Text alerts are normally delivered between 8am and 10am. Once registered, you will also receive a welcome message. Welcome messages will normally be delivered the same day, within the sociable hours of 8am and 8pm.

You can receive texts alerts abroad, but please check with your service provider for any charges you may incur.

Your mini statement alerts, will show you abbreviated transaction codes. View the mini statement transaction codes for a full description. 

1. To subscribe to Text Alerts you must hold a Rafidain Bank current account. If you have more than one Rafidain Bank current account then you must separately subscribe to receive these notifications for each such current account.

2. To subscribe to Text Alerts you must provide a valid mobile telephone number. For security purposes we are only able to send Text Alerts to the mobile telephone number registered against your account(s), and we are only able to register one mobile telephone number for each account holder. We shall have no liability if you are unable to receive Text Alerts because you have not provided us with a valid mobile telephone number.

3. Text Alerts will be sent by SMS only. Rafidain Bank will not charge you for Text Alerts, however you will be responsible for all charges made by the network provider for your mobile and you should be aware of all network charges which may include higher charges should you receive a Text Alert whilst you are abroad. Rafidain Bank has no control over any charges made by the network provider for your mobile telephone.

4. Depending on the service(s) you have subscribed for the following alerts will be sent:-
a) a mini-statement (the balance and the last five transactions on your account) at the intervals you specified; and/or
b) a low balance alert where your account has reached or dropped below the low balance limit you set; and/or
c) a high balance alert where your account has reached or has exceeded the high balance limit you set; and
d) any other important information which we believe you should know.

5. Each Text Alert will contain information which is accurate only on the date and time set out in the alert. However, the balance shown in any Text Alert may not include all transactions on your account.

6. You will receive low balance alerts for no more than two consecutive days, and a high balance alert once each time your balance increases to reach or exceed the high balance limit value you set.

7. We shall have no liability if you are unable to receive Text Alerts because of the failure of any machine, data processing system or transmission link or anything else beyond our or our agent’s reasonable control. We will also have no liability where others are able to read your Text Alerts.

8. If you are a joint Rafidain Bank current account holder, only the account holder who has subscribed to receive Text Alerts for that account will receive Text Alerts.

9. If both joint Rafidain Bank current account holders subscribe to receive Text Alerts, both account holders will receive Text Alerts to the mobile telephone number registered by each account holder.

10. If an account holder is removed from a joint Rafidain Bank current account the removed individual will no longer receive Text Alerts

11. You can check and amend your mobile number or your Text Alerts contact preferences using the Internet Bank, by visiting your local branch or by calling us on +44 783 974 9373.

12. You must tell us straight away if your mobile is lost or stolen or if you change your mobile number. Please be aware that it may take up to 24 hours for updates to take effect and therefore you may still receive Text Alerts during this period.

13. We may make changes to these terms and conditions. If the change is to your disadvantage we will tell you either by text message, e-mail, secure message, letter or by notice within the Internet Bank at least 30 days before we make the change. We may make any other change immediately and tell you about it either by text message, e-mail, putting a notice in our branches, secure message, notice within the Internet Bank or an advertisement in the press.