VISA GOLD

Card Account Currency

AMD, USD, EUR, RUB

Card Shipping Within Armenia

Free

Interest on Positive Balance

0,1-5%

Annual Maintenance Fee

4,000 AMD

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VISA GOLD

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Card Issuance

Free of charge

Card Replacement / Reissuance (AMD)

2,000 AMD

Interest on Positive Balance

According to the "Terms and Tariffs for Opening and Servicing Current Bank Accounts for Individuals" document — based on the annual interest rate applied to the daily account balance.

Card Blocking / Unblocking

Free of charge

Account Statement (Monthly / Electronic Format)

Free of charge

Account Statement Duplicate (Paper Format)

According to the "Tariffs for Other Services" document — based on the fee for providing electronic or paper statements of active loan/account/deposit for individuals, sole proprietors, and legal entities.

Sending Online Transaction Authentication Code (3D Secure)

Free of charge

Receiving a New PIN Code via ATM

Free of charge

Non-Cash Payments

Free of charge

Government Payments (Taxes, duties, and other payments to the state and local budgets)

Free of charge

Cash Withdrawal Without Card at Bank Cash Desks

According to the "Terms and Tariffs for Opening and Servicing Current Bank Accounts for Individuals" — based on the applicable cash withdrawal fee.

Cash Deposit to Bank Card Accounts via ATMs of Other Banks

0.80%

Card Issuance Tariffs
Supplementary Card Service Fee (issued for the term of the primary card)

Equal to the respective card’s annual service fee

SMS Notification Service (AMD)

Local number: 20 AMD, International number: 50 AMD

Dispute of a Card Transaction (Unjustified) (AMD)

5,000  AMD

Cash Withdrawal via ATMs and POS Terminals
Other Banks Abroad

2%, minimum 1,500 AMD

Card-to-Card Transfers

0.25%

Cash Withdrawal via POS Terminal at Bank Cash Desks from Fast Bank Payment Cards

AMD/USD/EUR/RUB

According to the applicable withdrawal fees for the current account / respective card (maximum fee for the corresponding currency).

Cash Withdrawal via POS Terminal at Bank Cash Desks from Cards Issued by Other Banks

In AMD

0,5%

In foreign currency

2%

Other Services
Card delivery to address within Armenia

Free of charge

Delivery time

Yerevan: up to 3 business days, Regions: up to 5 business days

Cards with Free Annual Maintenance Based on Deposit/Bond Amount

500,000-5,000,000 AMD

Visa Classic/ArCa Classic

5,000,000-20,000,000 AMD

Visa Gold

20,000,000-50,000,000 AMD

Mastercard World

Over 50,000,000 AMD

Visa Infinite/Mastercard World Elite

The specified thresholds are calculated based on the total amount of deposits/bonds in all currencies at the time of card application.

Upon customer request, a lower-tier card from this scale may be issued.

Only deposits/bonds with a contractual term of 181 days or more are considered under this scale.

Each customer may receive one card with free annual maintenance for the entire validity period, in the currency of their choice.

Other terms of the card are governed by the current tariffs and conditions set for the given card type in this document.

Upon card expiration, it may be reissued with free annual maintenance if the customer meets the applicable conditions set for depositors by the Bank at that time.

The annual maintenance fee for cards issued under these conditions may be revised and applied according to the current tariff in this document, if the required deposit/bond amount no longer meets the specified thresholds.

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Documents

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Documents

Updated at