Switch review
Updated October 12, 2026 · HodlCue Editorial Team
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Our verdict
Switch provides electronic cards, a mobile app and international transfers for individuals, merchants and banks. For people in Iraq seeking app managed payments and cross border transfers, it offers a focused everyday option.
Key facts
- Best for
- App based electronic cards and cross border transfers
- Card type
- Prepaid↗
- Card network
- Mastercard↗
- Legal entity
- Iraq Electronic Gate for Financial Services Company (SWITCH)↗
- Founded
- 2016↗
- Features
- Virtual card
- Official website
- switch.com.iq
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- Electronic cards issued through the app for daily and online use
- Serves individuals, merchants and banks from one service suite
- App shows balances, top ups and card transaction details
- International transfers offer cash, bank and wallet collection routes
Cons
- Card choice centres on electronic cards issued through the app
- Account and transfer management runs through the mobile application
- Service focus remains on Iraq with availability beyond it
Who it suits
- Residents in Iraq seeking app managed card payments
- People sending funds to family and friends abroad
- Merchants and banks seeking shared financial services
Who should look elsewhere
- People seeking branch based banking
- People wanting a physical card first service
How Switch compares
Where Switch is available
- Available
- Iraq
- Licence in Iraq
- Central Bank of Iraq (4), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Switch provide?+
Switch provides financial services for individuals, merchants and banks. Its offer covers electronic cards, mobile account access and international money transfers. The services connect everyday payments with wider financial use.
Who can use Switch services?+
Switch serves individuals, merchants and banks seeking centralised financial services. It suits people who want cards for daily spending and online transactions. Businesses and banks can also use its broader service structure.
Where does Switch operate?+
Switch tailors its payment solutions to needs in Iraq and beyond. Recipients abroad can collect transferred funds through several collection routes. The approach links domestic everyday use with cross border movement.
How does the Switch app work?+
Switch provides a mobile application that gives quick access to its services. Customers can check balances, top up, review card transaction details and manage mobile credit. The app also handles international transfers in a small number of steps.
Which cards does Switch issue?+
Switch offers a diverse range of electronic cards for flexible payment needs. The cards are issued through the Switch app and suit daily use. They also suit online transactions at home and abroad.
Sources
- switch.com.iq/about-us checked September 26, 2026
Backs: Founded, Legal entity, Licences
“in 2016, we launched Iraq Electronic Gate for Financial Services Company (SWITCH)”
- switch.com.iq/content/our-products/aghati-mastercard.html checked September 26, 2026
Backs: Card type, Card network
“Aghati Mastercard is a prepaid card issued through the Switch app”
- switch.com.iq/content/plastic-cards checked September 26, 2026
Backs: Features
“Whether you require a virtual card for online purchases or a one-time use card”
Compiled from 3 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.