Once your account has been opened, we can then start arranging for the delivery of all the items you need to operate it. Within the first 3-5 working days you will receive all your online and telephone banking details (if you have registered) as well as your card reader to log onto the Internet Bank. Following this you will receive your card, PIN number and chequebook (if you ordered one) within 5-7 working days. If you were eligible for an arranged overdraft and decided to accept it you will also receive your arranged overdraft agreement in this time.

To find out your upgrade options and how to apply for an upgrade, take a look at our Account upgrades section. Upgrading is really easy, especially if you’re registered for Internet Banking.

EAR stands for ‘Equivalent Annual Rate' which allows you to compare the rates offered by different providers. It's the cost of an overdraft stated as a yearly rate, taking into account the compounding rate of interest. At Rafidain Bank, we work out interest each day on any overdrawn amount and take it from your account monthly, giving you 28 days' notice of the amount we intend to take. Any interest charged is added to the balance outstanding.

From cash machines (ATMs):

As long as you have enough in your account, you can withdraw up to £500 in any one day with a FlexAccount.

From over the counter in branch:

You can withdraw up to £500 a day at your local branch, as long as you have the funds available in your account including within an arranged overdraft limit. If you need more than £500, please give your branch at least 2 full working days' notice. (Some requests may take up to three full working days – so we recommend checking with your branch beforehand.) For cash withdrawals over £500, you will need to present one piece of ID – either your passport or driving licence (with the paper counterpart copy).

From a Post Office:

You can withdraw up to £500 in cash at any Post Office branch using your card and PIN.

We offer a range of services to help you bank with us, see our ways to bank page for more information.

An arranged overdraft is a credit facility that is set up on your account to help you manage your short-term cash flow needs. To find out more about overdrafts on a Current Account, see the rates, fees and overdrafts page or if you fancy a short read, have a look at our Understanding Overdrafts guide.

Overdrafts are only available to those aged 18 or over and are subject to approval.

We've created a simple video guide, which walks you through the process of viewing, changing or removing your overdraft facility. Alternatively, if you're unable to watch the video right now, you can follow the steps listed below:

1. Log in to the Internet Bank
2. On the account overview page, click on the dropdown list of 'Common activities' to the right of the relevant current account
3. Select 'Manage overdraft' from the list that displays and then click 'Go'
4. Continue to follow the on screen instructions to change your limit or remove your overdraft.

Please note that the overdraft link will not be available if:

• There's no overdraft facility available on the account
• There are charges pending on your account, or
• When you opened the account, you chose not to have an overdraft facility.

Or, if you prefer, you can ring our call centre on +44 783 974 9373 or visit us in branch.

Of course! When you apply we’ll ask you at the very start if you want to open a sole or joint account. It’s as simple as that.

Want to turn your existing account into a joint account? Just complete the form - you can download the addition of an account holder form, pick it up from any branch or you can send us a secure message if you're registered for the Internet Bank and we’ll send a form to you.

Note: If the account holder to be added does not currently hold any Rafidain Bank accounts, please visit a Rafidain Bank branch with identification to have a profile set up.

If you have Card Protection, contact the company immediately and they will arrange to cancel all your cards. Otherwise, call us immediately on 08457 30 20 10, or speak to us at any Rafidain Bank branch.

When you ask us to make Direct Debits, standing orders and bill payments on a future date, we attempt to make these payments in the morning.

Retry of failed payments

If there are insufficient funds in your account to make the payment we will try to make the payment again on the same day at 2:30pm. This is to provide you with additional time to get cleared funds into your account. You can do this by paying cash into your account at a Rafidain Bank branch, making a Faster Payment or a quick transfer online from another Rafidain Bank account. To find out when a cheque you are paying into your account will clear, please use our cheque processing calculator.

If funds are not available when we attempt the retry, customers will still only receive 1 unpaid transaction fee.

We want all our customers to feel happy with the service they receive. If we’ve made a mistake, or let you down, please tell us so that we can put things right and do better next time around.

Our making a complaint page talks you through how to complain and when to expect a reply from us.

Our products and services are designed to be accessible to all our customers. For more information please visit our accessibility page.