Dima is the digital banking neobank of Bank Mellat, offering fully non-presence account opening, online card issuance, fund transfers, cheque management, and digital loans through a mobile app. It is positioned as Bank Mellat's AI-powered digital banking channel for retail customers.
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Decision snapshot
What it is (company disclosed)
Dima, which the company expands as Digital Bank Mellat Iran, is described on its own site as Bank Mellat's official platform for fast, secure and integrated banking, covering remote account opening, everyday banking, lending and an assistant, in a single application and without a branch visit.
Company site read 20 September 2026Company disclosed
Every field carries an explicit evidence state and its source. Self-reported figures are labelled as such; nothing is presented with more certainty than its source supports.
Business model & group
Lending set, including a 50 million toman guarantor-free microloan (company disclosed)Company site read 20 September 2026Company disclosed
The company publishes four credit lines in the app: a microloan of up to 50 million toman with no guarantor, granted in minutes; Nik Vam, sized on the customer's Nik account score; DimaPay credit for instalment purchases; and organisational facilities.
Dima, home page, facilities section ↗ · retrieved 2026-09-20The ceiling is the fact worth carrying. An unsecured consumer loan marketed as a headline product tops out at 50 million toman, which is the scale at which Iranian retail credit operates. No dollar figure is given: a current ceiling is not converted at a current rate.
Assistant that executes transactions on voice or text command (company disclosed)Company site read 20 September 2026Company disclosed
The company states that Dima carries an assistant which answers banking questions and carries out financial transactions on a spoken or written command, available around the clock.
Dima, home page, "Dima smart assistant" section ↗ · retrieved 2026-09-20Executing a transaction on a voice command, rather than answering questions about one, is the claim. It is the company's own and is untested here.
Eligibility and distribution channels (company disclosed)Company site read 20 September 2026Company disclosed
The FAQ states that registration and identity verification are required even of existing Bank Mellat customers who already use the Hamrah Bank and MegaBank apps, that a new customer registers with national code, date of birth and a mobile number in their own name, and that use is currently limited to people over 18. Six distribution channels are published: Android, iOS, a direct download link, Cafe Bazaar, Myket and a web version.
Dima, home page, FAQ and download section ↗ · retrieved 2026-09-20The over-18 limit is worth holding against Pasargad's Zipad and Mehr Iran's QKids, which are the same registry's under-18 channels.
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Registered entity
Entity notesAdded 2026-07-29 after Mehdi flagged Bank Mellat was missing entirely from the bank-brand count. Confirmed via Cafe Bazaar listing (com.bmelat.mobile, "دیما | دیجیتال بانک ملت ایران") and sibche.com coverage of Bank Mellat's neobank apps. Bank Mellat's plain internet-banking app ("Hamrah Bank Mellat", com.pmb.mobile) is NOT counted as a separate brand, same treatment as Pasargad's ViBank.
Evidence & verification
Verification tierReported, single public source
Registry identifiersWithheld for compliance
Fields on this profile derive from linked public sources or the official company registry; unknown values stay blank rather than guessed, and estimates are always labelled. How we verify →
Registry check on Dima: legal entity, capital, board and managing director from the Official Gazette. USD 750, three working days. Full dossier with audited figures, competitors and risks: USD 3,000, five working days.
