💸 Money Transfer

A widely used international money transfer service known for transparent fees and real mid-market exchange rates. About Wise: Wise (formerly TransferWise) is a UK-founded international money transfer platform that lets users send money between countries and hold balances in multiple currencies, using the real exchange rate rather than a marked-up rate. Key Features: Real Exchange Rate: Uses the actual mid-market rate, with fees shown upfront and separately. Multi-Currency Account: Hold and convert between dozens of currencies in one account. Wise Card: A debit card that can be used for spending abroad, drawing from your Wise balance. Fast Transfers: Many transfers arrive within minutes to a couple of days, depending on the corridor. How to Get Started: Create a Wise account and verify your identity with your ID or passport. Add the recipient's bank details and the amount to send. Pay in from your bank account or card and confirm the transfer. Track the transfer's status until it arrives. Important Notice: Receiving a transfer into an Iraqi bank account can occasionally take longer than the app's estimate depending on the receiving bank — check estimated arrival times for your specific transfer corridor before relying on it for time-sensitive payments.

An international remittance app focused on fast, affordable transfers, particularly popular for sending money home from abroad. About Remitly: Remitly specializes in cross-border remittances — sending money from one country to family or others in another — with a mobile-first app experience and a choice between faster and cheaper delivery speeds for each transfer. Key Features: Speed vs. Cost Choice: Pick an "Express" faster option or an "Economy" cheaper option for each transfer. Multiple Payout Methods: Recipients can often receive funds via bank deposit, cash pickup, or mobile wallet, depending on the country. Rate Transparency: See the exchange rate and fee before confirming the transfer. First-Transfer Promotions: New users are often offered a discounted or fee-free first transfer. How to Get Started: Download the Remitly app and create an account, verifying your identity. Enter the recipient's details and choose a payout method available in Iraq. Select Express or Economy speed and review the total cost. Pay from your card or bank account and track the transfer to delivery. Important Notice: Available payout methods and exact delivery times into Iraq can vary — confirm what your recipient can actually access (bank account, cash pickup location, or mobile wallet) before sending, especially for time-sensitive transfers.

One of the world's oldest and most widely available money transfer networks, with both cash pickup and digital options. About Western Union: Western Union has operated international money transfers for well over a century and maintains one of the largest physical agent networks in the world, alongside its own app and website for digital transfers, with agent locations in Baghdad and other Iraqi cities. Key Features: Wide Agent Network: Cash pickup locations across Iraq, including areas without other transfer options. Multiple Send Methods: Transfer from the app, website, or in person at an agent location. Flexible Payout: Recipients can often choose cash pickup or bank deposit depending on availability. Established Trust: Long operating history and broad regulatory recognition across markets. How to Get Started: Use the Western Union app, website, or visit a physical agent location. Enter the recipient's details and choose how they'll receive the funds. Pay by card, bank transfer, or cash at an agent location. Share the tracking number (MTCN) with your recipient if they need it for pickup. Important Notice: Fees and exchange rates for Western Union can be higher than app-only competitors like Wise, especially for cash pickup transfers — worth comparing the total cost against alternatives if your recipient can also receive a mobile wallet or bank transfer.