Living in Iran, I’ve seen how mobile payment apps in Iran are transforming the way we handle transactions. As we look ahead to 2026, these apps have become essential tools for managing finances, allowing users to make purchases, pay bills, and transfer money with ease.
In this article, I’ll share my top ten mobile payment apps that have gained popularity across the country. Each app offers unique features and advantages, tailored to meet the diverse needs of users. Whether you’re a local resident or just visiting, these apps can significantly enhance your financial interactions. Let’s explore the best options available!
1. Wise
Need a payment app that’s fast, affordable, and works seamlessly in Iran? Wise is your answer. With Wise, I can send money to over 70 countries, including Iran, at the real mid-market exchange rate—no hidden fees or unfair markups. You’ll love its multi-currency account, which lets you hold, convert, and manage 40+ currencies effortlessly. The Wise debit card also makes spending abroad simple and cost-effective. Whether you’re supporting family, paying bills, or handling international transactions, Wise ensures your money moves securely and efficiently. Join millions of users and experience why Wise is the leader in global payments.
2. My ZarinPal
My ZarinPal is a very popular Iranian mobile payment app that was designed to enable safe and simple electronic payments. It is a great app for merchants who are looking for an app to set up payment options in Iran. Moreover, My ZarinPal also allows consumers to enjoy many incredible features that include paying on the internet, making in-app purchases and transferring money nationwide.
3. TOBANK
TOBANK is an app from Tourism Bank that enables you to facilitate all your digital payment and banking activities through your phone. It is a feature-packed payment app that works like a digital wallet, allowing you to pay and transfer money at will. Using TOBANK you can make digital payments, order gift cards, make vehicle payments and utility bills and a lot more. Additionally, users can also buy travel insurance through this app.
4. Hamrah Card
Hamrah Card app is one of the most used mobile payment apps in Iran with more than 16 million users. It is a card-based mobile payment app that links a virtual card to your app and starts making transactions. Using this app, you can make day-to-day payments, pay bills and fees, make card-to-card transfers, recharge your phone, and much more. Moreover, it is also supported by 32 Iranian banks and charity payments are also available.
5. AP – Asan Pardakht
Launched by Mahdi Shahidi, AP – Asan Pardakht is an easy-to-use payment app in Iran. This digital wallet app features all the services offered by a conventional digital wallet, making it one of the best mobile payment apps in Iran. Some of its best features include scanning barcodes to make payments or bills, keeping track of your transactions, and paying utility bills. Furthermore, AP – Asan Pardakht also enables users to donate to charity directly from their phones.
6. EWANO
EWANO is a mobile payment app released by DigitalMCI, which specializes in offering multiple payment options. It is one of the most comprehensive payment apps in Iran which allows users to make a wide range of payments and transfers. In Iran, EWANO is popular for services like QR code payments, package purchases, wallet transfers and card-to-card transfers. Additionally, you can also top up your phone and pay your bills using the EWANO app.
7. Sekeh
Sekeh is a widely-used all-in-one mobile payment and digital wallet app in Iran. Use this app to manage your cards, to facilitate your payments and handle hotel bookings. Use Sekeh’s wallet account to make payments and transfers with ease at anytime. Furthermore, Sekeh allows users to make loan payments and card bills, as well as, invest in the stock market. Additionally, Sekeh can be used to pay bills or mobile phone fees using a smartphone.
8. My Digipay
My Digipay is an all-in-one payment solution app designed by the Iranian FinTech company Digipay Company. Use My Digipay to make P2P payments via QR codes at merchant locations or to pay toll fines. Moreover, it allows users to pay mobile or utility bills and keep track of all their transactions. However, one of its best-known features is card-to-card transfers that are supported by most major Iranian banks.
9. Toman
Toman is a very innovative online mobile payment app that was designed to facilitate all sorts of payments in a convenient manner. Paying with cash or finding ATMs nearby can become a challenge at times. That is where Toman app comes in, allowing you to make payments easily. You can add money to your Toman wallet from credit or debit cards, and make payments anywhere in Iran. In-store and taxi payments are two of the most popular functions of Toman.
10. Irancell Digital Wallet
Irancell is one of the most renowned mobile service operators in Iran, and their digital wallet app makes payments simple and secure. It is a specialized digital wallet app that focuses on in-app purchases and payments. Use Irancell Digital Wallet to make payments in Bazik app and Charkhoneh app, as well as to recharge your phone.
11. 724
724 is a mobile payment app launched by Iranian payment company, Saman Electronic Payment. This mobile payment app comes with a digital wallet that allows you to facilitate your daily transactions and purchases through your phone. Making payments through barcodes, utility bill payments, mobile top-ups are some of its well-known services. Other features include, charity donations and paying insurance bill.
Iran has a wide range of mobile payment apps that may differ from one another in terms of services provided and functionality. Suppose, the best apps for merchants to run their businesses are, My ZarinPal and TOBANK. However, the best apps for consumers to pay bills and make purchases are EWANO, My Digipay and Sekeh.
