My Money Is on the Card, but My Access to It While Travelling Is Severely Limited!
قبل بضعة أشهر أبلغتني خدمة العملاء أن حد استخدام البطاقة خارج العراق هو 500 ألف دينار يوميًا و7 ملايين شهريًا. واليوم، وأنا مسافرة خارج العراق ومعتمدة على البطاقة لتغطية مصاريف سفري، فوجئت بأن الحد أصبح 200 ألف يوميًا و500 ألف فقط شهريًا. كنت أتوقع زيادة الحدود بما يتناسب مع ارتفاع تكاليف السفر والأسعار عالميًا، لا تخفيضها إلى مستوى يجعل البطاقة غير عملية للمسافر. بالنسبة لي كعميلة، هذا التخفيض أضرّ بي فعليًا: أموالي موجودة في البطاقة، لكن قدرتي على استخدامها عند حاجتي إليها أصبحت محدودة جدًا.
A few months ago, customer service informed me that the international card limit was IQD 500,000 per day and IQD 7 million per month. Today, while travelling abroad and relying on this card to cover my travel expenses, I was surprised to learn that the limit is now only IQD 200,000 per day and IQD 500,000 per month. I expected the limits to increase in line with rising travel costs and global prices—not to be reduced to a level that makes the card impractical for travellers. As a customer, this reduction has directly affected me: my funds are on the card, yet my ability to use them when I need them is now extremely limited.
A few months ago, customer service informed me that the international card limit was IQD 500,000 per day and IQD 7 million per month. Today, while travelling abroad and relying on this card to cover my travel expenses, I was surprised to learn that the limit is now only IQD 200,000 per day and IQD 500,000 per month. I expected the limits to increase in line with rising travel costs and global prices—not to be reduced to a level that makes the card impractical for travellers. As a customer, this reduction has directly affected me: my funds are on the card, yet my ability to use them when I need them is now extremely limited.
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Unusual operation
Although this bank operates within the Kurdistan Region of Iraq, it lacks official branches. Instead, it relies on local shops to facilitate customer withdrawals and deposits. This raises severe security and transparency concerns. For instance, shop owners have direct visibility of customers' card numbers and CVV codes. Furthermore, some agents provide false information regarding transaction fees, claiming a 2,000 IQD fee for themselves and another 2,000 IQD for the bank on a 300,000 IQD withdrawal. Additionally, deposits made in the Kurdistan Region are not registered under the account holder's name as they would be at an official institution; instead, they are processed under the name of the shop owner transferring the funds. Operating a banking service in this manner without official infrastructure is unacceptable.
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كلار
خدمات كي
سيء
لا يعمل يطلب رمز ال otp ومن نجيبه ونخلي يطلع فشل
تطبيق زبالة
حرفياً فاشل ومايساعد والخدمات حيل فاشلة
