Terms
tariffs
Explore the rates and terms for the cards available at the bank
Free of charge
50,000 AMD
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.
Free of charge
According to the "Tariffs for Other Services" document — based on the applicable fee for providing electronic or paper statements related to active loans/accounts/deposits of individuals, sole proprietors, and legal entities.
Free of charge
Free of charge
Free of charge
Free of charge
According to the "Terms and Tariffs for Opening and Servicing Current Bank Accounts for Individuals" — based on the applicable cash withdrawal fee.
0.80%
To local number: Free of charge, To international number: 50 AMD
Free of charge
0․5%
1․2%
2% min 1,500 AMD
0.5%
According to the applicable cash withdrawal tariffs for the current account / respective card (based on the maximum commission for the corresponding currency).
0․5%
2%
Yerevan: up to 3 business days, Regions: up to 5 business days
Visa Classic/ArCa Classic
Visa Gold
Mastercard World
More than 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 applying for the card.
At the customer's request, a lower-tier card than the one defined by this scale may be provided
Only deposits/bonds with a contractual term of 181 days or more are considered under this scale
Each customer is entitled to one card with free annual maintenance for the entire validity period in the currency of their choice
Other terms of the card are regulated according to the tariffs and conditions in effect at the time for the specific card type
Upon expiration, the card may be reissued with free annual maintenance if the customer meets the conditions set for depositors by the Bank at that time.
The annual maintenance fee for cards provided under these conditions may be reviewed and applied based on the tariffs in this document if the required deposit/bond threshold is no longer met.
Services are provided:
In all branches of the bank
Learn more about the card usage rules here
*ATTENTION: INTEREST AMOUNTS ON THE FUNDS IN YOUR ACCOUNT ARE CALCULATED BASED ON A NOMINAL INTEREST RATE. THE ANNUAL INTEREST YIELD SHOWS HOW MUCH INCOME YOU WILL RECEIVE AS A RESULT OF MAKING THE MANDATORY PAYMENTS RELATED TO THE ACCOUNT AND RECEIVING THE INTEREST AMOUNTS EARNED AT A DEFINED PERIOD. YOU CAN FIND OUT THE ANNUAL INTEREST INCOME CALCULATION PROCEDURE HERE
You can find the terms and conditions of remote maintenance services here.
Communication with the bank: YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN YOUR PREFERRED WAY: BY POSTAL OR ELECTRONIC. RECEIVING INFORMATION ELECTRONIC IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, FREE FROM THE RISK OF LOSS OF PAPER INFORMATION AND ENSURES CONFIDENTIALITY.
In accordance with the agreement signed with the United States based on the Foreign Account Tax Compliance Act (FATCA), the Bank may collect additional information to determine the fact that the Customer is a US taxpayer.
For the purpose of due diligence of the customer as defined by the RA Law "On Combating Money Laundering and Financing of Terrorism", the Bank may request additional documents or other information from the Customer based on the "Know your customer" principle, as well as ask additional questions to the customer during verbal communication (if such a request exists).
The terms, deadlines, and tariffs for providing statements, their duplicates, inquiries, and other information are published on the Bank's Other Services page.