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    ATM Fee Guide
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    ATM Fees in Iraq

    Iraqi Dinar (IQD) • Updated April 2026

    Iraq is heavily cash-based with very limited card acceptance. ATM reliability is improving in major cities (Baghdad/Erbil) but cash remains critical. USD is widely accepted. Bring sufficient US dollars in cash.

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    Tips for Iraq

    • • Bring USD cash - cards rarely work
    • • ATM reliability improving in Baghdad and Erbil - TBI often has working Visa/Mastercard ATMs
    • • USD widely accepted for larger transactions
    • • Exchange at licensed money changers
    • • Kurdistan region has better banking infrastructure
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    Airport tips

    • • Baghdad and Erbil airports have limited ATMs
    • • Bring USD cash
    • • Airport exchange rates are poor
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Iraq, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    70,000-145,000 IQD

    IQD/day

    🏨 Accommodation30,000-60,000 IQD
    🍜 Food & drinks15,000-30,000 IQD
    🚌 Transport10,000-25,000 IQD
    🎟️ Activities15,000-30,000 IQD

    ≈ $53.73-111 USD

    Mid-range

    Hotels, restaurants, mix of transport

    210,000-420,000 IQD

    IQD/day

    🏨 Accommodation100,000-200,000 IQD
    🍜 Food & drinks40,000-80,000 IQD
    🚌 Transport30,000-60,000 IQD
    🎟️ Activities40,000-80,000 IQD

    ≈ $161-322 USD

    Luxury

    Premium hotels, fine dining, private transport

    530,000-1,050,000 IQD

    IQD/day

    🏨 Accommodation250,000-500,000 IQD
    🍜 Food & drinks100,000-200,000 IQD
    🚌 Transport80,000-150,000 IQD
    🎟️ Activities100,000-200,000 IQD

    ≈ $407-806 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Iraq.

    Credit card acceptance

    Very Low

    Cash-based economy. Card acceptance extremely limited. USD widely accepted.

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    You'll need cash for

    • • Almost everything
    • • Hotels
    • • Restaurants
    • • Transport
    • • Shopping
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    Cards usually accepted

    • • Some international hotels
    • • Select restaurants in Kurdistan

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    TBI (Trade Bank of Iraq)Varies~3.00 USD50
    RT Bank (Kurdistan)Varies~3.00 USD30

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    TBI (Trade Bank of Iraq)Varies~3.00 USD50
    RT Bank (Kurdistan)Varies~3.00 USD30

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