# Sida lacag loogu diro Soomaaliya: hababka, qiimaha iyo xeerarka

> Hababka lacag loogu diro Soomaaliya, inta ay ku kacdo, canshuurta lacagta loo diro ee Mareykanka, waxa qofka helaya u baahan yahay, iyo sida loo hubiyo shirkad.

Source page: https://calankii.com/so/economy/how-to-send-money-to-somalia/
Language: so
Translation of: https://calankii.com/en/economy/how-to-send-money-to-somalia/
Last checked: 2026-11-12
Publisher: Calankii (https://calankii.com)

## Cidda boggan loogu talagalay

Boggan waxaa loogu talagalay qof kasta oo dibadda jooga oo qoys ama saaxiibo Soomaaliya ku taageera. Qiyaastii shan qoys oo Soomaaliyeed midkood wuxuu lacag ka helaa qof ka baxsan qoyska ([Xafiiska Tirakoobka Qaranka ee Soomaaliya, SIHBS 2022](https://nbs.gov.so/wp-content/uploads/2023/07/SOMALIA-INTEGRATED-HOUSEHOLD-BUDGET-SURVEY.pdf)). Calankii lacag ma diro, shirkadna kuma talo bixiyo.

## Hababka loo diro

1. **Wakiilka shirkad xawaalad Soomaaliyeed.** Waxaad lacag kaash ah ama kaar ku bixisaa xafiis dibadda ku yaal, qofka helayaana wuxuu lacagta kaash ka qaataa wakiil Soomaaliya jooga, inta badan saacado gudahood ([Rift Valley Institute](https://riftvalley.net/wp-content/uploads/2018/06/RVI-Challenges-for-the-Somali-Money-Transfer-Sector-March-2014.pdf)).
2. **App-ka ama website-ka shirkadda, oo lacagta lagu shubo boorsada mobilka.** Lacagtu waxay ku dhacdaa akoonka EVC Plus, Zaad, eDahab ama Sahal ee qofka helaya. 2022, 41.5 boqolkiiba qoysaska lacag dibadda ka helay waxay ku heleen lacagta mobilka, qoysaska reer guuraaga ahna 72.3 boqolkiiba ([SIHBS 2022](https://nbs.gov.so/wp-content/uploads/2023/07/SOMALIA-INTEGRATED-HOUSEHOLD-BUDGET-SURVEY.pdf)).
3. **Wareejin bangi** oo loo diro akoon bangi oo Soomaaliya ku yaal. Bangiyadu waxay 2025 qaadeen $993 milyan oo lacag qoysas loo diray ah, halka shirkadaha xawaaladdu qaadeen $2,141 milyan ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)).

## Inta ay ku kacdo

Qiimuhu waa **khidmadda iyo faraqa sarrifka** (farqiga u dhexeeya sicirka aad hesho iyo sicirka suuqa).

- Celceliska qiimaha lacag loogu diro Soomaaliya wuxuu dabayaaqadii 2024 ahaa qiyaastii **6.6 boqolkiiba**, halka hadafka QM yahay 3 boqolkiiba ([Hiiraan Online](https://hiiraan.com/news4/2025/July/202205/u_s_remittance_tax_threatens_1_7_billion_somali_lifeline.aspx)).
- Laga soo diro **Mareykanka**, Bangiga Adduunku wuxuu bilowgii 2025 cabbiray celcelis ah **5.60 boqolkiiba** ([Bangiga Adduunka, Remittance Prices Worldwide, Mareykanka ilaa Soomaaliya](https://remittanceprices.worldbank.org/corridor/US/SO)).
- Laga soo diro **Iswiidhan**, wuxuu rubucii saddexaad ee 2025 cabbiray **6.79 boqolkiiba** ([Bangiga Adduunka, Remittance Prices Worldwide, Iswiidhan ilaa Soomaaliya](https://remittanceprices.worldbank.org/corridor/SE/SO)).
- Qiimaha **Boqortooyada Ingiriiska**, **Holland** iyo **Australia** waxay ku jiraan isla bogga Bangiga Adduunka ([Ingiriiska ilaa Soomaaliya](https://remittanceprices.worldbank.org/corridor/United-Kingdom/Somalia)).

Shirkado badan oo Soomaaliyeed ayaa khidmadda ka dhimma lacagaha waaweyn, dadka si joogto ah u dira, iyo bisha Ramadaan ([Rift Valley Institute](https://riftvalley.net/wp-content/uploads/2018/06/RVI-Challenges-for-the-Somali-Money-Transfer-Sector-March-2014.pdf)). Lacagta badankeeda waxaa loo diraa oo lagu bixiyaa doollarka Mareykanka, sidaas darteed inta badan sarrif kama dhaco dhinaca Soomaaliya ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)).

## Canshuurta Mareykanka ee lacagta loo diro

Laga bilaabo **1 Janaayo 2026**, Mareykanku wuxuu **canshuur 1 boqolkiiba ah** ka qaadaa lacagta dibadda loo diro marka lagu bixiyo **kaash, money order ama cashier's cheque**. Lacagta laga bixiyo **akoon bangi oo Mareykan ah ama kaar debit ama credit oo Mareykan ah canshuur ma saarna** ([RSM US](https://www.rsmus.com/insights/tax-alerts/2025/excise-tax-on-cross-border-remittances)).

## Waxa qofka helaya u baahan yahay

- **Qaadashada kaashka:** magaca buuxa ee aad bixisay, oo la mid ah aqoonsigiisa, iyo koodhka lacagta.
- **Boorsada mobilka:** lambar EVC Plus, Zaad, eDahab ama Sahal ah oo diiwaangashan. Akoonnada maaliyadeed ee cusub ee Soomaaliya hadda waxaa lagu furaa aqoonsiga qaranka, oo lagu hubiyo nidaamka Hubiye eKYC ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)).
- **Akoon bangi:** magaca bangiga iyo lambarka akoonka.

## Sida loo hubiyo shirkad

- **Ma ruqsad ayay ku leedahay meesha aad ku nooshahay?** Boqortooyada Ingiriiska, waxaa la eegi karaa diiwaanka Financial Conduct Authority. Tusaale ahaan, Dahabshiil wuxuu sheegaa inay maamulaan Financial Conduct Authority ee Ingiriiska, Hay'adda Kormeerka Maaliyadda ee Iswiidhan iyo FINTRAC ee Kanada ([Dahabshiil](https://www.dahabshiil.com/dahabshiil-story)).
- **Ma ruqsad ayay ku leedahay Soomaaliya?** Bangiga Dhexe wuxuu Diseembar 2025 ruqsad siiyay 14 shirkadood oo xawaalad ah iyo 6 shirkadood oo lacagta mobilka ah ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)).

## Inta Soomaalidu dirto

Soomaalida dibadda joogtaa waxay 2025 qoysaskooda u direen **$3.13 bilyan**, korodh 15 boqolkiiba marka la barbar dhigo 2024 ([Bangiga Dhexe ee Soomaaliya, Warbixinta Sannadlaha 2025](https://centralbank.gov.so/wp-content/uploads/2026/08/Annual-Report_2025.pdf)). Eeg [Lacagta qurbaha](/so/economy/remittances-in-numbers/) iyo [Xawaaladda iyo shirkadaha lacagta](/so/economy/hawala-and-money-transfer-companies/).