TurkmenistanTMTTurkmenistani Manat
Turkmenistani manat (TMT) or US dollars - to a Halkbank/Turkmenbank card or bank account in national format (without IBAN). Labour migrants from Turkmenistan in Russia send money home through ATM24: the manager selects the account details individually, the country's banking system is state-controlled and isolated. Turkmenistan has not imposed sanctions against Russia - the route is set up in standard fashion, confirmation within 15 minutes.
The route, the receiving bank and the payout amount are agreed before payment.
Transfers to Turkmenistan can be credited in Turkmen manat (TMT) or foreign currency, including USD, to a bank account or Visa and Mastercard card. Among the main banks are Halkbank and the State Bank for Foreign Economic Activity of Turkmenistan, which handles transfers in national and foreign currency and is connected to SWIFT. The country's banking sector operates under regulation by the Central Bank of Turkmenistan. To transfer to an account, you typically need the name of the receiving bank, an account number in national format, and the recipient's full name; IBAN format is not used in Turkmenistan. Turkmenistan has not adopted EU sanctions against Russia, but international transfers still depend on the correspondent bank, currency, route, and standard AML/KYC checks, so it is better not to use the phrase "without restrictions".
ATM24 selects an available route individually. ATM24 commission starts from 0.9% without additional markups to agreed terms. The credit period depends on the receiving bank and route and is clarified when submitting your request. To receive cash in TMT or USD, the current cities and payment locations are also clarified before the transfer. Payment from Russia is possible in cash RUB, USDT, and other available currencies.
TMT or USD. Cards are issued by Halkbank and Turkmenbank. Commission from 0.9% without markups to the exchange rate. Credit times - check with your manager
TMT or USD. Accounts in Turkmenistan in national format (without IBAN). Details: bank name, account number, recipient's name. Commission from 0.9% without markups to the exchange rate. Credit times - check with your manager
By arrangement with your manager. Check the list of payment locations when submitting your request. Receipt in manat (TMT) or US dollars. Commission from 0.9%. Payment locations - contact ATM24 manager
Transfers to Turkmenistan are one of the non-standard routes: the country's state-controlled and closed banking system limits the methods of receiving funds. ATM24 works with this corridor and selects the route individually. Please clarify the details and current account information with your manager before sending.
We accept RUB, USD, EUR and USDT — we pay out in TMT
RUB TMT
0.03645per 1 RUB
10 000 ₽ = 365 TMTUSD TMT
3.27per 1 USD
100 $ = 327 TMTEUR TMT
3.7per 1 EUR
100 € = 370 TMTUSDT TMT
3.27per 1 USDT
100 USDT = 327 TMT| You send | Payout in TMT |
|---|---|
| 100 USDT | 327 TMT |
| 300 USDT | 980 TMT |
| 500 USDT | 1 634 TMT |
| 1 000 USDT | 3 268 TMT |
| 5 000 USDT | 16 339 TMT |
Where recipients usually get the money in Turkmenistan
Türkmenbaşy Bank — a universal bank with retail and corporate services. Recipients may use an account, card, branch, or mobile banking.
Daýhanbank — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Halkbank Turkmenistan — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
Senagat Bank — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Rysgal Bank — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
The Central Bank of Turkmenistan (CBT) regulates the banking system and sets the official exchange rate of the national currency.
Card systems
Visa and Mastercard cards are serviced by a number of major banks.
Payment applications
Halyk Bank provides mobile banking services. Most payments in the country are made through state banks in cash or cashless form. Turkmenistan has limited access to international fintech services.
Interbank transfers
Among the main state banks are Halkbank, Turkmenbank, and Senagat Bank. Turkmenistan is not in the IBAN zone, so accounts have a national format; for international transfer you typically need the bank name, account number, recipient's full name, and SWIFT/BIC.
