🏦 Banking & Payments

Check balances, transfer funds and pay bills from Iran's oldest and largest bank, right from a smartphone, instead of standing in a branch queue. About Hamrah Bam (Bank Melli Iran Mobile Banking): Hamrah Bam is the official mobile banking app of Bank Melli Iran (BMI), the country's oldest bank, founded in 1928 and still one of its largest state-owned banks by branch network. The app puts most day-to-day banking that once required a branch visit — balance checks, transfers, bill payments — directly on a phone, and is one of the most widely installed banking apps in the country. Key Features: Account Overview: Check balances and download statements for every linked Bank Melli account. Fund Transfers: Move money between your own accounts, to other Bank Melli customers, or to any bank via the national Paya and Satna interbank networks. Bill & Loan Payments: Pay utility and government bills, and make instalment payments on Bank Melli loans and facilities. Mobile Top-Ups: Recharge prepaid SIM balance for any Iranian mobile carrier straight from the app. How to Get Started: Visit a Bank Melli Iran branch once with your national ID card to activate mobile banking on your account (this one-time step is required before the app's transfer features unlock). Download Hamrah Bam from Bank Melli's official site or an Iranian app store. Log in with the username and password issued at activation. Use transfers, bill payments and top-ups directly from the app afterward. Important Notice: Full activation — particularly for money transfers — requires visiting a Bank Melli branch once with a national ID card; after that, day-to-day banking can be done entirely through the app. International cards and foreign banking networks are not supported due to sanctions.

Open a bank account entirely from your phone in under 7 minutes — no branch visit, no paperwork — with Iran's leading fully digital neobank. About Blu Bank: Blu Bank (بلوبانک) is Iran's first fully digital neobank, launched in 2020 as a subsidiary of Saman Bank, and has grown into the country's highest-valued and fastest-growing neobank with roughly 63% of Iran's neobank market. Unlike a traditional bank app tied to physical branches, Blu operates entirely through its mobile app — account opening, transfers, loans and payments are all handled digitally, with Saman Bank providing the underlying deposit and regulatory infrastructure. Key Features: Branchless Account Opening: Open an account in under 7 minutes, entirely through the app, free of charge. No Transaction Fees: Positioned as fee-free for everyday banking activities. Full Digital Banking: Transfers, bill payments and loan applications handled without visiting a branch. Modern App Experience: Built as a mobile-first product rather than a digital add-on to branch banking. How to Get Started: Download the Blu Bank app from the App Store or Google Play. Follow the in-app account opening process, providing your national ID information. Complete the digital verification steps to activate your account. Use the app to manage transfers, payments and other banking activities. Important Notice: As with other Iranian banking apps, Blu Bank is built for use within Iran — accessing it while abroad typically requires an Iranian IP connection due to geographic restrictions.