Best Way to Send Money to Iraq from USA (USD to IQD)

Sending money from USA to Iraq: what today's data shows

RemitFinder compares 3 providers and 14 ways to send money from USA to Iraq. The mid-market rate is IQD 1,507.9083 per USD. 1 provider has no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Iraq from USA?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 3 providers offering 14 ways to send US Dollar (USD) to Iraqi Dinar (IQD).

💰 Most IQD received today, by amount sent:

The same three providers lead at every amount shown.

At USD 1,000, the top three providers are MoneyGram, Western Union and Ria Money Transfer, giving IQD 1,361,082.63, IQD 1,358,120.00 and IQD 1,256,611.37 respectively. IQD 104,471.26 separates MoneyGram in first place from Ria Money Transfer in third.

🔀 Ways to receive, with the most received at USD 1,000:

Cash Pickup is the most widely offered way to receive, with 2 providers, followed by Bank Account (1). At USD 1,000, receiving as Cash Pickup gets your recipient the most: up to IQD 1,361,082.63.

💱 How to get the best USD to IQD exchange rate?

The mid-market US Dollar to Iraqi Dinar rate today is IQD 1,507.9083 per USD. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, USD 1,000 is IQD 1,507,908.30, and each 1% of markup costs about IQD 15,079.08.

• 📊 Rates run from IQD 1,262.926 to IQD 1,383.20 per USD across all amounts. The top three rates are from MoneyGram (IQD 1,383.20 for transfers up to USD 1,000), Western Union (IQD 1,358.12) and Ria Money Transfer (IQD 1,262.926 for transfers of USD 100 to USD 5,000).
• 📏 Typical markup: 9.93%. The median provider's best rate is 9.93% below the mid-market rate.
• 💳 How you pay rarely changes the rate. At USD 1,000, 3 of the 3 providers that offer more than one way to pay give the same rate whichever you choose. Payment methods differ mostly in their fees.

How your recipient gets the money changes the rate. The median provider's best rate is 9.10% below the mid-market rate for money received as Cash Pickup and 16.25% below it in a Bank Account.

💸 What is the cheapest way to send money to Iraq from USA?

At USD 1,000, the three cheapest providers today are MoneyGram (paying by Debit Card, received as Cash Pickup), Western Union (paying by Debit Card, received as Cash Pickup) and Ria Money Transfer (paying from a Bank Account, received in a Bank Account). With these providers, your recipient gets IQD 1,361,082.63, IQD 1,358,120.00 and IQD 1,256,611.37 respectively.

💸 Total cost (fee + exchange-rate markup) by amount:

The typical total cost is 13.60% at USD 200, 12.93% at USD 1,000 and 12.93% at USD 5,000.

Total cost is the fee plus the exchange-rate markup, as a share of the amount sent.

💳 Cheapest way to pay, at USD 1,000:

Paying in Cash has the lowest typical total cost at USD 1,000 (9.87%), and paying from a Bank Account the highest (16.75%). On USD 1,000, that difference is worth about IQD 103,702 more to your recipient.

🏦 Cheapest way to receive, at USD 1,000:

Receiving as Cash Pickup has the lowest typical total cost at USD 1,000 (9.93%), and receiving in a Bank Account the highest (17.75%). On USD 1,000, that difference is worth about IQD 117,813 more to your recipient.

🔗 Cheapest pay and receive combinations, at USD 1,000:

The cheapest combination is paying in Cash, received as Cash Pickup, with a typical total cost of 9.87%. The most expensive is paying by Credit Card, received in a Bank Account, at 19.75%.

On USD 1,000, your recipient typically gets IQD 1,361,082.63 with the cheapest combination and IQD 1,218,723.59 with the most expensive: IQD 142,359.04 more with the cheapest combination.

Choosing well is worth IQD 142,359.04 more on USD 1,000. The most your recipient can get today is IQD 1,361,082.63, and the least is IQD 1,218,723.59.

• 🧮 Fixed fees weigh most on small transfers. A typical fixed fee of USD 5 is 2.50% of USD 200 but only 0.10% of USD 5,000.
• 🆓 1 provider charges no fee on some ways to send or some amounts: Western Union.

🏦 How to send money from USA to Iraq through a bank?

2 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 1 provider.

