Iran · Banking & Payments

Hamrah Bam (Bank Melli Iran)

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.

What it helps with

Banking in IranTransfers and bills.
Card-to-card transfersInstant.
Paying billsIn the app.

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.

Before you use it

Sign-up: Foreign residents can open a Bank Melli account with a passport, valid residence and a FIDA number.
Payment: Foreign bank cards do not work in Iran because of sanctions; payments use Iranian Shetab cards or cash.

Local number needed Local ID needed

Frequently Asked Questions

Does Hamrah Bam (Bank Melli Iran) work with a foreign bank card in Iran?: Not reliably - a foreign card may be declined. Check the notice above, or plan to use a local payment method.
Is Hamrah Bam (Bank Melli Iran) available in English?: Not officially - the interface is mainly in the local language.
Do I need a local phone number to use Hamrah Bam (Bank Melli Iran)?: Yes, Hamrah Bam (Bank Melli Iran) requires a local phone number to register.
Do I need local ID or residency for Hamrah Bam (Bank Melli Iran)?: Yes, Hamrah Bam (Bank Melli Iran) requires local ID or residency status.
Where can I use Hamrah Bam (Bank Melli Iran)?: iOS · Android
How much does Hamrah Bam (Bank Melli Iran) cost?: Free app; fees per bank tariff