Call
(+37460) 700 700
Visit us
Map
Forgot password?
Sign Up
Delete group with all its records?
Top up
Pay
Transfer
Top up
Pay
Transfer
Limits and restrictions

PROCEDURE FOR THE APPLICATION OF LIMITS AND LIMITATIONS ON TRANSACTIONS EXECUTED WITH ELECTRONIC MONEY

1. LIMITS AND LIMITATIONS OF THE TRANSACTIONS EXECUTED WITH ELECTRONIC MONEY

The rendering of the services by the Company is executed with electronic money and by cash/non-cash payments. The transactions with electronic money are executed through Idram Registration Accounts. Transactions executed by the Registration Accounts are: replenishment, payment, transfer and redemption.

Based on the statuses of the Registration Accounts-Unidentified, Premium and Premium Plus- different limits and limitations are applied. The mentioned statuses and the identification procedure are stipulated by the Public Agreement of the Company, whereas the limits and limitations on the transactions thereof are regulated by this Procedure.

1.1. PREMIUM AND PREMIUM PLUS

The electronic money available in the Registration Account (Accounts), identifying the User, shall at no time exceed the amount of 1.000.000 AMD. In case the User holds more than one Registration Account, the mentioned limit shall be applied to all accounts jointly. The types of the transactions, along with their limits, are presented below:

1.1.1. Replenishment of the Identified Registration Accounts

Table 1 below indicates the opportunities and limits for the replenishment by cash and non-cash payments applied for the Users of Premium and Premium Plus statuses:

Table 1
Replenishment Limit for One Transaction Monthly Limit Notes
By cash payments
Via network of branches of the Company The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD None In the cases of 400.000 AMD and more amounts- exclusively by the maintenance of the copy or electronic version of the identification document
Via network of branches of the partner financial organizations The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD, if the partner does not impose stricter limits None According to the limits set by the partner
Via network of terminals of the Company The minimum amount is 100 AMD, the maximum amount- 200.000 AMD None  
Via network of terminals of the partner financial organizations The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD, if the partner does not impose stricter limits None According to the limits set by the partne
By non-cash payments
Via banking cards issued by Armenian banks (ArCa, Visa, Master, AMEX) The minimum amount is 100 AMD, the maximum amount- 500.000 AMD, if the bank, which has issued the card, does not impose any other limit Maximum of 1.500.000 AMD In separate cases the limit is subject to amendment according to Article 2.1.
Via banking cards issued by foreign banks (Visa, Master, AMEX) The minimum amount is 100 AMD, the maximum amount- a foreign currency equivalent to 200.000 AMD, if the bank, which has issued the card, does not impose any other limit Maximum of 500.000 AMD In separate cases the limit is subject to amendment according to Article 2.1.
Via attached cards issued by Armenian banks The minimum amount is 100 AMD, the maximum amount- the limit applied by the bank, which has issued the card Maximum of 2.500.000 AMD The given limit is applied in addition to the fixed limit
Via partner organizations- a transfer of amounts to Idram Registration accounts of the beneficiaries of Partner organizations, based on the order of the partner organization. The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD None According to the limits applied by the partner organizations
Via POS terminals serving the banking cards The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD None According to the requirements applied during the replenishment of Idram Registration Accounts by POS terminal in the branches*
Via other electronic money systems The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD, if the partner does not impose stricter limits According to the limits set by the partner According to the limits set by the partner
Via online loan provided by a partner financial organization According to the limits set by the partner According to the limits set by the partner  
Via banking transfer from accounts of RA banks The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD. None  

*The requirements applied during the replenishment of Idram Registration Accounts by POS terminal in the branches:

The personal identification document shall be demanded from the Users, and the compliance of the data thereon shall be checked with the data encrypted on the card in the following cases:

  • In the case of executing a transaction in the branch with any banking card, without entering a PIN code (cards without chips),
  • In the case of executing a transaction in the branch with a banking card, issued by foreign banks,
  • In the case of executing a transaction in the branch, which complies with the criteria for suspicious transactions or suspicious business relations, regardless of the amount of transaction and the type of the banking card.

