Dinar Trade.com has the following listed at the bottom of the frequntly asked questions page. "The central bank of Iraq has issued licenses to Western Banks to operate in Iraq these are the three banks: National Bank of Kuwait, HSBC Bank and Charter bank of England. Once these banks are operational in Iraq you could exchange the dinars trough their branches anywhere in the world." I have not spoken to anyone at HSBC, but I am planning on visiting a branch office soon. I have no other info about this, however if this is true maybe the rates and or exchange fees will be minimal.