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PAY

 

 MOBILE PHONE TOP-UP


- VivaCell-MTS, Ucom, Beeline, 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.

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, VivaCell-MTS, Beeline, HiLine, Interactive, Rostelecom
- Commission fee: 0%
- Transaction duration: instant

TOP-UP OF SOCIAL MEDIA ACCOUNTS


-  Odnoklassniki, VKontakte
- Commission fee: 0%
- Transaction duration: instant

ONLINE BETTING

-Top-up of betting accounts: Vivarobet, Totobet, Eurofootball,Europe-Bet, Adjarabet
- Commission fee: 0%
- Transaction duration: instant


*Premium user

ONLINE SHOPS


- Payments in online shops
- 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 GAMES


- Tanki Online, World of Tanks etc.
- Commission fee: 0%,
- Transaction duration: instant

TV


- Ucom, 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

 

 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

*Premium user

 

 

 TRANSFER

 

TO OTHER IDRAM ID

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


*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: max. 1 banking day


*Premium user

TO OTHER EMONEY SYSTEMS

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


*Premium user

 

TO IDRAM MasterCard

Commission fee: 1%
- Transaction duration: max. 30 minutes


*Premium user

TO BANKS IN CASH

Armbusinessbank, Armeconombank, Unibank, BTA bank, Ardshinbank
- Commission fee: 0 %
- Transaction duration: max. 1 banking day


*Premium user

 

TOP UP

 

VIA BANK CARD

Commission fee: 0 % (for cards issued by Areximbank« VTB-Bank Armenia, Unibank, Procredit bank and foreign international banks - 1%)
- Transaction duration: instant

*Premium 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
- Transaction duration: instant


*Premium user

FROM IDRAM BRANCHES


- Commission fee: 0%
- Transaction duration: instant

FROM BANKS VIA CASH


- Armbusinessbank, Armeconombank, Unibank, BTA bank, 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 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 pass identification in any of Idram branches one should present Identification document.

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

Upgrading to Premium user is free.

Utility payments: October
You can already check utility debts forOctober and make payments.
Notification from Idram
Users who have registered their e-mail address in Idram Payment System will now receive emails when initiating a number of actions. Notifications will be sent by Idram if the user makes: Password recovery/change, PIN-code recovery/change, Verified mobile number recovery/change, Transaction Cancellation, E-mail a...