OmidBank

The published banking set covers remote identity verification and deposit opening in under five minutes, balance and statement views across Bank Sepah and OmidBank deposits, smart transfer by Pol, Paya and Satna and card to card across the Shetab network, IBAN conversion, card issuance and replacement delivered to a chosen address, first and dynamic password management, online facility application and instalment management, a points ledger with transfer of points to others, credit assessment through the Iranian credit inquiry and a Bank Sepah advanced inquiry, and a guarantees view.

Lending runs through two schemes, Omid Zarrin and Negin Omid, sized on the average balance of the customer's deposit. The site's own calculator offers deposit terms from 1 to 18 months, repayment terms of 12, 24, 36, 48 or 60 months, and a loan fee of 0, 2 or 4 percent, with the deposit amount entered in rial.

Alongside banking the app publishes a wide non-banking layer: fixed-income and equity funds, a gold-coin commodity fund, a crowdfunding channel, and Almas Omid, described as an investment token backed by real diamond whose price is calculated in dollars against the global price; insurance comparison and purchase; domestic and international flights, hotels and tours; a police desk for traffic fines, licence penalty points, active plate status and passport inquiry; a health desk covering appointments, pharmacy, nutrition, nursing and medical equipment; and career and skills counselling with self-employment facilities available up to five years after the end of military service.