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Express money transfer system Unistream


Express money transfer system

Unistream international money transfer system is the most popular in Russia and CIS countries. The service network includes above 300 000 service points in over 100 countries worldwide. IDBank and Unistream international money transfer system together offer Cash2Card service to customers, with which a transfer can be made through the card number. Anyone can make a  transfer via Unistream, specifying the name of the receiver, surname and the card number, and the recipient can get the amount onto his/her card instantly.

  • Comission
    0.5% - 1.5%
  • Currency
    Maximum limit
    Armenian drams equal to 900 000 RUB, USD 20 000, EUR 15 000, 900 000 RUB
  • Maximum time
    5-10 minutes

The page was updated 16.07.2019 16:24


Express money transfer system

General terms and rates

Information to be presented by the person making transfer

  • ID document*
  • Transfer application in the form approved by the system,
  • Тhe country and the city where the funds are transferred to.
  • Тhe amount and the fee
  • Name, last name, (patronymic, if mentioned in the passport) of the beneficiary

The Bank must provide the Client with transfer receipt for each transaction.

Information to be provided by the beneficiary client

  • ID document,
  • Unique code of the transfer
  • Name, last name of the sender,
  • the amount and currency of the transferred amount,
  • Application to receive the transfer in the form approved by the system.

Currency of transfer

US dollar, Russian RUB, EUR

Foreign currency can be exchanged upon necessity, at the rate applicable by the Bank on the given date. 

Currency of the receipt

Armenian drams, US dollar, Russian RUB, EUR

Foreign currency can be exchanged upon necessity, at the rate applicable by the Bank on the given date.

Transfer speed

5-10 minutes

Maximum limit of a single transfer

USD 20 000, EUR 15 000, RUB 900 000, AMD equal to RUB 900 000

Options and general terms of making money transfers through
Unistream payment system

Transfers through Unistream transfer system are made on both no –address and address-based basis. For no-address transfers the beneficiary can receive the money at any Unistream service point, irrespectively of destination. For address-based basis transfers the beneficiary should receive the money from the service point specified by the sender.

Commission fee for transfers to Russian Federation is 1% of the transferred amount, to other CIS countries – 1.5 %.
Commissions for transfers to Europe, Asia, Pacific region and other countries are stipulated by the system, depending on the country. 
Commission for transfers within the Republic of Armenia through Unistream system (in USD, EUR, RUB) is 0.6%.

0% commission is charged on no -address transfers in Armenian drams made from RA to CIS countries, including Georgia, in case of receiving the transfer in such countries in other currencies (e.g. USD, EUR, RUB, etc.) 

The commission is charged from the sender only, in AMD, at the rate established by the CBA for the given day.


Transfers through Unistream transfer system are made to Russia, CIS countries, Near and Far foreign countries.

Change of requisites of the transfer

Requisites shall be changed on the day of submitting application on change of requisites; no commission is charged for the change. To effect the change of requisites the sender must submit written application and his/her ID document to the service point where the transfer was made from.

Change of requisites is executed in order established by the system.

Only unpaid transfers can be changed.

Transfer cancellation **

The transfer can be cancelled on the same day of submitting application on the basis of cancellation request submitted by the sender and his/her passport details; no additional fee is charged; with the return of the transferred amount and the commission.

Only unpaid transfers can be cancelled.

Call back of the transfer

No additional fee is charged; calling back of the full amount is effected on the basis of call back request and passport details of the sender. Return is executed within one banking day.

Commission is not refunded.

Only unpaid transfer should be returned.

Limitation period of the transfer

30 days    

* The list of ID documents is determined by decision N 767 of the RA Government  of December 22,  1999.

** Only details of the beneficiary can be changed.

You can visit any branch or the head office of "ID Bank" CJSC to make money transfers through Unistream system.

ՀVisit  www. to get more information on the service points, rates and other details of the system.

Physical persons may make money transfers through Unistream system for non-commercial purposes.

The Bank offers other money transfer systems, such as: Inteliexpress,Sigue Money Transfer,  Ria Money Transfer, Converse Transfer, MoneyGram, Moneytun.

Terms for Cash2card transfers


Cards issued by the banks of Russia

Cards issued by other countries*

Commission for the transfer


(but not less than USD/EUR, 100RUB)


(but not less than 5 USD/EUR, 100 RUB, 1000 AMD)

Maximum amount for a single transfer

75 000 RUB

2 500 USD / 1 700 EUR

Maximum quantity of the transfers


5 transfers during one day

Currency of the transfer– Currency of the receipt






* For exceptions, visit: .

The page was updated 17.07.2019 13:41
Documents to be presented by the sender and the beneficiary to make and receive transfers through Unistream  express money transfer system

  • ID document

The page was updated 20.11.2017 17:58
Attention: The Bank does not bear any responsibility for the inaccuracy of information on the linked web sites, nor does it accept any responsibility for the advertisements therein or possible consequences arising out of use of information provided on the linked web-sites. In case of any discrepancies in the website materials in Armenian, Russian and English languages, the Armenian version is prevailing.