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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.

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...
Attention
Dear users, Due to technical problems at Gazprom Armenia on September 10 and 11, while making utility payments with the Idram mobile app and website, gas payments were made in part. The amount of outstanding transactions has been transferred back to your Idram account. Please check and re-execute the transaction if n...
Transfers from Idram to Bank Cards are again available
Dear users, We are pleased to announce that the technical issue has been resolved and transfers from Idram to Bank Cards are again available. Again, we apologize for the inconvenience.