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User rights

Claims about services provided by the company are satisfied according to Appendix 9 of Charter 8/03 "Publication of data by banks, credit organizations, insurance brokers, investment organizations, the Central Depository and payment and settlement organizations, engaged in money transfers", from June 2, 2009 by the decision N 166-Ն of the Central Bank Board, and Appendix 2 of the Central Bank Board’s decision N 225-Ն from July 28, 2009.

Appendix 9 – 1
Appendix 9 – 2
Appendix 2 – 1
Appendix 2 – 2

You can send your complaints in both electronic and paper form to e-mail and postal addresses, which are mentioned in "Contacts" section.

The possible errors, complaints and disputes can be resolved according to the procedure.

You can find the claim form below:

Complaints form

Those clients, who are physical entities have the opportunity to present their claims and complaints on transactions between the client and the company, to the mediator of the financial system.

Working schedule of January 27 and 28
Dear users, January 27 and 28 are non-working days. Instead of January 27, the working daywill be February 1.On January 27 and 28, the Head office of the company and Armavir branch will not work.Komitas City branch, Ohanov City branch, Arshakunyats branch will work in the usual workingschedule. On January 27, call and ...
Working schedule of December 21
Dear users, there is a change in the working schedule of December 21. The Yerevan Mall, Komitas City, Ohanov City branches and Contact center will be available from 9:00 to 17:00. Missed calls during this period will be directed back the next day. We ask for your understanding.
New working schedule
Dear users, we are happy to announce that from now on the call center and online support of Idram will operate with new work schedule. From 01.10.2019 the call center and online support will be available from Monday to Friday 8:00AM to 02:00 AM and on weekends from 9:00 AM to 10:00 PM.
Changes in the September 21 working schedule
Dear users, We are informing you that September 21 is a non-working day. On this day, the head office of the company will not work. The branches of Arshakunyats, Komitas City, Ohanov City, as well as the Contact Center and Technical Support Center will operate according to the usual schedule. The terminal's call ce...