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The 'Hesam' System Has Not Yet Been Activated / Spontaneous Activation of Dormant Accounts by Banks!

Sep 27, 2026 September 27, 2026 1 min read 📰 ISNA
📋 Key Takeaway

The Hesam system, intended to manage dormant bank accounts, has not been launched as planned, leaving customers reliant on bank branches. Some banks are independently activating dormant accounts, but the overall system remains unavailable.

🔍 Quick Context Guide
💡 Bottom Line: The Hesam system's failure to launch as planned underscores persistent challenges in Iran's banking sector, affecting customer access and economic stability.

👥 Key Players

Iranian Government MENTIONED
Regulator of banking systems
"They oversee financial systems and policies that affect the economy and citizens' access to banking services."
Iranian Banks MENTIONED
Financial institutions managing accounts
"They are responsible for implementing government policies and providing services to customers, including the management of dormant accounts."
Bank Customers MENTIONED
Users of banking services
"They are directly affected by the banking system's efficiency and accessibility, impacting their financial well-being."

📰 What Happened

The Hesam system, intended to manage surplus and dormant bank accounts, has not been launched as promised, leaving customers dependent on in-person visits to banks. Some banks have begun activating dormant accounts independently, but the overall system remains unavailable.

  • The Hesam system was supposed to be launched at the beginning of Shahrivar (early September).
  • Customers are still required to visit bank branches due to the system's unavailability.

💡 Why It Matters

🇮🇷 For Iran: The delay in launching the Hesam system reflects ongoing issues in Iran's banking sector, which can hinder economic recovery and public trust.
🌍 Regional: The inefficiency in banking could affect regional economic interactions, especially with neighboring countries that engage in trade with Iran.
🌐 International: Internationally, the situation highlights Iran's struggles with modernization and transparency in its financial systems, impacting foreign investment.

📚 Background

Iran's banking sector has historically faced issues with outdated systems and inefficiencies, which have been exacerbated by economic sanctions and mismanagement.

Banking reform in Iran Economic sanctions and their impact on Iran
📡 Source: NEUTRAL
📊 Confidence: 70%
The article presents factual information without overt bias, but the context of the source may influence the framing of the issues.

The 'Hesam' system, designed to organize surplus and dormant bank accounts and to manage these accounts remotely, was supposed to be unveiled at the beginning of Shahrivar (during Government Week). However, a month has passed since this deadline, and the system is still not accessible to the public, forcing customers to continue visiting bank branches. In the meantime, some banks have spontaneously taken action to activate dormant accounts!

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Translated from the original and edited for English readers. View original source →

Translation confidence: 85%

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