Financial regulator
The official CBT exchange rate has historically been around 3.5 TMT per 1 USD, while the market rate can differ significantly, so the credit amount and applicable exchange rate are clarified before the transfer.
Features for ATM24
National currency - Turkmen manat (TMT).
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.
Only methods present in both the country description and the current route are shown.
Real stories from real people
The guys work promptly. They answer quickly, help where it's unclear. Manager Stanislav explained everything in detail, even a child could handle it) The rate is reasonable, very satisfied with the service.
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There are many exchange services now, but I always exchange with these guys! Fast, convenient, manager Sofa communicates with me: always ready to answer all my questions, very friendly)
Read full reviewIt's not easy to decide to transfer money for subsequent exchange, but the guys work honestly, quickly and well. The last time manager Stanislav helped, thanks to him separately. I've used your services more than once, the impression is only positive. You’ve helped more than once!
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Best rates, always fast Support throughout the process makes it a pleasant experience. Would like to mention manager Egor, always willing to help, answered all my questions. 5/5
Read full reviewExcellent service. Manager Egor explained everything quickly and clearly.
Read full reviewExchanged rubles for Thai baht. Manager Stanislav helped us👍🏻 patiently and clearly explained everything🙌🏻 everything went quickly✊🏻 thanks
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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Transfers to Turkmenistan have specific features due to the closed state banking system. ATM24 works with this corridor - below are answers to frequently asked questions.
To send money to Turkmenistan with payout in TMT through ATM24, start with the recipient's exact route for the Turkmenistan TMT payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as State Bank for Foreign Economic Affairs of Turkmenistan. Bank-route examples for Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
A card or bank-account payout in Turkmenistan in TMT is possible only when the selected route supports it. ATM24 verifies whether the recipient's card, account number, and name match the Turkmenistan TMT payout route. The manager confirms the selected bank, such as State Bank for Foreign Economic Affairs of Turkmenistan or Rysgal Bank, before payment because card and account rules may differ. Bank-route examples for Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
For bank payout in Turkmenistan, useful TMT references include State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank. ATM24 treats the bank named by the recipient as the working route and checks recipient name, account data, and route availability. The sender pays after that bank route is confirmed.
For Turkmenistan, ATM24 does not use one universal recipient form for every TMT transfer. The details are checked by route: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank, card payout, account payout. Name, account/card data, and payout currency must match the selected option. Bank-route examples for Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
A TMT transfer to Turkmenistan can start from 15 minutes after ATM24 confirms the recipient route. Timing depends on amount, recipient details, and Turkmenistan TMT payout route, State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, card route, account route, and recipient-name matching against the selected bank record. The expected payout window is shown before payment. Bank-route examples for Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
The ATM24 fee for sending money to Turkmenistan with payout in TMT starts from 0.9% on the Turkmenistan TMT payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
Yes, the sender can use an available card, bank transfer, USDT, or another confirmed method while the recipient receives TMT in Turkmenistan. The manager checks State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, 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 Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
ATM24 accepts transfers to Turkmenistan in TMT from 100 USD or the equivalent. The maximum amount is not a single country-wide number; it depends on the Turkmenistan TMT 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 Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
For a large TMT transfer to Turkmenistan, ATM24 reviews documents around Turkmenistan TMT payout route, State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, recipient-name match, route limit, payment purpose, source-of-funds review, and recipient-name matching against the selected bank record. The request may require sender ID, source-of-funds details, recipient bank data, and payment purpose. The manager confirms the exact list before payment. Bank-route examples for Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
If you send 1000 USD to Turkmenistan, the recipient amount in TMT is not a generic market-rate number: 3,267.81 TMT. The calculation uses the payout route, bank such as Rysgal Bank, fee from 0.9%, and exchange conditions. ATM24 confirms the final amount before the sender pays. Bank-route examples for Turkmenistan: State Bank for Foreign Economic Affairs of Turkmenistan, Halkbank, Rysgal Bank, Senagat Bank, and Dayhanbank.
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