NASS review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
NassPay suits expats and businesses moving money inside Iraq, with a monthly fee of IQD 0 and transfers free for account-to-account payments. The exchange rate markup runs 6%, above the money transfer group median of 0.53%, and card transfers start at IQD 1,000.
Key facts
- Best for
- Expats and businesses paying other NassPay users without a monthly charge
- Transfer fee
- Free for internal account-to-account and card-to-account; virtual card transfers USD 1-10 and physical card transfers IQD 1,000-15,000 by amount band↗
- Exchange rate markup
- 6%↗
- Delivery time
- Instant, in real time between NassPay users↗
- Payout methods
- Bank, Card↗
- Fee to send 1,000
- IQD 1,000↗
- Legal entity
- NassWallet↗
- Headquarters
- Iraq↗
- Support channels
- Email, Phone, Help-centre↗
- Official website
- nasspay.com
Everyday accounts
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
Pros and cons
Pros
- The monthly fee is IQD 0, matching most rivals in the money transfer group
- Transfers are free for account-to-account and card-to-account payments between users
- Money arrives Instant, in real time between NassPay users
- Support runs on email, phone and help centre
Cons
- The exchange rate markup of 6% sits above the money transfer median of 0.53%
- Currency conversion adds 6% on top of that markup
- Free transfers cover internal account-to-account and card-to-account payments only, with card transfers starting at IQD 1,000
Who it suits
- Expats in Iraq who send money to family and friends already using NassPay
- Businesses paying staff and suppliers from the same wallet
- Anyone who wants a IQD 0 monthly fee rather than a tiered pricing plan
Who should look elsewhere
- You want a low exchange rate markup, where Paysera lists cheaper fees on many routes
- You need a broad currency list, since payouts cover bank and card
- You want live chat, as the channels are email, phone and help centre
The company behind it
NassPay is operated by NassWallet and is based in Iraq. Support runs on email, phone and help centre, so help is available by email, by phone and through a help centre. The service is aimed at expats and businesses rather than everyday retail banking, and money leaves an account as a bank transfer or a card payout.
How NASS compares
8.4 vs 8.0
8.4 vs 8.5
8.4 vs 8.5
8.4 vs 8.9
8.4 vs 9.1
8.4 vs 8.6
8.4 vs 9.0
8.4 vs 8.9- 8.4 vs 8.9
8.4 vs 8.8
8.4 vs 8.8
8.4 vs 8.4
8.4 vs 8.0
Where NASS is available
- Available
- Iraq
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to hold a NassPay account?+
The monthly fee is IQD 0, which sits alongside the money transfer group median of €0. Most sends between users cost nothing extra, so a small account kept only for paying people rarely carries a charge.
What is the exchange rate markup on NassPay?+
The markup is 6% and a currency conversion fee of 6% is charged on top. The money transfer group median markup is 0.53%, so NassPay sits above the middle of the field. Sending a large sum therefore costs more in rate than in fee.
How fast is a transfer and how is the money delivered?+
Transfers are Instant, in real time between NassPay users. Payout methods are bank and card, so the recipient can be paid to a bank account or a card. Both payouts apply to transfers inside the network.
Who is NassPay built for?+
The stated audience is expats and businesses, and business users make up 56.5% of the money transfer group. That fits payroll, supplier payments and family transfers where both sides already hold the wallet.
How can I reach NassPay support?+
Support runs on email, phone and help centre. A phone line and email sit alongside a self-service help centre, and there is no live chat in that list, so quick answers come from the help centre or the phone.
Where is NassPay based?+
The service is run by NassWallet and is based in Iraq. Accounts are built for sending money to other users, and payouts cover bank and card, which keeps the service focused on domestic and nearby transfers.
Sources
- nasspay.com checked September 26, 2026
Backs: Delivery time, Headquarters, Pricing model, Monthly fee
“Send and Request Money in Real-time”
- nasspay.com/customer-support/frequently-asked-questions checked September 26, 2026
Backs: Audience
“You can be an Iraqi national or expat living in the country with a valid residency card or long-term visa.”
- nasspay.com/more/fees-and-limits checked September 26, 2026
Backs: Currency conversion fee, Exchange rate markup, Transfer fee, Fee to send 1,000
“Payment with Foreign Currency: CBI exchange rate + 6% fee”
- nasspay.com/more/terms-conditions checked September 26, 2026
Backs: Legal entity, Support channels
“Visa cards are issued by NassWallet, a licensed card issuer authorized by the Central Bank of Iraq (CBI) and Visa International as a principal member”
- nasspay.com/personal/money-transfer checked September 26, 2026
Backs: Payout methods
“Card to card, Card to account, Account to Account, Account to Card”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type.