How to send money to Tunisia in 2026: dollars and euros to a foreign account or dinars for family
Tunisia credits a transfer from abroad in 1-3 business days differently for two kinds of recipient: for a non-resident, dollars and euros stay in a foreign account without exchange; for a resident, they become dinars at the bank's rate. The payment goes to a 24-character international account number. In 2026 the bank will ask for the purpose, and from $10,000 for a statement or an income certificate.
In short
- The central bank's average rate on 7 October 2026 was 3.0073 dinars per dollar.
- A non-resident can open a foreign account in currency or in convertible dinars.
- An investment paid in foreign currency from abroad is transferred back under law 2016-71.
- The international account number has 24 characters, the domestic one 20 digits.
In detail
In 2026 money is sent to Tunisia to a foreign account in currency or in convertible dinars, and for a resident to a dinar account. The central bank's average rate on 7 October 2026 was 3.0073 dinars per dollar. An investment paid in foreign currency from abroad gives the right to transfer income and sale proceeds back.
| Recipient's account | Checked on 8 October 2026 | What arrives in the account | Details for the sender |
|---|---|---|---|
| A non-resident's foreign currency account | works | dollars or euros without exchange | a 24-character international account number |
| A non-resident's convertible dinar account | works | dinars with the right to transfer them back abroad | a 24-character international account number |
| A Tunisian resident's dinar account | works | dinars at the bank's rate | a 20-digit account number |
| Money transfer to family | works | dinars | the recipient's name and ID number |
Data for 2026. The Central Bank of Tunisia's average interbank rate for 7 October 2026 was 3.0073 dinars per dollar: in early October the dollar rose above 3 dinars.
A foreign account: currency or convertible dinars
The dinar is exchanged only inside the country, so for money from abroad Tunisian banks keep two kinds of non-resident accounts for any nationality. In a foreign currency account, money arrives and stays in dollars or euros. A convertible dinar account is kept in dinars, but the balance is freely exchanged back and transferred abroad.
Such accounts are topped up by a transfer from abroad, a transfer from another foreign account and interest; other credits go through with the central bank's consent. So money for a purchase or for living in the country first arrives in a foreign account, and exactly the sum needed for expenses is exchanged into dinars. More about the capital is on the Tunis page.
An investment in foreign currency and the transfer back under the 2016 law
Investment law 2016-71, article 9, allows an investor to transfer capital abroad in foreign currency under the currency rules. Central bank circular 2018-14 sets out the procedure: a non-resident's investment is paid by transfer from abroad or from their own foreign account in Tunisia, and income and proceeds from a sale or liquidation are later transferred back. This is how a stake in a company, fund units and a property purchase work.
The bank records such an investment with a declaration through the central bank's electronic system, and this record is the basis for the future transfer back. Planning to invest money in Tunisia? A manager will plan the path of the money there and back.
The international account number: 24 characters and the bank's 20 digits
Inside the country an account has 20 digits: 2 digits of the bank code, 3 digits of the branch, 13 digits of the number and 2 check digits. The international number is built from the same 20 digits by adding the country code and the digits 59 in front, 24 characters in all. The sender is given this number, the recipient's full name as in their passport and the bank's code for international transfers.
6.9 billion dinars in nine months from people working abroad
According to central bank figures, in January-September 2026 income from work abroad brought Tunisia $2.3 billion (6.9 billion dinars), 5% more than a year earlier. Such money arrives in families' dinar accounts.
Tax: a main home or 183 days a year
The income tax code, article 2, treats as a resident anyone whose main home is in Tunisia or who has spent 183 days or more in the country in a calendar year. A resident pays tax on all income, including income from abroad, taking double taxation agreements into account. A non-resident pays tax only on income from Tunisia, for example from renting out a flat.
A house by the sea in Sidi Bou Said: the governor's permit
A foreigner buys a flat or a house in Tunisia with the permission of the governor of the region where the property is. The procedure is set by a decree of 4 June 1957; without the permit the deal is not registered, so it is obtained as the first step.
A non-resident pays for the purchase in foreign currency from abroad or from their own foreign account, and under circular 2018-14 the sale proceeds are later transferred back. At the rate of 7 October 2026 a $150,000 house comes to 451,095 dinars.
Which documents a bank in Tunisia will ask for
Banks work under organic law 2015-26 on combating money laundering, as amended in 2019; the central bank supervises them, and reports on suspicious transactions go to the financial analysis commission at the central bank. In 2026 the amount of paperwork depends on the sum:
| Transfer amount | What the bank in Tunisia wants to know | Document |
|---|---|---|
| Up to $10,000 | the purpose of the transfer | the payment purpose: family support, rent, studies |
| $10,000 - $100,000 | where the sum came from | a bank statement, an employment contract or an income certificate |
| From $100,000 | the whole path of the money and the deal | the sale contract for a previous home or business, a tax return, the governor's permit for the purchase |
A file for a large sum is best gathered before the transfer, so that crediting goes through without repeated requests. A manager will prepare the papers to the bank's requirements, and countries for moving with capital are compared on the capital relocation page.
We will help you send money to Tunisia
Money sent straight to a dinar account instead of a foreign account, an investment without a declaration at the bank, a contract signed before the governor's permit: because of such details the money is later hard to return abroad. We will look at your goal, suggest an account and a transfer route, prepare the documents for the bank in Tunisia and carry out the transfer through licensed partners through to crediting.
Details and terms are with a manager in the chat: everything depends on the sum, the currency and the purpose of the transfer to Tunisia.
From Tunisia to Malta, Italy and beyond
- Malta: EU banks an hour's flight away.
- Italy: Sicily opposite Cap Bon.
- France: the main country for those working abroad.
- Algeria: the neighbour to the west.
- Morocco: its own convertible dirham accounts.
- Egypt: the eastern neighbour in North Africa.
Choosing a country to move to with your money is covered on the capital relocation page.
FAQ
Will a bank in Tunisia open a dollar account for a non-resident?
What does a Tunisian account number for a transfer from abroad start with?
How many dinars do you get for a dollar in Tunisia in October 2026?
Does a Tunisian resident pay tax on income from abroad?
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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