Tariff rates of the Unibank


TYPES OF BANKING OPERATION

Tariffs / AMD

1. Account opening, servicing and closing

1. Account opening and servicing

1,1. Account opening (single fee per each account)

1.1.1. For physical persons and private entrepreneurs (excl. private entrepreneurs realizing pawn activity or exploiting casino)  

         Resident

Free

         Non-resident

Free

         For resident pensioners

Free

1.1.2. For private entrepreneurs realizing pawn activity or exploiting casino******

150.000

1.1.3. For legal persons /single fee per each account, excl. pawn-shops and casino/

         Resident

Free

         Non-resident

100.000

1.1.4. For legal persons realizing pawn activity or exploiting casino /single fee per each account/******

Resident

150.000

Non-resident

150.000

1.2. Account annual servicing fee***

1.2.1. For physical persons and private entrepreneurs (excl. private entrepreneurs realizing pawn activity or exploiting casino)  

         Resident

1.000

         Non-resident

5.000

         For resident pensioners

Free

1.2.2. For private entrepreneurs realizing pawn activity or exploiting casino******

         Resident

50.000

         Non-resident

50.000

1.2.3. For accounts for public utilities payment

Free

1.2.4. For accounts of resident depositors of term deposits

1000

1.2.5. For accounts of non-resident depositors of term deposits

5000

1.2.6. For legal persons (excl. pawn-shops and casino)

         Resident

5.000

         Non-resident

50.000

1.2.7. For state nonprofit organizations, municipal nonprofit organizations and budget enterprises of RA

Free

    1.2.8. For legal persons realizing pawn activity or exploiting casino******

 

         Resident***

50.000

         Non-resident***

50.000

    1.2.9. For servicing clients’ individual accounts

Contractual

1.3. Irreducible remainder by customer code

1.3.1. For physical persons and private entrepreneurs

2.000

1.3.2. For public utilities payment

Not fixed

1.3.3. For accounts of physical persons- term deposits

Not fixed

1.3.4. For legal persons

10.000

1.3.5. For non resident private entrepreneurs

1.000.000

1.3.6. For non resident juridical persons

1.000.000

1.3.7. For state nonprofit organizations, municipal nonprofit organizations and budget enterprizes

      Not fixed

1.4.  Submission of information /incl. VAT/

1.4.1. Submission  of information on account in Armenian, Russian and English if the account is serviced for more than 6 months

2.000

1.4.2. Submission  of information on account in Armenian, Russian and English if the account is serviced for less than 6 months

4.000

1.4.3. Submission  of information on account to custom bodies

3.000

1.4.4. Submission of information about  “Unistrream” money transfer system  

     1-366 days

2.000

     367 days and more

5.000

1.4.5. Submission of information about term deposit accounts

1.000

1.4.5.1. Submission of information about term deposit accounts within the same day /urgent/

2.000

1.4.6. Preparation and submission of auditor’s inquiries to companies

10.000

1.4.7. Preparation and submission  of auditor’s inquiries to banks

Free

1.4.8. Submission of information on social packages accounts

Free

1.5. Submission of extract from account, excluding the case stipulated by the law when information is provided monthly for free /incl. VAT/             

1.5.1. For each operation

Free

1.5.2. On any operation (repeated starting from 2014)

1.000

1.5.3. Issuing the excerpt and copy from deposit account (no limitations of terms)

Free

1.5.4. On any fax or e-mail operation

1.000

1.5.5. Issuing the excerpt on the account up to 2010 included (every year)

20.000

1.5.6. Issuing the excerpt on the account from 2011 to 2013 included (every year)

5.000

by email (monthly) (automatically)

Free

1.6. Submission of duplicate written information, extracts and payment documents, Swift notes

1.6.1. separate document

1.000

1.6.2. file (documents for certain period)

5.000

1.7. Submission of cash cheque-book /incl. VAT/

3.000

1.7.1 Submission of one page of cahs cheque-book /incl. VAT/

500

1.8. Financial and investment advisory service /incl. VAT/


1.8.1 For physical and juridical persons and resident private entrepreneurs

Contractual

1.8.2 For physical and juridical persons and non resident private entrepreneurs

100.000

1.9. Installation, instruction and service of “Bank-Client” system

For    For physical persons (in case of providing one secret key a year)

