Is a wholly digital platform which is designed based on new modern life-style. Blu makes it possible to do every banking process fully online through smartphone application. In simple words, Blu is a bank that is in your access, always and everywhere. However, this time, it operates without the need for branches, paper forms, or traditional processes, while also having a better understanding of customer needs. blu can perhaps be considered a new experience, free from the usual friction and complexities of traditional banks, aiming to meet the needs of today’s younger generation.
Application bank services:  Opening a bank account in less than 7 minutes;  Completely online Identity authentication and account activation in less than 2 hours;  Free card issuing;  Free deliverance of bank card to your address in less than 5 days in Tehran and less than 10 days in other parts of the country;   24/7 Support service;  Smart money transferring system;  Discount and money return when making a purchase;  Paying bills automatically;  Automatically completing planned money transfers;  Providing "box" service to save money purposefully;  Possibility of creating big box for saving money with longterm interest;  Offering the opportunity to earn money by inviting friends to Blu;  Offering debit cards in various colors;  Possibility of recharging credit SIM cards and purchasing mobile data (internet) package;  Providing a "Chipin" service for group payments;  Offering the customer, the opportunity to receive a bank loan without any checks and guarantor;  The ability to temporarily close bank account;  Equipped with all security protocols related to infrastructure systems.



Phone number: 02187641
Website: blubank.sb24.ir

Saman Kish e-Payment Company (SEP) was founded in July 2003 with the goal of offering innovative electronic payment solutions. The company focused on two key areas: credit card services and establishing a comprehensive network of credit card acceptors. In 2004, SEP secured a substantive agreement with the Central Bank of Iran and obtained its final license in September 2005. Starting its operations in March 2004, SEP became the pioneering e-payment service provider in the Iranian banking industry, offering customers convenient online payment tools.
By leveraging expert staff and cutting-edge security technologies, along with modern payment tools like credit cards, POS systems, internet gateways, and mobile platforms, the company not only delivered high-quality and reliable services but also satisfied its customers and contractors. As a result, SEP succeeded to secure a substantial share of both the micro and macro e-commerce markets along the country.
Utilizing a technology-driven framework, Saman e-Payment Company provides a diverse range of in-person and online payment solutions across various e-commerce markets. As a frontrunner, the company excels in designing and implementing e-government projects, delivering tailored solutions to large organizations and corporations.
Utilizing a technology-driven framework, Saman e-Payment Company provides a diverse range of in-person and online payment solutions across various e-commerce markets. As a frontrunner, the company excels in designing and implementing e-government projects, delivering tailored solutions to large organizations and corporations.
As one of the largest and fastest-growing members of Saman Financial Group, SEP is currently ranked 12th among the top 150 largest payment service providers in the world according to Nilson Report Magazine.
In 2018, SEP successfully offered 10% of its shares on the Tehran Stock Exchange, receiving positive feedback from capital market stakeholders. The dedicated efforts of Saman e-Payment Company’s management and executive teams resulted in the installation of over 850,000 POS terminals, services provided to more than 35,000 online credit card acceptors, over 4 million downloads of the ‘724’ application, and an active user base of more than 400,000 credit cards.


Phone number: 021 84345000
Website: www.sep.ir

 

Saman Foreign Exchange Company was established in October 2004, after obtaining necessary permits from Central Bank of Iran, with the aim of providing foreign currency services to natural persons and legal entities by focusing on three principles of speed, accuracy and reliability.
Since its foundation, Saman Foreign Exchange Company has defined foreign currency operations as one of the key components of its strategic plan and has put considerable effort in extending international transactions. Taking this viewpoint, the company sustained this important goal even when faced with severe economic sanctions. During these years, Saman Foreign Exchange Company carried out foreign currency operations in the area of import, export and currency transfer with the use of detailed plans and delivery of valuable extensive services.
Saman Foreign Exchange Company is determined to move forward in provision of currency services in international level and has expand the range of its activities by using domestic capabilities and obtaining the necessary permits. In this regard, the company enjoys the benefit of valuable experienced managers of foreign currency sector in the banking system, especially Saman Bank, as well as strategic planning for the company. Moreover, it founded think tank in order to use fundamental and complementary analyses to achieve a top rank in foreign currency market, obtain the maximum market share, and use future opportunities.
In addition to providing foreign currency services, Saman Foreign Exchange Company succeeded, in the international level, to provide facilities and tools in order to prevent potential losses and even increase profitability. The company was able to play an important role in promoting national economic activities through fully compliance with international rules and regulations, use of its professional capabilities and proper communication with Iranian large companies and groups as well as international first class banks.
Phone number:+9821-26300000 ,601,602
Website:www.se24.ir

