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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

by Decision No 399-Լ of the
Management Board of “IDBank” CJSC as of September 19, 2019
Enters into force starting September 23, 2019

The terms mentioned in the bulletin may have been amended.
If you are looking through the bulletin on the website of the Bank, please pay attention to the action date of the bulletin.
If you are looking through the bulletin in a paper form, please visit the Bank’s website:, for detailed information (paying attention to the action date of the bulletin), apply to any branch of the Bank or call the Bank’s Call center: 010 593333 or 060 273333.

Data to be provided by the initiator of money transfer

· ID document*
· Transfer application in the form verified by the system
· The name of the country and the city to which the money should be transferred
· Amount and commission fee
· Full name (name, last name, patronymic) of the beneficiary as given in the passport

The Bank shall provide the receipt to the customer for each executed transfer

Data to be provided by the beneficiary of the money transfer **

  • ID document*
  • Unique transfer code
  • Name, last name of the sender,
  • The amount and currency of the transfer
  • Receipt application in the form verified by the system

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

** The Bank can claim additional documents and information on the basis of   “Know your Customer” principle for the purpose of due diligence to be conducted under the RA Law “On anti-money laundering and counter terrorism financing”.

Transfer currency


Foreign currency exchange is available upon necessity at the rates applicable by the Bank as of the given date

Receipt currency


Foreign currency exchange is available upon necessity at the rates applicable by the Bank as of the given date

Transfer speed

5-10 minutes

Maximum amount per transfer

USD 20 000, EUR 15 000, RUB 900 000, AMD equivalent RUB 900 000


·         Fee for transfers to the 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.)



Cards issued by the RF banks

Cards issued by the banks of other countries 

Transfer fee

0,1%(no less than USD/EUR, 100RUB)

1.5%(no less than 5 USD/EUR, 100 RUB, 1000 AMD)

Maximum amount per transfer

75 000 RUB

2 500 USD / 1 700 EUR

Maximum number of transfres


5 transfers per day

Transfer currency – Receipt currency






· Transfers made through Unistream Transfer payment system are on no address basis

· The beneficiary can receive the transfer at any service center of Unistream system

· The fee is charged from the sender only, in Armenian drams at the rate of the Central Bank of RA as of the given date


Transfers through Unistream payment system are available in RF, CIS countries, near and far abroad

Change of requisites of the transfer

· Requisites are changed on the day of submitting application on change of requisites on the basis of written application and ID document from the service center from which the transfer was executed; with no commission.

· Change of requisites is executed in procedure established by the system.
· Data of the beneficiary (name, last   name, patronymic) can be changed only.

· Only unpaid transfers can be changed.

Cancelling the transfer

· Transfer can be cancelled on the day of application, without additional fees, on the basis of cancellation application and passport details, submitted by the sender on the same day when the transfer was effected; both the transferred amount and the commission are subject to return.

· Only unpaid transfers can be cancelled


· Calling back of the full amount is effected on the basis of calling back request submitted by the customer in written form within one banking day or later

· Return of the fee is effected by the system depending on the reason

· Only unpaid transfers can be returned.

Expiration date of the transfer

30 days

Transfers through Unistream Transfer system can be made from any branch of “ID Bank” CJSC  

Procedures (like reimbursement of loss), terms and the scope of responsibility applicable for delay of the payment or the transfer, non-fulfillment or partial fulfillment of payment obligations by the financial institution, as well as the terms for appealing payments and (or) transfers made by the consumer, the procedures applicable to appeal, and the manner and means of their application by the consumer, are available:

Detailed information on the system is available:

The Bank also offers other money transfer systems, such as Ria Money Transfer, Converse Transfer, Unistream, Moneytun, Telcell Transfer, MoneyGram


The page was updated 05.05.2021 15:44
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.