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Our overseas expansion: more banking in more places – like Iraq
 
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Byblos Bank in Iraq

 

Byblos Bank S.A.L. – Iraq Branches
Byblos Bank S.A.L. became the first Lebanese bank to open a branch in Erbil, the capital of Iraqi Kurdistan, on 16 May 2007, extending world-class services to both local and international companies and individuals.

On February 1, 2010, Byblos Bank opened a main branch in Baghdad in order to serve clients in the national capital.

On March 12, 2012 Byblos Bank opened the 3rd branch in Iraq - Basra to extend its high-quality products and services to the new Iraqi clients in one of the countries’ most important cities.

On December 9, 2015 Byblos Bank opened its 4th branch in Iraq, and second branch in Kurdistan Region  in the city of Sulaymaniyah.

Byblos Bank's activities in Iraq cover Corporate, Consumer and Correspondent Banking services, including transfers and trade finance (letters of credit, letters of guarantee and documentary collections). Furthermore, Byblos Bank operates a referral business from other international banks.

As with all Byblos Bank branches in Lebanon and worldwide, the Iraq branches' operations are centralized at the Group's Head Office in Beirut and therefore benefit from the experience, expertise and state-of-the-art practices that our customers have come to expect.

PRODUCTS

الرجاء الضغط هنا للاطلاع على المنتجات المصرفية باللغة العربية

ACCOUNTS

Current/Checking
(for individuals and companies)
 
Documents Required
Individual Iraqi citizens: copy of ID + salary attestation
* All clients are subject to compliance clearance measures prior to opening an account

Individual non-Iraqi citizens: copy of passport + residency card + salary attestation
* All clients are subject to compliance clearance measures prior to opening an account

Companies: copy of ID (Iraqi citizens) OR passport and residency card (non-Iraqi citizens) for authorized manager(s) + legal documents of the company
* All clients are subject to compliance clearance measures prior to opening an account
* Legal documents should be newly certified from commercial register
* All shareholders with stakes of 10% or more must provide “Know Your Customer” information

Term Deposit
(for individuals and companies)

Documents Required
Individual Iraqi citizens: copy of ID + salary attestation
Individual non-Iraqi citizens: copy of passport + residency card + salary attestation
Companies: copy of ID (Iraqi citizens) OR passport and residency card (non-Iraqi citizens) for authorized manager(s) + legal documents of the company
* All clients are subject to compliance clearance measures prior to opening an account
* Minimum initial deposit: USD 20,000
* Credit interest rate ranges between 1.5% and 4% on USD, depending on loan amount and loan period
* Credit interest rate ranges between 0.5% and 4.5% on IQD, depending on loan amount and loan period
* For companies: legal documents should be newly certified from commercial register
* For companies: all shareholders with stakes of 10% or more must provide “Know Your Customer” information

Salary Domiciliation
(for individuals and companies, both private and public sectors)

Documents Required
Individual Iraqi citizens: copy of ID
Individual non-Iraqi citizens: copy of passport + residency card
Copy of ID (Iraqi citizens) OR passport and residency card (non-Iraqi citizens) for authorized manager(s) + legal documents of the company
* All clients are subject to compliance clearance measures prior to opening an account
* For companies: legal documents should be newly certified from commercial register
* For companies: all shareholders with stakes of 10% or more must provide “Know Your Customer” information
* Companies and individual clients holding salary domiciliation accounts have access to all Byblos Bank banking products and services at discounted rates

CARDS
Debit Card
(for individuals)

Documents Required
Copy of ID (Iraqi citizens) OR passport (non-Iraqi citizens)
* Client should have a private (not joint) account at Byblos Bank
* Types of cards: Mastercard Titanium Debit and Mastercard Platinum Debit

Credit Card
(for individuals)

Documents Required
Copy of ID (Iraqi citizens) OR passport (non-Iraqi citizens) + salary attestation
* Client should have a private (not joint) account at Byblos Bank
* Types of cards: Mastercard Titanium Credit, Mastercard Platinum Credit, Visa Infinite Credit
* Cash guarantee required

Prepaid Internet Card
(for individuals)

Documents Required
Copy of ID (Iraqi citizens) OR passport (non-Iraqi citizens)
* Client should have a private (not joint) account at Byblos Bank