1.1.2. Payment, Transfer and Redemption from Identified Idram Registration Accounts

Table 2
Redemption/Payment/ Transfer Applied Limit Monthly Limit Notes
Redemption/Transfer
Withdrawal/redemption via network of branches of the Company The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD, including the commission fee None In the cases of 400.000 AMD and more amounts- exclusively by the maintenance of the copy or electronic version of the identification document
Withdrawal/redemption via network of branches of partner financial organizations The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD, including the commission fee, if the partner does not impose any other limit None As per the procedure set by the partner
Transfer to other resident, electronic money systems The minimum amount is 100 AMD, the maximum amount- 200.000 AMD Up to 500.000 AMD f the partner does not impose any other limit
Transfer to other non-resident, electronic money systems** The minimum amount is 180 AMD, the maximum amount- 100.000 AMD Up to 300.000 AMD If the partner does not impose any other limit
Transfer from one Idram Registration account to another Registration Account** The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD, including the commission fee None  
Transfer to the cards issued by Armenian banks** The minimum amount is 1.000 AMD, the maximum amount- 500.000 AMD None  
Transfer to accounts of Armenian banks The minimum amount is 1.000 AMD, the maximum amount- 1.000.000 AMD, including the commission fee None  
Payment
Replenishment of cell phones, except for the mobile operators of Russia The limitation as per the partner’s limitation The limit on the amounts- as per the partner’s limits, as for the quantity of the transaction- a limit of 100 transactions In case of Georgian operators- minimum of an amount in AMD equivalent to 1 GEL
Utility payments/internet/ television payments Up to 1.000.000 AMD None  
Russian mobile operators** The minimum amount is 200 AMD, the maximum amount-100.000 AMD Up to 300.000 AMD  
Instant loan payment via online integration The minimum amount is 100 AMD, The maximum- as per the conditions agreed with the partner None  
Loan payment via banking transfer The minimum amount is 1.000 AMD, the maximum amount- 1.000.000 AMD, including the commission fee None  
Replenishment of online games/ social media accounts The minimum amount is 100 AMD, the maximum amount-1.000.000 AMD Up to 300.000 AMD If the partner does not impose any other limitation
Replenishment of bookmaker accounts** The minimum amount is 100 AMD, the maximum amount-1.000.000 AMD None  
Taxes, state duties/ fines of Road Police The minimum amount is 100 AMD, the maximum amount-1.000.000 AMD None  
Compulsory Enforcement of Judicial Acts The minimum amount is 100 AMD, the maximum amount-30.000 AMD None  
Payments by QR code The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD None  
Online shops The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD None  
Other services The minimum amount is 100 AMD, the maximum amount- 1.000.000 AMD None  

** In the event of replenishments with foreign cards, Premium Plus Users are allowed to make transfers to another non-resident electronic systems, accounts of Russian mobile operators, other Idram Registration Accounts, cards issued by RA banks and bookmaking accounts, provided that such users have a history of 12 and more months, or in separate cases in accordance with the procedure under Article 2.1. The mentioned services are not available for Premiums Users, regardless of their history.

1.2. UNIDENTIFIED (NON-REPLENISHABLE ONE-OFF E-MONEY) REGISTRATION

The maximum amount of non-replenishable one-off electronic money available in each User’s Registration account may not exceed 200.000 AMD.

1.2.1. Replenishment of Unidentified Registration Accounts

Table 3 below indicates the opportunities and limits for the replenishment by cash and non-cash payments applied for the Unidentified Registration Accounts:

Table 3
Replenishment Limit of one Transaction Monthly Limit Notes
By cash payments
Via network of branches of the Company The minimum amount is 100 AMD, the maximum amount- 200.000 AMD Up to 200.000 AMD  
Via network of branches of the partner financial organizations The minimum amount is 100 AMD, the maximum amount- 200.000 AMD Up to 200.000 AMD If the partner does not impose any other limit
Via network of terminals of the Company The minimum amount is 100 AMD, the maximum amount- 200.000 AMD Up to 200.000 AMD  
Via network of terminals of the partner financial organizations Up to 200,000 AMD, if the partner does not impose stricter limits Up to 200.000 AMD  
By non-cash payments
Via banking cards issued by Armenian banks (ArCa, Visa, Master, AMEX) The minimum amount is 100 AMD, the maximum amount- 200.000 AMD Up to 200.000 AMD  
Via banking cards issued by foreign banks (Visa, Master, AMEX) The service is not available The service is not available  
Via POS terminals serving the banking cards The minimum amount is 100 AMD, the maximum amount- 200.000 AMD Up to 200,000 AMD According to the requirements applied during the replenishment of Idram Registration Accounts by POS terminal in the branches***
Via partner organizations- a transfer of amounts to Idram Registration accounts of the beneficiaries of Partner organizations, based on the order of the partner organization. The service is not available The service is not available  
Via other electronic money systems The service is not available The service is not available  
Via online loan provided by a partner financial organization The service is not available The service is not available  
Via banking transfer from accounts of RA banks The minimum amount is 100 AMD, the maximum amount- 200.000 AMD Up to 200.000 AMD  

