Is cash still widely used?
Yes, entirely. Iraq’s economy is predominantly cash-based. USD is widely used alongside dinar for larger transactions, particularly in the Kurdistan Region, which has better infrastructure than the rest of the country.
ATMs and withdrawing cash
ATMs exist in Baghdad, Erbil, and Sulaymaniyah but are unreliable for foreign cards. The Kurdistan Region has better ATM infrastructure.
- Do not rely on ATMs — bring USD cash as your primary resource
- Exchange USD to dinar at licensed money changers
- The Kurdistan Region (Erbil, Sulaymaniyah) is safer and has better financial access
Card acceptance
Very limited. Some international hotels in Baghdad and Erbil accept cards. Everywhere else requires cash.
Tips for travelers
- Check current travel advisories carefully before visiting — security varies significantly by region
- The Kurdistan Region is considerably safer and more tourist-friendly than southern Iraq
- USD is widely accepted and practical throughout the country
- Keep cash in multiple secure locations