"U-Teenager"

Cardholder Requirements

• Individual, RA resident

• Age limit 14 - 21 years /inclusive/

• In the case of children under 18 years of age - presence of a parent

Documents to be submitted

• application form

• passport

• social card /ID card/

• In the case of children under 18 years of age - parent's passport, /ID card, social card

• Other additional documents at the Bank's request

For the purposes of customer due diligence as defined by the Law of the Republic of Armenia "On Combating Money Laundering and Terrorism Financing", it may, based on the "Know Your Customer" ("Know your customer") principle, request additional documents or other information from the consumer, as well as ask additional questions to the consumer during verbal communication.

In accordance with the agreement concluded with the United States on the basis of the Foreign Account Tax Compliance Act (FATCA), the financial institution may collect additional information to determine whether you are a US taxpayer.

U-Teenager debit cards are issued as Visa and ArCa payment cards

Card type

ArCa classic

Card issuance method

By scanning a QR code

Card currency

AMD

Card issuance fee

0 AMD

Annual card service fee

0 AMD

Card delivery

0 AMD

Minimum balance requirement

0 AMD

Card reissuance (worn/technical malfunction/PIN code loss/card loss)

2,000 AMD

Provision of account statement

Free

Placing the card on the STOP list

10,000 AMD

Cash withdrawal

At the Bank's cash withdrawal points

At the cash withdrawal points of local banks

At the cash withdrawal points of other banks

0%

1%

1.3%

Transactions at points of sale

0%

Daily transaction limit

1,500,000 AMD

Annual interest rate calculated on the positive balance of the card account

0%

Penalty for unauthorized exceeding of the payment limit

36%

"SMS banking" service

free

Card validity period

3 years

Cashback (Cash Back)

2%*

*Cashback is provided for transactions exceeding 1,000 AMD. The cashback for each individual transaction may not exceed 6,000 AMD, and for each reporting month — 60,000 AMD

Visa Classic

Card issuance method

At the Bank's branches

Card currency**
**Multi-currency card

AMD, USD, EUR

Card issuance fee

2,000 AMD

Annual card service fee (charged starting from the 2nd year)

2,000 AMD

Minimum balance requirement

0 AMD

Card reissuance (worn/technical malfunction/PIN code loss/card loss)

2,000 AMD

Provision of account statement

free

Placing the card on the STOP list

10,000 AMD

Cash withdrawal

At the Bank's cash withdrawal points

At the cash withdrawal points of local banks

At the cash withdrawal points of other banks

0%

1%

1.3%

Transactions at points of sale

0%

Daily transaction limit

1,500,000 AMD

Annual interest rate calculated on the positive balance of the card account

0%

Penalty for unauthorized exceeding of the payment limit

36%

"SMS banking" service

free

Card validity period

3 years

Cashback (Cash Back)

0%

Card delivery within the territory of RA

1,000 AMD

Attention. Fees for other services related to card servicing are charged in accordance with the tariffs for Visa classic and Arca classic cards approved by the Bank.
For the rules on the provision and servicing of bank cards, see: Debit Cards — Unibank

Debit Card "Schoolchild"

Requirements for the Cardholder

• Individual, resident of the Republic of Armenia

• Age limit: 6–13 years old /inclusive/

Required Documents

• Application form (submitted by one of the minor child’s parents, adoptive parent, or trustee)

• Minor child’s birth certificate or passport

• Minor child’s social security card

• Passport/ID card and social security card of the parent, adoptive parent, or guardian

• Other additional documents upon the Bank’s request

For the purposes of customer due diligence as defined by the Law of the Republic of Armenia "On Combating Money Laundering and Terrorism Financing", it may, based on the "Know Your Customer" ("Know your customer") principle, request additional documents or other information from the consumer, as well as ask additional questions to the consumer during verbal communication.

Attention: All documents related to the card issuance are signed by the minor child’s parent, adoptive parent, or trustee.

Card Type

Visa Classic

Card Account Currency

AMD

Card Issuance

Free

Annual Service Fee (charged starting from the 2nd year)

1,200 AMD

Non-declining balance

0 AMD

Re-issue of lost, stolen or damaged card

1,200 AMD

Monthly Statement Provision

Free

The statement is provided to the parent, adoptive parent, or trustee

Card placement in the STOP list (7 days)

10,000 AMD

Cash Withdrawal

Bank cash withdrawal points

Local bank cash withdrawal points

Other bank cash withdrawal points

0%

1%

1.3%

Transactions in trade centers

0%

Transactions daily limit (cash and non-cash)

50,000 AMD (10 transactions)

Restrictions on Card Transactions

Account top-up options for blocked betting companies and other adult websites

Annual interest rate calculated on the Positive balance of the card account

0%

Penalty for exceeding the permitted payment limit

36% annually

SMS Notifications About Completed Transactions

Free of charge

Notifications may be sent, upon request, to:

• The minor child

• The parent, adoptive parent, or guardian

Card validity

3 years