Receiving money from family is a constant concern for Iranian and Afghan students abroad. Sanctions, banking restrictions and anti-money-laundering rules make it far from simple. This article reviews legal routes and the points to respect so your bank account in the destination country does not run into problems.
Principle one: transparency and legality
European and Turkish banks must check the source of incoming money. Frequent, unexplained deposits from unknown people can lead to questions from the bank, a temporary freeze or account closure. Whatever method you choose must be legal, documentable and transparent, complying with the laws of Iran, the destination country and sanctions and anti-money-laundering rules.
Student currency (for Iranian students)
Iran allows Iranian students studying abroad to receive "student currency" under Central Bank circulars. According to announcements by the Ministry of Science's Student Affairs Organization, applications are made through the Sajad portal (portal.saorg.ir); the organization confirms your study status and payment follows Central Bank rules.
- Conditions, limits, rates and the banks involved have changed many times; always follow the latest circular.
- According to earlier announcements, an admission letter alone is not enough; you must be an enrolled student.
Licensed exchange offices
If you use an exchange office, use only officially licensed ones and keep receipts and transaction documents. Avoid unknown people on social media offering "cheap transfers"; there is a risk of fraud and it may endanger your account in the destination country.
Paying tuition
Tuition must always be paid to the university's official account. Before paying, ask the finance or admissions office which methods are accepted; some universities have specific arrangements for students from sanctioned countries. Never pay tuition into an agent's personal account.
Carrying cash
If you carry €10,000 or more (or the equivalent) in cash when entering or leaving the EU, EU rules require you to declare it to customs. Carrying large amounts of cash risks theft, and depositing it without proof of origin can also cause problems.
Blocked accounts and proof of funds
For countries like Germany that require a blocked account, ask the provider before choosing whether it accepts transfers from your country and which documents it needs. For amounts and details, see proof of funds.
A note for Afghan students
For transfers from Afghanistan or neighbouring countries, use only providers officially licensed in both the origin and destination countries and keep receipts. Informal methods may not be legal in the destination country or may make the bank suspicious about the source of funds.
Key tips
- Keep receipts and documents for every transaction.
- Be ready to explain the source of money (e.g. family support) with documents.
- Do not use your bank account for other people's transactions.
- Have a budget for the first one or two months before travelling, as opening a bank account may take time.
Frequently asked questions
Where do I apply for Iranian student currency?
According to the Student Affairs Organization, through the Sajad portal (portal.saorg.ir), under the current Central Bank circular.
Can I carry a lot of cash?
Yes, but under EU rules you must declare €10,000 or more to customs when entering or leaving the EU.
Why might my bank account be closed?
Unexplained deposits or suspicious sources can trigger anti-money-laundering checks. Transparency and documentation are key.
How should I pay tuition?
Only to the university's official account, using the methods the university specifies.
Official sources
Last updated: October 2026. Rules and costs may change; check the official source again before making a final decision.