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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.

Komitas City branch will not serve today
Dear users, in order to carry out disinfection works, the "Komitas City" branch of Idram will not serve from 14:00 today. We apologize for any inconvenience.
Change of work schedule
Dear Users, please be informed that customer service hall of Idram Head Office and Armavir branch will not serve for uncertain term. The Branches Ohanov City and Komitas City will continue to serve daily from 10:00 am to 7:00 pm. Call center and technical support center will work on a regular work schedule.
From Idram to Idram with no commission
Dear Users, please be informed that from now on Idram to Idram transfers will be made with 0% commission.
Working schedule
Dear Users, please be informed that Idram Head Office, Ohanov City and Komitas City Branches will continue to serve. Armavir branch will not serve for uncertain term. The Branches Ohanov City and Komitas City will serve daily from 10:00 am to 7:00 pm. Head Office will be open from Monday to Friday from 10:00 to 16:00. ...