Hamrah Bank Mellat and Mellat internet banking will not open from outside Iran, because the server rejects your IP before it ever sees your password. A real Iranian IP removes that barrier.
Sign in, balances, statements and transfers — as it works inside Iran.
Deposits into and withdrawals from your brokerage account, alongside the trading platforms and Sejam.
Encryption on top of encryption. We do not log the sites you open.
Both the Hamrah Bank Mellat app and Mellat internet banking sit behind a geographic filter. The server checks where the request came from before it asks for your username; if the IP is outside Iran, the connection ends there. That is why a correct password, a valid card and an active account make no difference.
The symptoms differ depending on whether you use the app or a browser. In the app you usually get an endless loading spinner or a “cannot reach server” message. In a browser the sign-in page sometimes half-renders — some of the styling comes from a CDN that is not blocked — but the moment you press sign in, it stops.
Bank Mellat is one of the most widely used banks for salary accounts, business accounts and especially the capital market. If you hold a trading code, settlement, deposits into your brokerage account and withdrawals out of it typically run through an Iranian bank account like Mellat. When the bank will not open from abroad, you do not just lose sight of a balance — the whole trading cycle stalls.
The same applies if you run a business in Iran, or have a tenant paying rent by card-to-card: without account access you are effectively blind.
If you are using a browser, do one hard refresh before retrying (Ctrl+Shift+R, or Cmd+Shift+R on Mac). Browsers sometimes cache the failed version of the sign-in page.
The Mellat app encrypts its traffic with TLS, and the VPN wraps a second encrypted tunnel around it. We keep no logs of the sites you visit, your DNS queries or the content of your traffic — the detail is in our Privacy Policy.
The bank may check a sign-in from a new IP once with an extra verification code. That is normal.
The same method works for Bank Melli, Bank Saderat, Blu Bank and the rest of Iran's banks. For the overview, see Hamrah Bank from abroad.
Mellat’s servers check where the request came from before the sign-in page and refuse IP addresses outside Iran. That is why the error is vague and has nothing to do with whether your password is right. With an Iran IP the app connects normally.
With an Iran IP, yes — both the bank gateway and the trading platform open. Note that the dynamic second password is still required, and if it is set to SMS you will need an Iranian SIM.
If you have enabled Mellat’s in-app password generator, the dynamic password is produced on the phone itself and no SMS is involved. Turning that on before you leave Iran is the single most useful preparation. If you have not enabled it already, activation usually needs one confirmation SMS.
Both work with an Iran IP. The app is usually more stable; the browser is easier for larger transfers and administrative tasks. If the sign-in page renders only partially in a browser, do one hard refresh.
Yes. The bank’s own encryption is untouched and the VPN adds a layer on top of it. We do not log your connection destinations or the content of your traffic.
Free to start — on mobile and desktop, in under a minute.