Saman Insurance Company, established in 2005 with an initial capital of 200 billion Rials, has emerged as a prominent provider of insurance products and services in Iran. Their current capital now stands at 5,000 billion Rials. They cater clients, ranging from individuals and families to small enterprises and large corporations.
Saman Insurance Company holds licenses in the fields of life, non-life, and reinsurance from the Central Insurance of Iran. Their services are delivered directly, online, or through an extensive nationwide network of insurance agents and brokers. In 2012, they became part of the Iran Exchange market (Securities and Exchange Organization of Iran), with shareholders spanning from private individuals to major corporations.
Over their 18 years of service provision, Saman Insurance Company has consistently focused on enhancing business continuity and operational efficiency. For the past three years, they have proudly maintained the highest solvency rating (Grade 1) awarded by the Central Insurance of Iran, reflecting their sustained financial strength and success.


Insurance lines
We offer a broad array of insurance products and services, within the policy framework set forth by the Central Insurance of Iran (CII):
•Property insurance: fire, cargo, and motor.
•Personal insurance: life, health, accident, and travel.
•Liability insurance: professional indemnity, employer’s liability, and civil liability.
•Engineering insurance: contractors all risks (CAR), erection all risks (EAR), contractors equipment, and machinery breakdown.
•Specialty insurance: money, credit, oil & energy, marine hull, and aircraft.
Strategically, we have focused its sales efforts on life, health and motor insurance policies. Life insurance policies at present comprise more than 40 percent of our total sales volume.


Phone number: 021 8943
Website: www.si24.ir

About Us
Bank Saman Brokerage Company, one of the oldest brokerage firms in Iran's stock exchange, commenced its operations in the field of stock trading from the inception of the Stock Exchange Organization in 1967. Bank Saman Brokerage Company holds an official "A" rating license from the Securities and Exchange Organization, as well as the Commodity and Energy Exchanges. The company not only enjoys an excellent reputation among its clients but also strives to lead in providing innovative services by prioritizing service quality and customer satisfaction. Our services include:
- All securities transactions in the stock exchange and over-the-counter markets
- Transactions in all commodity exchange rings, futures, and energy exchanges
- Consulting services for the offering and acceptance of company shares in the stock exchange and over-the-counter markets, as well as acceptance of commodity exchange products
- Financial services, market-making, and underwriting - Establishment and management of mutual funds
Towards Digital Transformation
In 2023, Bank Saman Brokerage Company, in its journey towards digital transformation, introduced significantly different services such as instant cash withdrawal, instant credit withdrawal, and three-click registration, establishing itself as Iran's first Neobroker. The services offered by Saman Neobroker include: - Transactions in the stock exchange, commodity exchange, and energy exchange - Specialized services in marketing and market-making - Business financing (including crowdfunding, offering, acceptance, and underwriting of public companies) - Customer club services: Saman Neobroker's customer club, the first in the brokerage industry, has gained customer satisfaction through a wide range of services such as commission returns, special discounts, commission receipt from transactions, and other incentives - Various and practical educational seminars and classes at Samanbank College - Saman Neobroker, utilizing the best market specialists and analysts, strives to enable its customers to invest professionally and systematically by providing fundamental and technical analyses, global prices, latest stock market news, and other necessary information.
Products and Services
Saman Junior
Saman Junior, the first stock exchange platform for individuals under 18, provides investment and stock services for this age group. Parents can use Saman Junior to deposit into their children's exclusive stock accounts using their personal bank cards and invest on their behalf. Immediate loan services for stock trading on the child's savings are also available. Withdrawals from the Saman Junior piggy bank are simple and can be done with one click, transferring the desired amount to the child's account.
Saman Neobroker
Saman Neobroker is a special gateway for providing credit services and innovative brokerage industry services alongside common trading system services. Users can easily invest using banking resources and access their financial resources from shares and brokerage accounts anytime, anywhere. This significant advantage is offered through the unified Saman Neobroker portal, where all digital acceptance services can be completed with just a few clicks. Saman Neobroker clients can transfer their withdrawable balance to any desired bank account with one click at any time, even on holidays. Instant cash withdrawal is not limited to any specific bank card and offers higher withdrawal limits for Saman or Blue Bank cardholders.
Pulsar
One of the innovative financing tools suitable for small and medium-sized companies is crowdfunding. Crowdfunding is an easy and quick solution that has gained much popularity among investors and recipients. The crowdfunding market, with a zero-failure rate, started operating in 2020 in the OTC market and is becoming increasingly popular. Pulsar, Bank Saman Brokerage’s crowdfunding platform, operates with a license from the Crowdfunding Assessment Working Group. For more information, visit www.pulsar.ir.
Quick Registration System
The lengthy process of registration, account verification, and receiving a stock code in brokerages has been a long-standing problem for new users. Users who are not interested in the usual paperwork and have to deal with complexities like document uploading and identity verification, which sometimes take several days, are at a disadvantage in a market where decisions are made online and in seconds. In Bank Saman Brokerage's quick registration system, those registered in the Sejam system can obtain a stock code with just a few clicks by entering their national ID and mobile number. This system checks the information in a few seconds and issues the stock code without needing to upload documents or undergo additional processes.
Customer System
In Bank Saman Brokerage's customer system, all the necessary services for esteemed customers are provided, such as easy access to online trading systems, commodity exchange trading, derivative instruments trading, customer club, Saman College, instant cash withdrawal, adding bank accounts, changing the supervising broker, depositing and withdrawing funds, synchronizing information with Sejam, and a view of assets, portfolio value, and investment portfolio.
Instant Cash Withdrawal System
The instant cash withdrawal system is an innovative service for investors and economic activists, allowing them to transfer their balance in the online trading system directly to all their bank accounts instantly.
Instant Cash Withdrawal for Credit Customers
In the instant cash withdrawal plan for Saman Neobroker credit customers, for the first time in Iran's stock exchange, customers can withdraw their desired amount without repaying their entire debt, just with one click, using the advanced brokerage system.
Marketers Club
The Saman Marketers Club plan focuses on increasing customer interaction with the brokerage and creating more income for market traders. In this plan, users can register with Saman Brokerage and invite their friends using an invitation link. For every three million Tomans of trading done by the referred customers, the user receives one coin. Based on the activity index and effective daily trading volume of the subordinate customers, the number of coins that can be credited daily is calculated and credited to the Marketers Club wallet of the user.
Saman Brokerage Customer Club
Shareholders and those involved in the capital market need not only the common brokerage services but also credit, training, analysis, and consulting services. The philosophy behind the Saman Brokerage Customer Club is to meet these needs and create an environment for customer activities and request follow-ups. Besides these services, a wide range of cash and non-cash gifts are also available for members to benefit from.
Saman College
Given the importance of expanding and developing the capital market among various segments of society and the need for intelligent investment in the stock market and asset management, the training section of Bank Saman Brokerage, titled "Saman College," conducts training courses from basics to advanced levels and provides educational content on the Saman College platform as part of its social responsibility and efforts to increase awareness. Bank Saman Brokerage Company, as an executive branch of the Saman Financial Group, offers a comprehensive range of capital market services to its clients with the slogan "Being Distinctive." Website: samanbourse.ir

