Armenia · Banking & Payments

Idram

Idram is Armenia's leading e-wallet, combined with IDBank in the Idram & IDBank app: QR and NFC payments, free transfers between users and more than 300 bill payments.

What it helps with

Paying by QR in shopsWidely accepted in Armenia.
Paying utility billsMore than 300 services.
Sending money to friendsFree inside Idram.

About Idram:

You can register a free wallet in the app and link ArCa, Visa, Mastercard or Amex cards to pay and transfer. Utilities, mobile and internet bills, taxes and fines are paid in the app; transfers inside the system have no commission. Customers can also open IDBank accounts, deposits and cards remotely. The app is in Armenian, English and Russian.

Key Features:

QR and NFC: Pay at shops that accept Idram.
Free transfers: 0% between Idram users.
300+ bill payments: Utilities, mobile, taxes, fines.
Linked cards: ArCa, Visa, Mastercard, Amex.

How to Get Started:

Install Idram & IDBank and register with your phone number.
Link a bank card or top up the wallet.
Scan a shop's QR code or send money by phone number.
Pay bills from the payments section.

Before you use it

Sign-up: Use an Armenian SIM to register: the confirmation code is sent by SMS.
Payment: A foreign Visa or Mastercard can be linked to top up the wallet and pay.

Foreign card OK English available Local number needed

Frequently Asked Questions

Does Idram work with a foreign bank card in Armenia?: Yes - Idram accepts foreign-issued cards in Armenia.
Is Idram available in English?: Yes, Idram has an English-language interface.
Do I need a local phone number to use Idram?: Yes, Idram requires a local phone number to register.
Do I need local ID or residency for Idram?: No, Idram doesn't require local ID or residency for visitors.
Where can I use Idram?: iOS · Android · Web
How much does Idram cost?: Free wallet; transfers within Idram 0%