The Bank Melli app will not connect from outside Iran because your IP is foreign, not because your account is wrong. A real Iranian IP makes the connection look domestic, and the same app you always used starts working again.
Sign in, check balances, read statements and make transfers — exactly as it works inside Iran.
Shetab transfers, bill payments and mobile top-ups from inside the Bank Melli app.
A second layer of encryption on top of the bank’s own TLS. We do not log where you connect.
The problem is almost never your account. Bank Melli Iran's systems — internet banking, the Hamrah Bank Melli mobile app, and the payment gateways wired into them — are configured to serve only requests that arrive from inside Iran's network. Connect from Germany, Canada or the UAE and your request is refused before anyone looks at your national ID or password.
That is why the symptoms are so unhelpful: the app hangs on its splash screen, or returns a generic “connection error”, or the internet-banking page loads forever. None of that says “you are outside Iran” — but that is exactly what happened.
For Bank Melli customers this tends to bite harder than most, because the bank handles a large share of state payments: pensions, Sahame Edalat dividends, subsidies and many government receipts pass through Melli accounts. If you have family in Iran or a pension to keep track of, losing access is more than an annoyance.
Route through a real Iranian IP address and the bank's servers treat the connection as domestic. The everyday things start working again:
Bank Melli's servers are slow at peak hours even inside Iran, so do not conclude it failed if the first attempt drags. Try once more.
To be straight with you, an Iran IP is only one of the three things the bank checks:
If the system loads but rejects your credentials, that is an account problem rather than a network one, and it has to be settled with Bank Melli directly.
Yes, and it is protected twice over. The Bank Melli app already encrypts its traffic with TLS and pins its certificates; the VPN adds a second layer of encryption between your device and our servers. We do not log the sites and services you reach, your DNS queries, or the content of your traffic — the full detail is in our Privacy Policy.
One practical note: Iranian banks sometimes flag a sign-in from an unfamiliar IP and ask for an extra verification code. That is ordinary security behaviour, not a sign that something is wrong.
IP blocking works identically across Iran's banking network, so the same fix applies to Bank Mellat, Bank Saderat, Blu Bank, Pasargad, Saman, Tejarat, Sepah, Refah, Ayandeh and Parsian. For the overview, see Hamrah Bank from abroad and Iran IP for banking.
Because Bank Melli’s systems only serve IP addresses inside Iran. Your request is refused before it reaches the sign-in screen, which is why the errors are so vague — a connection error, a stuck splash screen, or an endless load. With an Iran IP the same app connects with no changes at all.
For most operations, yes. One-time passwords and activation codes are sent by SMS to the Iranian number registered in your name, and SMS runs over the mobile network rather than the internet, so a VPN cannot substitute for it. Keep the SIM reachable through roaming or a dual-SIM phone. If in-app dynamic passwords are enabled on your account, the SMS dependency drops sharply.
Yes. Once the connection runs through an Iran IP your Melli account opens normally and you can see the deposits. We have a separate page for the Sahame Edalat portal itself.
Connect first, then open the app. Banking apps cache a failed connection state; if the app was open while you connected, close it fully — not just to the background — and reopen it.
Yes. The banking app encrypts its own traffic and pins its certificates, and the VPN adds another layer of encryption. We log neither the destinations you connect to nor the content of your traffic.
Banks sometimes ask for an extra verification code when you sign in from an unfamiliar device or IP. That is normal security behaviour. Enter the code and the sign-in completes; there is no need to call the bank unless the account is genuinely locked.
Free to start — connect on mobile or desktop in under a minute.
