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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.

Update works are being carried out in Idram system
Dear users, update works are being carried out in Idram system, as a result of which the services of the Banking section will not be available on November 21 from 04:00PM to 04:00AM, in particular, transfers between IDBank bank cards and accounts, replenishment of IDBank accounts and repayment of IDBank loans. All othe...
Changes in the list of Idram branches
Starting from November 17, the branches of "Ohanov City" and "Komitas City" will not be served."Arshakunyats" and "Armavir" branches will be available with their normal working schedule.
Transfer from Russia to Armenia with only 0.5% commission, via new IDpay application
IDpay is a new and simple app for transfers from Russia to Armenia with the lowest 0.5% commission *. The app allows instant replenishment of IDBank customer cards / accounts by phone number.To receive transfers via Idram app you need to synchronize Idram and IDBank accounts, and if you are not an IDBank customer, simp...
Idram app already available in Huawei App Gallery
Idram app is already available on the Huawei App Gallery. Download and make your payments and transfers in the fastest way.