Free

For legal  persons   (in case of providing maximum two secret keys a year, and for private entrepreneurs (in case of providing one secret key a year)

Free

1.9.1 New or additional secret key in case of loss or damage

7.000

1.10. Account closing *******

          For physical persons

Free

          For private entrepreneurs

Free

          For legal persons

Free

1.11. SMS service about account flow and other information /monthly/

Free

1.12. Notification on regular (monthly) communal payments by phone, SMS message, e-mail (including VAT)

Free

1.13  Annual interest rate accrued on banking accounts for resident  and non-resident physical persons 

- AMD

0.1%

- USD, EUR and other currency

0.01%

1.14 Annual interest rate accrued on banking accounts for resident  and non-resident legal persons and private entrepreneurs 

- AMD

0.5%

- USD, EUR and other currency

0.01%

1.15 Annual interest rate accrued on banking accounts of social packages 


- AMD (if within a month the balance is not less than 1.000.000 AMD)

5%

- USD, EUR and other currency (if within a month the balance is not less than 10.000 conventional units)

1%

1.16 Changing credit repayment schedule at customer’s request 

1.000

2. Money transfer transactions

2.1. Between Bank’s clients in any currency  (intra-banking transfer)

Free

2.2. For the benefit of other banks’ clients in AMD (interbanking transfer) 

2.2.1. From the client’s banking account according to the payment orders submitted and performed within one banking day till  15:00 and submitted payment orders from 16:00 up to 17:00

Free

2.2.2. From the client’s AMD account according to the payment orders submitted and performed within one banking day from 15:00 to 16:00

0.1 % min 500 max 3.000

 

2.3. Transfer of cash in AMD by physical persons without opening banking account

2.3.1. Up to 50.000 AMD /only for payments to state and local accounts of RA

100

2.3.2. Up to 500.000 AMD

200

2.3.3. 500.001-1.000.000 AMD

500

2.3.4. 1.000.001 AMD and more 

1.000

2.4. Transfer of sums entered by local state budgetary enterprises regardless of size of sum /if reference by employer is available/

100

2.5. Transfer in foreign currency (from the resident clients and non resident physical persons client’s USD and RUB account, by OUR version)

2.5.1. up to 500 USD or equivalent RUB

3.500

2.5.2.  500.01-1 000 USD or equivalent RUB

6.000

2.5.3. 1000.01 and more USD or equivalent RUB

0.125 % min 7.000 max 50.000

2.6.  Transfer in foreign currency (from the resident clients and non resident physical persons client’s EUR account, by OUR version)

2.6.1. Transfers up to 30.000 EUR to Austria

0.09% min 5200

2.6.2. Transfers up to 30.000.01 – 50.000 EUR

0.1%

2.6.3. Transfers up to 12.500 EUR to France, Finland, Germany, Italy, Spain, Switzerland, China

0.08% min 5.000

2.6.4. Transfers up to 10.000 EUR

7.000

2.6.5. Transfers of 10.000.01 EUR and more

0.125% min 10.000 max 60.000

2.7. Transfer in foreign currency (from the resident clients and non resident physical persons client’s GBP, CHF account, by OUR version)

0.2 % min 15.000 max 60.000

2.8.  Transfer in other convertible currency  

                                Contractual

2.9. Change or cancellation of transfer terms according to written request of client

AMD

0.2% min 200 max 5.000

RUB

5.000

Other currency up to 60 days

30.000

Other currency 60 days and more

50.000

2.10. Refund of uncertain money

Expenses of correspondent bank

2.11. Unistream money transfer system -  without account opening

www.unistream.com or for address mentioned by client tariff is indicated by manager

2.12. Transfer in foreign currency (from the resident clients and non resident physical persons client’s USD and EUR account, by BEN version), if transaction is performed within two and more banking days

4.000

2.13. Transfer in foreign currency (from the resident clients and non resident physical persons client’s USD and EUR account, by BEN version ), if transaction is performed within one banking day

