Banks, ATMs and moneychangers are widespread. Banks with the best services include Golomt, Khan Bank and Trade & Development Bank. ATMs (you’ll find them in department stores, mini markets and hotel lobbies) dispense tögrög; you can get dollars or euros from a bank teller, with your debit card and passport (expect a fee of around 1% to 3% from your home bank). The moneychanger on the ground floor of the State Department Store is handy but rates here are not the best. The moneychangers at Ard Kino and Ikh Naiman Sharga have the best rates.
Both Golomt and Trade & Development Bank will allow you to receive money wired from abroad. It will cost the sender about US$40 to wire any amount of money; there is no charge for receiving cash.