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User rights

Claims and complaints 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:

Claims and 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 branches in Gyumri and Artik
Idram has launched 2 new branches. Our users can now make payments and money transfers in the newly opened branches of U!Pay at the addresses 208/3 Shahumyanstr. in Gyumri and 3/1 Abovyan str. in Artik. Idram already provides services in 40branches (including the head office), which are located in Yerevan and several ...
Utility payments: February
You can already check utility debts for February and make payments.