Bank Transfer or Card? At USD 1,000, the typical total cost is 9.93% paying by Debit Card, 9.93% paying by ACH, 12.93% paying by Credit Card and 16.75% paying from a Bank Account.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days.
• 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Iraq.

⚡ How to send money from USA to Iraq fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup).

By the times providers publish, money can arrive instantly as Cash Pickup. Where no time is published, money typically arrives in a Bank Account in 2–4 days.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Iraq from USA?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

• 🥇 MoneyGram, Western Union and Ria Money Transfer give your recipient the most on USD 1,000 today.
• 💱 MoneyGram, Western Union and Ria Money Transfer offer the highest exchange rates, from IQD 1,262.926 to IQD 1,383.20 per USD.
• 🔀 Ria Money Transfer offers the most ways to send (6), followed by Western Union (5) and MoneyGram (3).
• 💵 MoneyGram and Western Union offer Cash Pickup in Iraq.
• 🆓 1 provider has no-fee options.
• ⚡ MoneyGram publishes the fastest delivery: instant.
• 🎁 1 provider has RemitFinder deals for this corridor.

📋 All 3 providers, by what your recipient gets for USD 1,000:

At USD 1,000, all 3 providers accept the transfer. Among them, your recipient gets between IQD 1,256,611.37 and IQD 1,361,082.63, and half of the providers give at least IQD 1,358,120.00.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

MoneyGram USD to IQD exchange rate today

• 💱 MoneyGram's US Dollar to Iraqi Dinar exchange rate runs from IQD 1,370.8843 to IQD 1,383.20 per USD. Its best rate applies to transfers up to USD 1,000 and is 8.27% below the mid-market rate.
• 💸 MoneyGram charges 3.5% + USD 4.99 (3% + USD 4.99 from USD 700, 2.5% + USD 4.99 from USD 1,500) when you pay by Credit Card and 0.75% + USD 4.74 (1% + USD 3.99 from USD 300, 1% + USD 5.99 from USD 700.01) when you pay by Debit Card or in Cash.
• 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or in Cash, and your recipient gets the money as Cash Pickup.
• ⏱️ With MoneyGram, money arrives as Cash Pickup instantly.
• 📏 MoneyGram accepts up to USD 5,270 per transfer.
• 💰 On USD 1,000, your recipient gets IQD 1,361,082.63 with MoneyGram (paying by Debit Card, received as Cash Pickup).

Ria Money Transfer USD to IQD exchange rate today

• 💱 Ria Money Transfer's US Dollar to Iraqi Dinar exchange rate is IQD 1,262.926 per USD, 16.25% below the mid-market rate.
• 💸 Ria Money Transfer's fee depends on how you pay and how much you send.
• 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by PayNearMe, and your recipient gets the money in a Bank Account.
• ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days.
• 📏 Ria Money Transfer accepts USD 100 to USD 5,000 per transfer.
• 💰 On USD 1,000, your recipient gets IQD 1,256,611.37 with Ria Money Transfer (paying from a Bank Account, received in a Bank Account).

Western Union USD to IQD exchange rate today

• 💱 Western Union's US Dollar to Iraqi Dinar exchange rate is IQD 1,358.12 per USD, 9.93% below the mid-market rate.
• 💸 Western Union charges 3% when you pay by Credit Card or with Google Pay and no fee when you pay by Debit Card, with Apple Pay or by ACH.
• 🏦 With Western Union, you pay by Credit Card, by Debit Card, with Google Pay, with Apple Pay or by ACH, and your recipient gets the money as Cash Pickup.
• ⏱️ With Western Union, money arrives as Cash Pickup typically within 2 hours.
• 💰 On USD 1,000, your recipient gets IQD 1,358,120.00 with Western Union (paying by Debit Card, received as Cash Pickup).
• 🎁 RemitFinder exclusives for Western Union: Refer a friend to earn USD 20; Get first transfer free in US.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from USA to Iraq

1. Compare providers. RemitFinder lists 3 providers and 14 ways to send; the cards above rank them for your amount.
2. Choose how to pay. At USD 1,000, paying in Cash has the lowest typical total cost (9.87%).
3. Choose how your recipient gets the money. Cash Pickup (2 providers) or Bank Account (1 provider), including Bank Of Baghdad.
4. Check the limits. Published maximums start at USD 5,000 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
5. Sign up and verify your identity. Providers need ID before your first transfer.
6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Iraq.
7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Iraq from USA

These FAQs use data from RemitFinder's live comparison of 3 providers for USA to Iraq money transfers.

