MobiDram

MobiDram Overview: Around 50 services, Viva integration, and USSD payment support. Manage your mobile balance, utility bills, and transfers in a single app—even without an internet connection.

Mobidram

Services and fees — Mobidram

Top-up at a branch
commission-free

Viva-MTS branches

Cash top-up via a terminal
commission-free

Bank card top-up
commission-free

MobidramMobidram
3.5
3.7
Download app

Other digital wallets

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
Central Bank of Armenia license №15, 14.10.2011
Digital 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
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

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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%.

  6. Does MobiDram support international transfers?

    Yes. The service allows users to send international money transfers, including transfers to Russia and other countries.

Digital wallets sector experts

Svetlana Khachatryan
Svetlana Khachatryan
Head of the product cluster at AFM

Responsible for updating and expert evaluation of products on the website – analyzes bank offers and defines comparison standards.