AfghanistanAFNAfghan Afghani
Hawala and SWIFT are two working routes for transfers to Afghanistan: Afghanistan International Bank (AIB) and Azizi Bank operate via SWIFT; for recipients without accounts, a network of hawala brokers is used. Russians transfer AFN to Afghanistan to families, compatriots, and partners through ATM24 - the country is not under Russian sanctions. IBAN does not apply in Afghanistan: SWIFT details + account number are used. After 2021, some banks restricted operations with Afghanistan - the route is coordinated by the manager for each case.
The route, the receiving bank and the payout amount are agreed before payment.
Hawala is a traditional Islamic system of informal money transfers and one of the main working channels in Afghanistan. The hawala broker network (hawaladar) operates in Kabul and other major cities: the sender gives money to a broker, and their partner in Afghanistan pays the recipient the equivalent in AFN. ATM24 also uses SWIFT bank routes where available: Afghanistan International Bank and Azizi Bank work with international transfers via SWIFT.
To transfer to an account, you typically need the bank's SWIFT/BIC, account number, and recipient's full name. The specific method of AFN delivery - bank transfer or agreed alternative channel - is determined before payment depending on the receiving bank and current route availability. International operations to Afghanistan undergo enhanced compliance due to sanctions and banking risks, so the route is verified individually each time. Russia and Afghanistan maintain direct economic relations; however, this does not mean the absence of restrictions from correspondent banks. ATM24 commission from 0.9%. Delivery timeframe and method are clarified when submitting the application.
AFN. Visa/Mastercard are available at some Afghan banks (Azizi Bank, Maiwand Bank), but international card transfers are extremely limited. Route depends on the issuing bank and current correspondent relationships. For most recipients, an agent network / hawala is recommended (see below). Details and availability - clarify with ATM24 manager
AFN or USD. Route: Azizi Bank/AIB via SWIFT, or hawala network where SWIFT is limited. IBAN does not apply in Afghanistan. Banks: Azizi Bank, Afghanistan International Bank (AIB). Details: SWIFT + account number + recipient name. Commission from 0.9% - details from ATM24 manager
AFN in cash through agreed locations. In Afghanistan, USD is also accepted alongside AFN. The delivery method is agreed only through a pre-confirmed channel before payment. Receipt in afghani (AFN) or USD by agreement. Commission from 0.9%. Pickup locations and currency - contact ATM24 manager
Afghanistan does not use IBAN. For bank transfer: SWIFT + account number. For recipients without a bank account - hawala or cash. ATM24 coordinates all routes with a manager individually.
We accept RUB, USD, EUR and USDT — we pay out in AFN
RUB AFN
0.6782per 1 RUB
10 000 ₽ = 6 782 AFNUSD AFN
60.8per 1 USD
100 $ = 6 080 AFNEUR AFN
68.91per 1 EUR
100 € = 6 891 AFNUSDT AFN
60.8per 1 USDT
100 USDT = 6 080 AFN| You send | Payout in AFN |
|---|---|
| 100 USDT | 6 080 AFN |
| 300 USDT | 18 240 AFN |
| 500 USDT | 30 400 AFN |
| 1 000 USDT | 60 800 AFN |
| 5 000 USDT | 304 000 AFN |
Where recipients usually get the money in Afghanistan
Da Afghanistan Bank — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Kabul Bank — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Afghan United Bank — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Type: Private (largest commercial bank); Accepts transfers from Russia: Route - clarify with ATM24 manager
Maiwand Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
Official currency is Afghan afghani (AFN); 1 AFN = 100 puls.
Card systems
The country's banking infrastructure is extremely limited. Visa and Mastercard are accepted at isolated locations in Kabul - at major hotels and embassies. Afghanistan International Bank (AIB) and Azizi Bank are the largest banks with international connections. Card payments are unavailable for most recipients.
Payment applications
M-Paisa (Roshan operator) and MyMoney (Afghan Wireless) are the main mobile money systems within the country. International digital applications (Wise, Revolut, etc.) are unavailable.
Interbank transfers
Da Afghanistan Bank (DAB) is the country's central bank. The IBAN format does not apply in Afghanistan: the country is not in the ISO 13616 registry, so for international bank transfers, SWIFT/BIC of the bank, account number, and recipient's full name are typically used.
Financial regulator
Since 2021, many international banks have restricted operations with Afghanistan, so SWIFT and alternative channel availability depends on the specific bank and current compliance.
Features for ATM24
Only pre-confirmed channels are used; the delivery method is agreed before payment.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
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Country not found
Afghanistan is a country with a unique financial system: no IBAN, hawala is as widespread as banks. Below are answers to common questions about afghani and transfers.
To arrange an AFN payout in Afghanistan, ATM24 first checks the receiving channel for the Afghanistan AFN payout route. The route is confirmed before payment, including Afghanistan International Bank, Maiwand Bank, card or account details, sender payment method, fee from 0.9%, and timing from 15 minutes. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
Yes, where available, the recipient can receive a transfer on a bank-issued card or bank account in Afghanistan in AFN on the Afghanistan AFN payout route. ATM24 checks the bank, card or account number, recipient name, and payout currency before payment; Visa, Mastercard, UnionPay, or local bank-card availability depends on the route. For example, Azizi Bank may require a different set of details than Da Afghanistan Bank, so card and account routes are confirmed separately. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
For Afghanistan, ATM24 can review an AFN payout through banks such as Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan. The manager checks whether the selected bank route supports the incoming transfer and which account or card details are needed. The bank route is confirmed before payment.
To prepare an AFN payout in Afghanistan, start with the exact recipient name and receiving route. ATM24 checks Azizi Bank, Maiwand Bank, card or account details, and any route-specific field before payment. The manager clarifies missing data before the order is paid. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
A money transfer to Afghanistan in AFN can begin from 15 minutes, but timing is route-based. ATM24 checks recipient details, amount, and banks such as Maiwand Bank or Da Afghanistan Bank. Documents or bank review can extend the processing time. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
The fee for sending money to Afghanistan with payout in AFN is calculated from 0.9% through ATM24. ATM24 shows the sender the fee, exchange conditions, payout route through Azizi Bank or Maiwand Bank, and amount the recipient should receive before payment. Bank-transfer fees, card conversion fees, and DCC markups from the sender's provider are separate. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives AFN in Afghanistan. The manager checks Afghanistan International Bank, Azizi Bank, payout route, exchange conditions, and final amount before payment. Any card conversion or sending-bank fee remains outside the recipient payout. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
ATM24 accepts transfers to Afghanistan in AFN from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Afghanistan AFN payout route, bank rules, payout channel, sender payment method, and recipient data. For a large transfer, the manager confirms the limit and documents before the sender pays. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
A large AFN payout to Afghanistan can need document checks when the amount, bank, or recipient route requires it. ATM24 reviews Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan with sender ID, source-of-funds details, and payment purpose if needed. The sender receives the checklist before payment. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
For a 1000 USD transfer to Afghanistan, the live AFN estimate depends on the current ATM24 route: 60,800 AFN. ATM24 calculates fee from 0.9%, exchange conditions, and the recipient route through Afghanistan International Bank or Azizi Bank. The final AFN amount is fixed before payment. Bank-route examples for Afghanistan: Afghanistan International Bank, Azizi Bank, Maiwand Bank, Da Afghanistan Bank, and Bank-e-Millie Afghan.
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