Iranian Credit Bureau & Scoring Company, as a member of Saman Financial Group with almost all of its shares owned by Saman Bank, started its activity in 2007 with the aim of establishing a comprehensive credit Bureau center in the country. In 2013, debt collection for Saman Bank was added to the duties of the company and in 2018 it obtained a credit rating license from National Ranking Center of Iran Chamber in two areas of “Insurance and Finance” and “Commerce”. Therefore, the company has continued its activities in three key areas of Credit Scoring, debt collection, and Credit Rating.
In addition to developing credit scoring systems for Saman Bank, which includes credit scoring of Individuals, professionals and legal entities, the company has been providing its credit scoring services to credit sales companies since 2013. Using such credit scoring services enables credit sales businesses to expand their sales and simultaneously prevent any delayed payments.
For the optimal management of debt collection, which is now provided solely to Saman Bank, a comprehensive legal system has also been developed that addresses all processes of organizing, tracking and collecting delayed payments.


Phone number: 021 22310000 -ext:5503
Website: https://www.icbs.ir/

The Saman Aftab Tejarat  Servicing Company Aftab Tejarat Saman Service Company (PJSC) was established in 2011 with the aim of providing services and human resources to enterprises and corporations. Supported by human capital (more than 500 employees) and proper equipment, the company currently provides services such as the supply of human resources required by various organizations, research in the field of market studies, specialized façade and board cleaning services, cleaning services for the equipment, buildings and offices, specialized industrial cleaning services, services required by commercial and office complexes, and ATM Bank cleaning services.
Relying on customer centricity, need recognition, high quality services, and employee knowledge improvement, the company succeeded in implementing quality management system and obtaining ISO 9001: 2015 certification, obtaining the International Award of MTP-Services from ICS Institute of the European Union, being selected in the Iranian Economic Leaders Conference for providing high quality modern services and using information technology.
Phone number: 021 88807698
Website: www.aftabts.com

