How to send money to Iran in 2026: a bank transfer to an Iranian account in rials and the rules of the sending country
In 2026 Iran receives transfers to accounts by Sheba number, credited in rials. We explain which rial rate to use in October, what tomans and the denomination mean, which thresholds apply in the EU and the USA, and which documents to prepare for a large sum.
In short
- The Central Bank of Iran rate on 8 October 2026 is 1,778,728 rials per dollar.
- A Sheba account number has 26 characters including the bank code.
- From the EU up to 10,000 euros is sent without notification.
In detail
In 2026 money goes to Iran by bank transfer to an Iranian account by Sheba number. On 8 October 2026 the Central Bank of Iran set 1,778,728 rials per dollar. The amount thresholds and documents are set by the sending country: in the EU a transfer of up to 10,000 euros goes without notification.
| Method | Status in 2026 | Limit and condition | What you need |
|---|---|---|---|
| Transfer from the EU to an Iranian bank | works | up to 10,000 euros freely, above that a notification or an authorisation | the Sheba number, the purpose, documents |
| Personal transfer from the USA | under an individual licence since 24 August 2026 | a decision of the US Treasury | a licence |
| Transfer within Iran between accounts | works | in rials through the national payment systems | the recipient's Sheba number or card |
Checked on 8 October 2026. The Central Bank of Iran rate on 8 October 2026: 1,778,728 rials per US dollar and 1,990,046 per euro.
The rial rate and tomans: what sum to tell the recipient
In Iran prices are quoted in tomans: 1 toman equals 10 rials, so 1,778,728 rials is 177,873 tomans per dollar. The central bank rate is the official exchange system rate, while the market rate in Tehran is noticeably higher, and the recipient's bank converts the transfer at its own rate. Since 6 January 2026 the preferential rate of 285,000 rials per dollar has remained only for imports of medicines and wheat.
The rial is preparing for a denomination: the law came into force on 7 December 2025, and the new rial will equal 10,000 old ones. Preparation will take two years, after which both versions of the money will circulate for three years. In 2026 all accounts, rates and contracts are in old rials.
The Sheba account number and Iranian payment systems
Sheba is the Iranian international account number: two country letters, two check digits and 22 digits including the bank code, 26 characters in total. The central bank requires it for transfers from abroad, and it is also used inside the country. The cards of all banks are linked by the Shetab network, payment terminals by the Shaparak network, large interbank payments go through the Satna system and batch payments through Paya. All of them work in rials.
The recipient in Isfahan or Tehran sends the sender their Sheba number, full name as in the passport and the name of the bank. A mistake in a single digit of the number returns the transfer, so the number is checked against a bank statement, not from memory.
The rules of the sending country for transfers to Iran
In the EU, regulation 2025/1975 has applied since 30 September 2025. A transfer of up to 10,000 euros ($12,000) goes without formalities. A personal transfer through an Iranian bank of 10,000 to 40,000 euros ($45,000) requires prior written notification of the national authority, and a larger one requires an authorisation; for food, medicines and humanitarian purposes an authorisation is needed from 100,000 euros ($120,000). In the USA, since 24 August 2026, a personal transfer to Iran goes only under an individual Treasury licence.
So the route and the papers depend on where the sender lives: the bank of an EU country follows the regulation's thresholds, and a sender in another country follows the rules of their own bank and regulator. Where do you live? A manager will check whether your case falls under the permitted exceptions and prepare the notification.
A large transfer to Iran: which documents to prepare
Since 28 September 2025 the UN resolutions on Iran and the list of the 1737 committee apply again: 43 individuals and 78 entities. The bank checks the recipient and their bank against it, and in June 2026 the FATF confirmed its countermeasures for Iran. The larger the sum, the more papers:
| Amount | EU rule | What to show the bank |
|---|---|---|
| Up to $12,000 | no notification | the recipient, the Sheba number, the purpose: family, study, medical treatment |
| $12,000 - $45,000 | prior notification of the authority | a document on kinship or a contract, a statement of income |
| From $45,000 | authorisation of the authority | a contract, the source of the money, the recipient's documents |
For children's study, parents' medical treatment or a home purchase the package is put together before sending. A manager will look at your sum and the lawful route for it. Countries for moving with capital are on the capital relocation page.
We will help you send money to Iran
A transfer without notifying the authority in the EU, a mistake in the Sheba number, a recipient or a bank on the UN committee list: such mistakes cost more than a fee. We will help you avoid them: we will check whether your case falls under the permitted exceptions, prepare the notification and the documents on the source of the money, and choose a lawful route through to crediting.
Details and terms are with a manager in the chat: everything depends on the sum, the sending country and the purpose of the transfer to Iran.
Where else money is sent in the region
- Turkey: the north-western neighbour with the lira.
- The UAE: a financial centre across the Persian Gulf.
- Armenia: the northern neighbour with the dram.
- Azerbaijan: the northern neighbour with the manat.
- Iraq: the western neighbour with the dinar.
Choosing a country for life and capital is covered on the capital relocation page.
FAQ
What is the Central Bank of Iran's rial rate to the dollar in October 2026?
How many characters are in an Iranian Sheba account number?
What sum can be sent to Iran from the EU without notification?
Can a personal transfer to Iran be sent from the USA?
We will suggest the best way to send your money
We will choose a transfer method for your amount and country, prepare the documents on the origin of the money for the bank, make the transfer through licensed partners and follow it until the money is credited. Ask your question in the chat - the manager will suggest the best terms and the cost. The legal side with banks and government bodies is handled by Murblz specialists and locally licensed partners.
Details and cost are with the manager in the chat. Describe your situation and we will reply right away.
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