5.000

2.14. Refund of  transferred remitted in foreign currency to customer

5.000+ expenses of correspondent bank

2.15. International transfers at request of resident correspondent banks 

USD

3.000

EUR

3.500

2.16. Guaranteed USD transfers in all directions (excluding China)

0.125% min 9.000 max 50.000

2.17. Guaranteed USD transfers to China

0.125% min 7.000 max 50.000

2.18. Transfers in foreign currency (from account of non-resident juridical person in USD, EUR, RUR, GBP, CHF)

0.125% min 15.000 max 100 000

  3. Cash operations

3.1.  Submission of cash entered in cash (in any currency)

  Free

3.2. Submission of cash from account (including credit sum and sum received within line of credit)                                                                                                          

3.2.1. During the same banking day without  preliminary application 

3.2.1.1. For interbank money transfers

    Up to 2.000.000 AMD                      

0.3% min. 300

    USD

0.5% 

    2.000.000.01 AMD and more        

1 % min  300

    Other currency

Contractual /at the current interest rate fixed by the Bank/

  Cashing out the pension sums from the pensioner residents’ accounts

Free

   3.2.1.2. Intra-bank (inter-branches) money transfers if sum was entered in cash

            AMD

Free

            USD

Free

            Other currency

Free

   3.2.2. According to application submitted until 15:00 of the preceding day

            AMD

0,3 % min 300

            USD

0.5 %

            Other currency

Contractual /at the current interest rate fixed by the Bank/

      Cashing out the pension sums from the pensioner residents’ accounts

Free

3.2.3. Withdrawal of deposits placed in cash, without preliminary application

Free

3.2.4. Receipt of sum transferred via “Unistream” money transfer system in AMD, USD, EUR and RUB

Free

 

3.2.5. State non-profit organizations, municipal non-profit organizations, budgetary enterprises of RA

Free

3.2.6. Charging off cash prepayment made from seller’s account

0.1 % min 300

    3.3.  Cash entry to account

          AMD, USD

Fee

          Other currency

Contractual

3.3.1. Entry of sums in Euro and RUB received via “Unistream” money transfer system

Fee

3.4. Money checking  and packing

 0.2 % min 200

    3.5. Metal coins counting and packing

          Up to 50 pieces of metal coins of same value

free

          Up to 50 000 AMD

500

          50 001-500 000 AMD

3.000

          500 001 and more AMD

9.000

    3.6. Changing damaged bank-notes

          AMD

Fee

          USD, EUR, RUB

3% min 300

          Other currency

Contractual

    3.7. Submission of cash via POS-terminals

         Cardholders of “Unibank” CJSC

Contractual

         Cardholders in other banks

2%

4. Granting guarantees

4.1. Granting banking guarantees 

4.1.1. on the security of financial means

annually 3-6%, min 5.000

4.1.2. on the security of realty

annually 6-12%, min 10.000

4.2. Changing terms of guarantees   /including VAT/

0.5%

4.3. Operations with international guarantees

4.3.1. Granting banking guarantees /including VAT/

 

4.3.1.1. On the security of financial means

annually 1%, min 20.000

4.3.1.2. On the other  security

annually 3-4%, min 25.000

4.3.2. Changing terms of guarantees  

20.000 +commission fee of correspondent bank

4.3.3. Payment on request

0.5%, min 50.000

4.3.4. Granting cross-guarantee by the third bank against the              guarantee issued by Unibank

Relevant commission+commission fee of correspondent bank

4.4. Servicing guarantee given by another bank for client’s benefit

4.4.1. Advised guarantee/changes

10.000

4.4.2. Payment on the guarantee

20.000

5. Letters of credit

5.1. Import L/C

5.1.1. Preliminary confirmation of LC

30.000

5.2. LC opening

5.2.1. on the security of financial means

0,1 % min 20.000, single

5.2.2. on the security of other guarantees

0,1 % from the sum per each quarter, min 20.000 (charged one time for the whole period)

5.3. Confirmation of LC via leading bank 

Contractual

5.4. Acceptance and checking terms of LC

 