RETAIL LOANS

Personal Loan

Documents Required 
Click here to download the checklist

* Life insurance fees and stamp fees are applied
* Expert fees are applied for mortgages
* Personal guarantee and/or mortgage required, depending on the loan amount

Doctors Loan

Documents Required 
Click here to download the checklist

* Life insurance fees and stamp fees are applied
* Expert fees are applied for mortgages
* Personal guarantee and/or mortgage are required, depending on the loan amount

Cash Collateral

Documents Required 
Click here to download the checklist

* Stamp fees are applied

ONLINE BANKING

Corporate Internet Banking
(for companies)

Documents Required
Copy of ID (Iraqi citizens) OR passport (non-Iraqi citizens) for authorized users
Legal documents of the company
* Legal documents should be newly certified from commercial register
* Online banking services currently available only for corporate clients
* Client should have an account at Byblos Bank

Note: The Bank reserves the right to accept or reject any application. Interest rates, fees, commissions, and benefits are subject to change


Contact Persons and Addresses
Iraq Management

Mr. Jean Bassil

Country Manager

Mr. Jad Ghattas
Head of Corporate Banking – Erbil & Sulaymaniyah

Mr. Pascal Gerios
Head of Corporate Banking – Baghdad & Basra

Mr. Cesar Chaaya
Head of Retail Banking

Byblos Bank Erbil Head Office
Address Street 60 – Near Sports Stadium 
Erbil, Kurdistan Region, Iraq
PO Box 34-0383 Erbil, Iraq
Phone +964 750 7377464
+964 750 7377454




Erbil Branch


Mrs. Lara Azamat

Acting Branch Manager

Mr. Joseph Atallah
Assistant Branch Manager

Address Street 60 – Near Sports Stadium
Erbil, Kurdistan Region, Iraq
PO Box 34-0383 Erbil, Iraq
Phone +964 751 0102076
+964 66 2560017.19
SWIFT BYBAIQBA
Call Center +964 751 1205050
E-mail erbilbranch<at>byblosbank.com


Office hours are 8:00 to 17:00 from Sunday to Wednesday and 8:00 to 15:00 on Thursday. The Branch is closed on Friday and Saturday.


Baghdad Branch

Mr. Hassan Sabbagh
Branch Manager

Mr. Johnny Saab
Assistant Branch Manager

Address Al Karrada, Salman Faeq Street
Al Wahda District, No. 904/14 – Facing Al Shuruk Bldg.
PO Box 3085 Baghdad, Badalat Al Olwiya
Phone +964 780 9133031.2
+964 782 7835508.9
SWIFT BYBAIQBABAG
Call Center +964 751 1205050
E-mail baghdadbranch<at>byblosbank.com

Office hours are 8:00 to 15:00 from Sunday to Thursday. The branch is closed on Friday and Saturday.


Basra Branch

Mr. Ali El Husseini
Branch Manager

Mr. Georges Merhej
Assistant Branch Manager

Address July 14th Street, Manawi  Basha Region, Next to Qaser Al Sultan Hotel,
Al Basra – Iraq
Phone +964 770 493 19 00.19 
+964 780 917 70 88.9
SWIFT BYBAIQBABAS
Call Center +964 751 1205050
E-mail basrabranch<at>byblosbank.com


Office hours are 8:00 to 15:00 from Sunday to Thursday. The Branch is closed on Friday and Saturday.


Sulaymaniyah Branch

Mr. Michel El Amm
Branch Manager

Mr. Cesar Nader
Assistant Branch Manager

Address Salem Street – Kurdistan Mall, near Ramada Hotel
Sulaymaniyah – Kurdistan Region - Iraq 
Phone +964 773 041 1010
+964 773 042 1010
+964 773 043 1010
+964 773 044 1010
SWIFT BYBAIQBASUL
Call Center +964 751 1205050
E-mail sulaymaniyahbranch<at>byblosbank.com

Office hours are 8:00 to 17:00 from Sunday to Wednesday and 8:00 to 15:00 on Thursday. The branch is closed on Friday and Saturday.
Online Statement
Byblos Bank S.A.L Byblos Bank Tower - Elias Sarkis Ave. - Achrafieh - Beirut
Telephone: +961 1 335200 - Fax: +961 1 339436 "Banks list No.39-CRB:14150", BDL Authorization NO. 11/231 DATED 14/05/2005
Swift number: BYBALBBX
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