Business Card

Visa Business

Multi-Currency Business Card

Business cards are designed for legal entities and individual entrepreneurs to make payments easier, manage expenses, and monitor financial flows.




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1 Card, 3 Currencies

We offer multi-currency cards with three accounts - AMD, USD, and EUR : linked to a single card. With a business card, you can easily and securely make payments and purchases, and manage travel expenses with flexibility.

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Payments and Transfers

With a business card, you can make fast and secure money transfers within Armenia and abroad in just a few seconds using our mobile app. Receive instant notifications of every transaction made with your card via SMS.

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Easy Management and Control

Business cards allow you to monitor all your company’s financial expenses. Using our mobile app, you can manage your accounts, track transaction history, and analyze expenses.


Business Card Fees

Card Issuance

Resident
Free

Non-Resident
150.000 AMD

Annual Maintenance Fee

Resident
10.000 AMD

Non-Resident
120.000 AMD

Card Validity Period

3 years

Card Delivery

Resident

Non-Resident

Card Delivery within Armenia **

1.000 AMD

1.000 AMD

Card Delivery to EAEU Countries ***

10.000 AMD

10.000 AMD

Card Delivery to Other Countries ***

25.000 AMD

25.000 AMD

Learn more



How to Apply for a
Business Card

To apply for a business card, visit your nearest branch and receive, free of charge, the mobile app designed specifically for businesses.



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UNIBusiness Mobile

Link your card to the UNIBusiness Mobile app, designed for legal entities, and access your bank anytime, anywhere.

Download the UNIBusiness Mobile app for free from Google Play or App Store.

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⇨ Types and limitations of card transactions (frequency, time periods, types, and amounts)
The number and/or limit of card transactions may be increased for a maximum of 10 (ten) days, in accordance with the period specified in the Cardholder’s application. The daily number of card transactions may be set up to a maximum of 50 (fifty) transactions. For the same card, the Cardholder may submit only one application per day for changing the daily limit and/or number of card transactions.
Card activation is performed through setting the card PIN code. The PIN code is set only via the Bank’s ATMs by inserting the card into the ATM (non-NFC method). Users of the Mobile Banking application may also set the PIN code within the app; after that, a transaction must be completed via an ATM or POS terminal.
In case of issues arising with a transaction performed using a payment card or its credentials, or in case of disagreement, the Cardholder may apply to the Bank for transaction dispute resolution, provided that all possible means of resolving the issue directly with the merchant/service provider have been exhausted. A dispute claim may be submitted no later than 60 (sixty) calendar days from the date of receipt of the monthly statement containing the relevant transaction.
The Bank provides a response to the card transaction dispute within the following timeframes:
1. For transactions conducted within the ArCa payment system – within 40 (forty) days from the date of dispute submission,
2. For transactions conducted within Visa and MasterCard international payment systems – within 60 (sixty) days from the date of dispute submission,
3. For disputes related to transactions performed via the Bank’s ATMs/terminals at merchant service points – within 10 (ten) business days from the date of dispute submission.
Card activation is performed through setting the card PIN code. The PIN code is set only via the Bank’s ATMs by inserting the card into the ATM (non-NFC method). Mobile Banking users may also set the PIN code via the application; after that, a transaction must be completed via an ATM or POS terminal.
For card reissuance purposes, the Cardholder may visit the Bank’s head office service hall or any branch, or contact the Call Center via phone call, Mobile Banking “Contact the Bank” section, email at unibank@unibank.am, or by sending messages via Telegram, Viber, or WhatsApp.
The reissuance request is submitted within the same business day, and the card reissuance is completed within 1 business day.
Updated: 11/06/26 14:25