*** Requirements applied during the replenishment of Idram Registration Accounts by POS terminals in the branches:

The personal identification document shall be demanded from the Users, and the compliance of the data thereon shall be checked with the data encrypted on the card in the following cases:

  • In the case of executing a transaction in the branch with any banking card, without entering a PIN code (cards without chips),
  • In the case of executing a transaction in the branch, which complies with the criteria for suspicious transactions or suspicious business relations, regardless of the amount of transaction and the type of the banking card,
  • Replenishment of Unidentified Registration Accounts with the banking cards, issued by foreign banks is prohibited.

1.2.2. Payment from Unidentified Registration Accounts

Table 4 below indicates the payments allowed from Unidentified Registration Accounts. Services of transfer and redemption/withdrawal are prohibited from Unidentified Registration Accounts.

Table 4
Payment Applied Limit Monthly Limit Notes
Replenishment of cell phones, except for the mobile operators of Russia The limitation according to the limitations of the Partnerի The limit on the amounts- as per the partner’s limits, as for the quantity of the transaction- a limit of 50 transactions In case of Georgian operators- minimum of an amount in AMD equivalent to 1 GEL
Utility payments/internet/ television payments Up to 200.000 AMD Up to 200.000 AMD  
Instant loan payment via online integration The minimum amount is 100 AMD, including the commission fee, The maximum- as per the conditions agreed with the partner, which cannot exceed the amount of 200.000 AMD Up to 200.000 AMD  
Loan payment via banking transfer The service is not available The service is not available  
Replenishment of online games/ social media accounts The minimum amount is 100 AMD, the maximum amount- 100.000 AMD Up to 200.000 AMD  
Replenishment of bookmaker accounts The service is not available The service is not available  
Taxes, state duties/ fines of Road Police The minimum amount is 100 AMD, the maximum amount- 200.000 AMD , including the commission fee Up to 200.000 AMD  
Compulsory Enforcement of Judicial Acts The minimum amount is 100 AMD, the maximum amount- 30.000 AMD Up to 200.000 AMD  
Payments by QR code The minimum amount is 100 AMD, the maximum amount- 200.000 AMD None  
Online shops The minimum amount is 100 AMD, the maximum amount- 200.000 AMD None  
Other services The minimum amount is 100 AMD, the maximum amount- 200.000 AMD None  

2. PROCEDURE FOR THE CHANGE OF LIMITS AND LIMITATIONS

Limits and limitations are subject to amendment only for Premium Plus Registration Accounts. A change of limit or limitation is possible during the replenishment with Armenian and foreign cards in accordance with:

2.1. Change of limit as per the application-request of the user

As per the application-request of the User made personally (in a paper form or via identified electronic mail) or via Center of Calls of the Company (from an identified telephone number in an oral form, which is proceeded by the employer of the call center via internal communication), the application-request is sent by the corresponding employer for review of the officer of monitoring center. The officer of monitoring center examines the application-request, the history of transactions, conducts an additional review of high and medium risk transactions, in case of foreign cards-monitors the corresponding software of previous transactions. Thereafter the officer may approve, reject or partially approve the change based on the results of the conducted review. The incomplete or incorrect data presented by the user may be the bases for the rejection or partial approval of the application-request.

2.2. Change of limit in the case of review of the Procedure

By way of amending the following procedure- when it is necessary to change the limits and limitations based on the following:

  • The results of the monitoring of the transactions,
  • Market and competition requirement,
  • Necessity for risk management,
  • Assignments by the monitor,
  • Regulation amendments,
  • As well as the change in the strategy of the Company.
Utility payments: August
You can already check utility debts for August and make payments.
A new branch in Yerevan
Idram has launched a new branch. Our users can now make payments and money transfers in the newly opened branch of U!Pay at the address2-86 Mamikonyants str. in Yerevan. Idram already provides services in 53 branches, which are located in Yerevan and several other cities of Armenia (Abovyan, Ashtarak, Ararat, Armavi...