Kardan Investment Bank obtained license from Securities and Exchange Organization and was established in January 2014 by both Tejarat and Saman Banks, each possessing 50% of the shares, with initial investment of IRR 2000 billion.
Along with outstanding Investment bankers and colleagues, Kardan Investment Bank has proved its innovation and dynamism in implementing numerous projects. Despite its short history compared to other investment banks in Iran, this company has been able to compete in all specialized fields of industry as one of the leading companies and in this regard considers fairness and professional ethics while fully satisfying customers by offering them maximum benefits.
The company provides investment banking services such as underwriting for the securities of all types, minimum interest rate guarantee for securities, Public listing and IPO, deal structuring, designing structured tools, establishment of lands and buildings funds for construction projects, establishment of investment funds, project-based financing and establishment of private equity funds.
kardan Serving as a market maker to provide liquidity for a tradable asset such as debt securities , stock shares and investment units of various investment fund.
In the field of asset management, Kardan acts as manager to mutual funds, lands and buildings funds, Reit’s, project funds, private equity funds, retirement funds and investor’s portfolios
In the area of financial advisory the company offers services including fund raising, valuation of equity and debt securities, Merger and acquisition, comprehensive due diligence, and capital restructuring.
wealth management, risk management, business process administration and documentation are the services provided in the field of consultancy.

With over 10 years of experience in the field of communications and information technology, Kish Cell Pars Company (Samantel) succeeded to obtain Mobile Virtual Network Operator (MVNO) License from Communications Regulatory Authority in September 2016. In November 2017, the company also received from Communications Regulatory Authority the license for provision of fixed communications services (Servco).
Samantel works in the field of mobile communication services as one of the brands of Kish Cell Pars Company and member of Saman Financial Group. The company provides all mobile communication services such as SIM Cards with gold and silver numbers, value added services in mobile communications area, enterprise mobile services for management of communications and communication costs of employees, and other available services related to MVNO.
The company provides financing services such as admission to stock exchange listing and OTC, designing transaction plans and structured tools, establishment of lands and buildings funds for construction projects, establishment of investment funds, project-based investments, and establishment of private funds for OTC investment.
Maniz Mobile Wallet is another product offered by the company that uses Samantel's existing communications services platform and is supported by Saman Bank as one of the shareholders of Kish Cell Pars Company. Maniz Mobile Wallet, developed jointly by Samantel and Saman Bank, provides banking and payment transaction services.
Phone number: 021 87640
Website: www.samantel.ir

Saman Processing Company was founded in 2010 by Saman Financial Group. In the beginning of its activity, the company bought Tondar Noor Software Company in order to take advantage of professional experience of experts in the field of information technology. Tondar Noor is an old company which is active in the field of hardware and software of smart card systems, POSs, ATMs and various banking products. Using experienced, innovative and efficient employees, the company improved its potential in development of e-banking and related products. Saman Processing Company is a member of High Council of Informatics with more than nine systems technically approved by the said council.
Currently Saman Processing Company offers services and products in the areas of banking, capital market and insurance, banking value added services, product support services, e-commerce, business intelligence and data mining.
Banking software products and services are delivered in all three levels of front end, middle ware and back end. The layered architecture of company products enables banks and financial and credit institutions to customize them in the shortest time possible. The products provided by Saman Processing Company can be classified into customer service provision (B2C), large businesses (B2B), employees in the offices and headquarters (B2E), communications with Central Bank of Iran and Government (B2G), data mining and localization.
Phone number: 021 88838000
Website: www.samanpr.ir

Tonder Noor(Thunder Light) Software Company (Private Joint Stock) is established in February 1994 with the aim of meeting the specialized hardware and software needs of smart card systems, POS terminals, kiosks, ATMs, and other payment and banking products. This company received the certification of knowledge-based companies from the Vice Presidency for Science and Technology in December 2020 and started its POS terminals production plant in Pardis Science and Technology Park in December 2021.
Tonder Noor has over 20 years of experience in the specialized repair of multiple brands of POS terminals such as Newland, Pax, Verifone, Bitel, Ingenico, Talento, and Sagem, and can be confidently considered the only company with the ability to repair this many number of brands. Having different levels of quality control and repeating it on 24 and 48-hour schedules has resulted in a 99.9% healthy output, which has led to the satisfaction of all customers of the company.
In line with the progress in the banking and payment industry in the country, Tonder Noor Software Company has taken steps to supply and support electronic payment equipment. Considering the growing expansion of electronic payment devices, the company, with the use of a specialized and experienced staff, provides innovative and diverse services to its customers in a specialized manner. Among the essential activities of this company, one can refer to the production and sale of multi-purpose banking and payment kiosks and Newland-branded banking POS terminals.
Tonder Noor Company has so far repaired more than 700,000 POS terminals from leading brands and manufactured and sold more than 1 million POS terminals and more than two hundred banking kiosks.
Phone number: 021 77444464
Website: www.thunder-light.com