• How do I send money from USA to Iraq?

  Compare 3 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

• What is the best way to send money to Iraq from USA?

  At USD 1,000, MoneyGram, Western Union and Ria Money Transfer give your recipient the most today: IQD 1,361,082.63, IQD 1,358,120.00 and IQD 1,256,611.37 respectively. The best way changes with the amount, so compare at yours.

• What is the cheapest way to send money to Iraq?

  At USD 1,000, the cheapest providers today are MoneyGram, Western Union and Ria Money Transfer. The cheapest combination is paying in Cash, received as Cash Pickup, with a typical total cost of 9.87%. 1 provider charges no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.

• How much can I save by comparing providers to send money to Iraq?

  At USD 1,000, your recipient gets between IQD 1,218,723.59 and IQD 1,361,082.63, depending on the provider and how you send. Comparing can get them IQD 142,359.04 more on one transfer. MoneyGram gives the most today, paying by Debit Card, received as Cash Pickup.

• What is the USD to IQD exchange rate today?

  The mid-market rate is IQD 1,507.9083 per USD. Providers' rates run from IQD 1,262.926 to IQD 1,383.20.

• Exchange rate or fee: what matters more when you send money to Iraq?

  At USD 200, the typical fee is 3.12% of the amount, and the typical exchange rate has a markup of 9.93%. At USD 5,000, the typical fee is 1.20% of the amount, and the typical exchange rate has a markup of 9.93%. So the exchange rate matters more at every amount shown. Compare both: the cards above rank every way to send with both included.

• Does sending more money to Iraq lower the cost?

  Not always. The typical total cost is 13.60% at USD 200, 12.93% at USD 1,000 and 12.93% at USD 5,000.

• Which payment method is cheapest for sending money from USA to Iraq?

  Paying in Cash has the lowest typical total cost at USD 1,000 (9.87%), and paying from a Bank Account the highest (16.75%). On USD 1,000, that difference is worth about IQD 103,702 more to your recipient. The provider giving your recipient the most when paying in Cash is MoneyGram.

• Is Debit Card cheaper than Credit Card for sending money to Iraq?

  Yes. At USD 1,000, paying by Debit Card has a typical total cost of 9.93%, compared with 12.93% paying by Credit Card. On USD 1,000, that difference is worth about IQD 45,237 more to your recipient. Your card issuer may also charge a cash advance fee when you pay by Credit Card.

• Which delivery method is cheapest for sending money to Iraq from USA?

  Receiving as Cash Pickup has the lowest typical total cost at USD 1,000 (9.93%), and receiving in a Bank Account the highest (17.75%). On USD 1,000, that difference is worth about IQD 117,813 more to your recipient. The providers giving your recipient the most when receiving as Cash Pickup are MoneyGram and Western Union.

• Is Bank Account cheaper than Cash Pickup for sending money to Iraq?

  No. At USD 1,000, receiving in a Bank Account has a typical total cost of 17.75%, compared with 9.93% receiving as Cash Pickup. On USD 1,000, that difference is worth about IQD 117,813 more to your recipient. Money typically arrives in a Bank Account in 2–4 days, and Cash Pickup is typically ready within 2 hours.

• How can I send cash to Iraq from USA?

  MoneyGram and Western Union offer Cash Pickup in Iraq. By published times, Cash Pickup can be ready instantly with MoneyGram.

• What is the fastest way to send money to Iraq?

  By their published times, MoneyGram delivers fastest, instantly.

• Can I send money from USA to Iraq instantly?

  Yes. MoneyGram publishes delivery within an hour on some ways to send. On USD 1,000, the most your recipient gets that fast is IQD 1,361,082.63, with MoneyGram (paying by Debit Card, received as Cash Pickup).

• How much money can I send to Iraq from USA?

  Each provider sets its own limits. The lowest published maximum is USD 5,000, and 1 of 3 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Iraq without fees?

  Yes, with Western Union on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

• Which providers send money from USA to Iraq?

  RemitFinder compares 3 providers: MoneyGram, Ria Money Transfer and Western Union.

• Which app is best to send money to Iraq?

  It depends on your amount and how you pay. RemitFinder compares 3 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Iraq?

  Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send. At USD 1,000, none of the 3 providers that offer more than one way to pay change the rate with it.