FIB review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
For Iraqis wanting app based everyday banking, FIB is a digital bank that serves hundreds of thousands of users with lifestyle linked cards. FIB keeps cards, QR payments, transfers and Dream savings spaces inside one mobile app shaped for daily life in Iraq.
Key facts
- Best for
- Supports app based banking with lifestyle linked cards in Iraq
- Official website
- fib.iq
Apps and profiles
- Elsewhere
- LinkedInXfacebook.com
Pros and cons
Pros
- Cards are selected inside the app and shaped around everyday lifestyle needs
- Accounts open through an all digital process without visiting a branch
- QR payments through the mobile app cover in store and online transactions
- Dream Account creates separate savings spaces within the main account
Cons
- Service centres on Iraq, which limits relevance for use abroad
- Everyday banking depends on the mobile app without branch access
Who it suits
- Iraq residents wanting app banking without branch visits
- Students seeking a globally recognised student card
- People preferring QR payments and in app transfers
Who should look elsewhere
- People wanting in person branch service
- Residents based outside Iraq
Safety and regulation
FIB places safety at the core of online banking and invites you to control your own protection. It supports multi factor authentication alongside user controlled security settings with attention from recognised institutions. It has passed a cyber risks audit and holds ISO certifications for 2018, 2019 and 2022 for quality, security and reliability. It is recognised by the Central Bank of Iraq and by the federal government of Iraq and the regional government of Kurdistan.
How FIB compares
Frequently asked questions
What cards does FIB offer?+
FIB offers cards designed around everyday lifestyle needs and you choose an option inside the mobile app. The range includes a globally recognised card intended for students. Cards support easier payments for daily life in store and online.
Where does FIB operate?+
FIB operates in Iraq and serves hundreds of thousands of Iraqis through its mobile app. Its work reflects recognition by national and regional authorities in Iraq. The service suits people managing daily finances inside the country.
Who is FIB suited for?+
FIB suits people who want banking without branch visits managed entirely through a phone. You open an account through an all digital process and handle cards, QR payments and transfers in the app. Students and lifestyle focused users find the structure practical.
How does the FIB savings feature work?+
FIB provides a Dream Account that creates a virtual savings space within the main account. You can add funds or reduce the balance at any time with flexibility. The feature simplifies saving alongside everyday spending and transfers.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Card type, Protection.