You open Hamrah Bank Melli, Hamrah Bank Mellat or Saderat's app outside Iran and it stalls on the loading screen or throws a vague network error. Nothing is wrong with your account — the app is refusing your foreign IP address. An Iranian IP makes it behave exactly as it does in Tehran.
Mobile banking apps are blocked the same way bank websites are. Connect first and the app's own traffic leaves your phone with an Iranian IP.
Melli, Mellat, Saderat, Pasargad, Saman, Tejarat, Sepah, Refah, Ayandeh, Parsian — one block, one fix.
The banking app encrypts its own session; the VPN wraps it in a second encrypted layer. We log neither where you connect nor what you send.
Iranian banks host their mobile banking back ends inside the country and limit them to domestic IP ranges — partly for fraud control, partly because of regulation. The check runs before authentication, which is why you never even reach a wrong-password message. The app simply cannot reach its own server, so it reports a network problem instead.
This is the same restriction that stops the bank's website from loading, which is covered in our Iran IP for banking guide. The apps are just more confusing about it: a browser shows a timeout, while an app shows a spinner that never resolves.
Once your phone routes through an Iranian IP address, the bank's server sees an ordinary domestic connection. In practice that restores:
We would rather set expectations properly than have you download the app and be disappointed:
The order matters. Banking apps often cache the fact that they failed to reach the network, so an app that was already open when you connected may keep showing the old error until it is restarted.
Check that the VPN really is connected and that your phone is not routing the bank app around it — some Android builds have a per-app battery or data saver that interferes. If the app now loads but rejects your credentials, that is a banking issue rather than a network one, and your branch or the bank's own support line is the right place to go. For anything on our side, our Telegram support answers in Persian.
Almost always because of the IP address, not your account. Iranian mobile banking apps talk to servers that only accept domestic IP ranges, so from abroad the app hangs on the splash screen or returns a generic network error. With an Iranian IP the same app connects normally.
The IP block works the same way for every Iranian bank, so the fix is the same across Bank Melli, Mellat, Saderat, Pasargad, Saman, Tejarat, Sepah, Refah, Ayandeh and Parsian. Anything that failed purely because your connection came from outside Iran will open once your traffic carries an Iranian IP.
For most banks, yes — activation codes and one-time passwords are sent by SMS to the Iranian number on file, and that is a separate system from the IP block. Keep the SIM reachable via roaming or a dual-SIM phone. Some banks let you switch to an in-app token (رمز پویا) instead, which removes the SMS dependency entirely.
Connect first, then open the app. Some banking apps cache a failed connection state, so if the app was already open when you connected, close it fully and reopen it.
Yes. The app already encrypts its own traffic and pins its certificates; the VPN adds a second encrypted layer between your phone and our servers. We keep no logs of the services you connect to or the content of your traffic — see the Privacy Policy.
Free to start — connected in under a minute on Android and iPhone.
