Idram Internet Payment System

For users

PAY

	MOBILE PHONE TOP-UP MTS Armenia, Ucom, Beeline, Karabakh Telecom, Russian and Georgian operators - Commission fee: 0 % - Transaction duration: instant -Russian operators. minimum transaction amount is 200 AMD, maximum amount - 100,000 AMD. -Georgian operators. minimum transaction amount is 1GEL. *Premium Plus user		UTILITY BILL PAYMENTS - Electricity, gas, water, fixed line - Commission fee: 0% - Transaction duration: max. 1 workday
	LOAN REPAYMENTS All Armenian banks - Commission fee: depending on the payment amount - up to 15,000 AMD - 100 AMD - 15,001-35,000 AMD - 200 AMD - 35,001-60,000 AMD - 300 AMD - 60,001 AMD and more - 0.7%. - Transaction duration: 2 banking days		INTERNET - Ucom, MTS Armenia, Beeline, HiLine, Interactive, Rostelecom, Karabakh Telecom, Arpinet, Yournet, CTV, Virus.net - Commission fee: 0% - Transaction duration: instant
	ONLINE BETTING -Top-up of betting accounts: Vivarobet, Totobet, Efugames, Adjarabet, Goodwin - Commission fee: 0% - Transaction duration: instant *Premium user		TOP-UP OF SOCIAL MEDIA ACCOUNTS - Odnoklassniki, VKontakte - Commission fee: 0% - Transaction duration: instant
	PARKING AND FINES - Parking payments - Commission fee: depending on the payment amount - 0-500 AMD - 0 AMD, - 1,000 -12,000 AMD- 200 AMD - Transaction duration: instant		ONLINE SHOPS - Payments in online shops - Commission fee: 0% - Transaction duration: instant
	ONLINE GAMES - Tanki Online, World of Tanks etc. - Commission fee: 0%, - Transaction duration: instant		TV - Ucom, VivaCell MTS, Interactive, NTV Plus, Rostelecom, CTV - Commission fee: 0%, - Transaction duration: instant
	TAXES AND FINES (www.idram.am and Idram Wallet) - 0-3,000 AMD- 100 AMD, -3,001-15,000 AMD - 200 AMD, - 15,001- 50,000 AMD - 300 AMD, - 50,001 AMD and more- 0.7%, - Transaction duration: 2 bank days		ROAD POLICE FINES - Payments in favor of Road Police of RA - Commission fee: depending on the payment amount - 100-3,000 AMD - 100 AMD, - 3,001-15,000 AMD - 200 AMD , - 15,001-50,000 AMD - 300 AMD, - 50,001 AMD и более - 0.7% - Transaction duration: instant - 2 bank days in case was fined by a policeman
	CES Compulsory Enforcement Service - Commission fee: depending on the payment amount - up to 15,000 AMD - 300 AMD, - 15,001-30,000 AMD - 500 AMD, - Transaction duration: instant

TRANSFER

TO OTHER IDRAM ID

Commission fee: 0,4%
- Transaction duration: instant

*One of the users should be Premium plus user and the other - Premium user

TO BANK ACCOUNT

Commission fee: Depending on the transfer amount

- up to 15,000 AMD - 100 AMD,
- 15,001-35,000 AMD - 200 AMD,
- 35,001-60,000 AMD - 300 AMD,
- 60,001 AMD and more - 0.7%.

- Transaction duration: max. 2 banking days

*Premium user

TO BANK CARD

Commission fee: 1%
- Transaction duration: max. 5 minutes

*Premium user

TO IDRAM BRANCHES

Commission fee: 1%
- Transaction duration: instant

*Premium user

TO OTHER EMONEY SYSTEMS

Yandex.Money (conversion rate), QIWI (conversion rate), eMoney.ge (conversion rate), Webmoney (conversion rate)
- Transaction duration: instant

*Premium Plus user

TO IDRAM MasterCard

Commission fee: 1%
- Transaction duration: max. 5 minutes

*Premium plus user

TO BANKS IN CASH

Armbusinessbank, Armeconombank, Unibank
- Commission fee: 1 %
- Transaction duration: max. 1 banking day

*Premium user

TOP UP

	VIA BANK CARD Commission fee: 0 % (for cards issued by VTB-Bank Armenia, Unibank and foreign international banks - 1%) - Transaction duration: instant *Premium plus user (in case of overseas bank cards)	VIA BANK TRANSFER - All banks - Commission fee: according to bank tariffs - Transaction duration: maximum 2 banking days
	FROM OTHER EMONEY SYSTEMS -Yandex.Money - Commission fee: 3%+15RUB+conversion rate - Qiwi (conversion rate) - Transaction duration: instant *Premium plus user	FROM IDRAM BRANCHES - Commission fee: 0% - Transaction duration: instant
	FROM BANKS VIA CASH - Armbusinessbank, Armeconombank, Unibank, Ardshinbank - Commission fee: 0 %, excluding Ardshinbank* - Transaction duration: maximum 1 banking day	VIA PAYMENT TERMINALS - Commission fee: 0%, excluding TelCell and EasyPay** - Transaction duration: instant
OTHER
	INTERNATIONAL MONEY TRANSFERS - Receive transfers via Unistream (In Idram branches) - Commission fee: based on Unistream tariffs - Transaction duration: instant

* Up to 10,000 AMD - 200 AMD,
10,001 - 50,000 AMD - 300 AMD,
50,001 -100,000 AMD - 400 AMD,
100,001 AMD and more - no commission fee.

**Up to 1,000 AMD - 30 AMD, 1,001-4,999 AMD - 2%, 5,000 AMD and more - 1%:

You are already a registered Idram user and are logged into your account.

If you are not the owner of this Idram ID, please log out by clicking on LOUG OUT on the top right corner and then press SIGN UP button.

To pass identification by a bank card and to become Premium user it is required to have:

A bank card which is issued by Armenian bank and connected to the 3D-Secure service
Minimum 500 AMD available on card account

Upgrading to Premium user is free.

To become Premium plus user, one should visit any of Idram branches (should present passport or ID card) or pass identification process distantly via Idram wallet.

Following this link you can find full list of branches with respective addresses and working hours of branches.

Upgrading to Premium user is free.