MobiDram – E-wallet and Viva Mobile Payments in Armenia
Explore MobiDram features: utility payments, USSD commands for non-smartphones, and international transfers. Guide to Viva's financial ecosystem on AFM.
Services and fees — Mobidram
available only with verification
available only with verification
available only with verification
available only with verification
available only with verification
News about loans
| Parameter | Value |
|---|---|
| Platform | MobiDram CJSC (Viva / Viva-MTS ecosystem) |
| Supported cards | Bank cards – Visa, Mastercard, ArCa |
| Number of services | Around 50+ services |
| Branch network | 25+ branches in Viva service centers |
| Terminals | Payment terminals + USSD command support |
| CBA license | Electronic money issuance authorization (2012) |
| Electronic money launch year | 2012 |
| Mobile application | iOS and Android |
-
Mobile service payments
The wallet supports payments for all major telecom operators – Viva, Team, and Ucom, as well as payments for internet and cable television services. Users can also make online utility payments, including electricity bills, waste collection payments, and other services.
-
Viva subscribers
MobiDram is integrated with the Viva telecom ecosystem, and wallet top-ups and support services are available in more than 25 Viva service centers.
-
Users without smartphones
The service supports USSD commands, allowing users to perform financial operations even on basic feature phones without internet access.
-
International transfers
Through a money transfer system, users can send funds from Armenia to Russia and other countries, with commissions starting from approximately 1%.
| Pros | Cons |
|---|---|
| Supports mobile payments for all operators | Limited service catalog (around 50+) |
| USSD payments available without a smartphone | No NFC payments |
| Integration with Viva service centers | No bonus program or cashback |
| Ability to send international transfers | No online lending or installment services |
| QR payments supported through the JustQR system | Fewer additional features compared to larger wallets |
How can I register in MobiDram?
Download the MobiDram app on iOS or Android, register using your phone number, and confirm it via an SMS verification code. Identity verification may be required for certain financial operations.
Can MobiDram be used without a smartphone?
Yes. The service supports USSD commands, which allow users to perform payments and transfers even on basic feature phones without internet access.
How can I top up the MobiDram wallet?
You can add funds using a bank card, through payment terminals, or in cash at Viva service centers.
Can utility bills be paid through MobiDram?
Yes. The app allows users to pay utility bills online, including electricity, gas, water, and waste collection services.
Can money be transferred to a bank card?
Yes. Users can transfer funds to bank cards after completing identity verification. The commission is approximately 0.55%.
Does MobiDram support international transfers?
Yes. The service allows users to send international money transfers, including transfers to Russia and other countries.