5.4.1. Without discrepancy

                        25.000

5.4.2. With discrepancy

                        35.000

5.5. Payment of LC by submitting documents or postponed payment date /including VAT/

5.5.1. In case of secured LC

0,1 % min 10.000 max 50.000

    5.5.2. In case of non-secured LC  (for each full or not full 30 days from the payment day)

0,25 % min 30.000 max 450.000

5.6. Changing terms of LC 

30.000

5.7. Revoke LC 

30.000

    5.8. Export LC operations /including VAT/

5.9. Confirmation of LC

30.000 + expenses of mediator bank and postal fee

5.10. Acceptance and checking documents for LC

30.000 + expenses of mediator bank and postal fee

5.11. Notification on LC (including on each change)

10.000 AMD

5.12. LC transfer

0,15 % min  35.000

5.13. Documentary LC/  /including VAT/

5.13.1. Operation on purchase and sale realty

0,15 % min  15.000

5.13.2. Operation on purchase and sale movable property

0, 20 % min 10.000

6. Other banking sevices

6.1. Currency exchange

Contractual 

/at the current interest rate fixed by the Bank /

6.2. Acceptance of documents and other values    /incl. VAT/

500 per day 

   6.3. Purchase/sale of securities – short-term state bonds

          Up to 100 mln. AMD

0.04-0.05 %

          Over 100 mln AMD

0.03-0.04 %

         Тransfer of electronic depot account

500

         Transfer of correspondent depot account

1.500

          Other securities

Contractual

6.4. For contracts to be concluded on condition that the bank is 3rd party or intermediary of the operation.

Contractual

 

6.5. Submission of information  upon client’s request /monthly/ /incl. VAT/

2.000

6.6. In case of account closing submission of copies of client’s legal documents /incl. VAT/

5.000

6.7. Posting extracts and other documents concerning servicing client

2000+ postal fees

6.8. At client’s request preparation of payment order for transfer from account /incl. VAT/

6.8.1. For physical persons and private entrepreneurs in any currency

free

6.8.2. For legal persons

   AMD

200

   Other currency

500

6.9. Nominal cheques servicing

2% min 5.000 + expenses of bank

6.10.  Collection  operations

Contractual    

6.11. Permission for pawning the property pledged in Unibank as subsequent collateral in other banks

2% of outstanding amount of current credit Min 500.000 AMD Max 5.000.000 AMD

6.12.  Penalty for handing in wrong information by the customer

1.000 AMD

6.13.  Partial release or replacement of collateral

Commission fee at the rate of 0.2% of liquidation cost of collateral but min 50.000 AMD, max 500.000 AMD, with the exception of collaterals which according to client’s application and Credit committee resolution were accepted as temporary before registration of principal collateral

6.14.  Penalty for making changes in the data of the registered communal fees

1.000 AMD

7. Lease of depositary cells

7.1.  Submitting cheques for public transport mandatory technical revision

Free of charge

7.2.  Single fee for submitting cheques for public transport mandatory technical revision

1.500 AMD

7.3.  Second submitting of cheques for public transport mandatory technical revision /VAT included/

5.000 AMD

8. Lease of depositary cells

Lease period

110x220x480 / mm /

(small)

200x220x480 / mm /

(middle-sized)

200x450x480 / mm /

(large)

7 days

4.500

6.000

9.000

14 days

6.000

9.000

10.000

1 month

10.000

15.000

20.000

6 months

20.000

25.000

30.000

1 year

30.000

37.500

45.000

9. Fee for ACRA credit report

9.1. For physical person (for secured loans)

2.500

9.2. For physical person (for unsecured loans)

Free

9.3. For private entrepreneurs

5.000

9.4. For juridical persons

5.000

9.5. Guarantor, affiliated person, deposit, owner, manager       

Free

9.6. Monitoring of current deposit   

Free

10. Service of debit cards ArCa Classic

AMD/USD/EUR/RUR

10.1. Issue of card

Free

10.2. Annual service fee

2.000

10.3. Irreducible remainder

Not fixed

10.4. Issue of duplicate of lost, stolen and damaged card   

2.000

10.5. Submission of monthly extract

Free

10.6. Submission of additional extract

500

10.7. Submission of additional card

-

10.8. Annual service fee for additional card

-

10.9. Penalty for card return before expiration of validity

1.500

10.10. Cash withdrawal in points of Bank

0.3%

10.11. Cash withdrawal in points of other banks

1%

10.12. Transactions in trade points

Free

10.13. Maximum cash withdrawal per day

300.000

10.14. Card-to-card transfer via ATM

0.5%

10.15. Annual interest accrued on positive balance of card account

8%/5%/3%/3%

10.16. Penalty for unapproved exceeding of limit  

36%

10.17. Card validity

2 years

11. Service of debit cards Visa Electron with magnetic strip (emmission is ceased)

AMD/USD

11.1. Issue of card ***

Free

11.2. Annual service fee

3.000

11.3. Irreducible remainder

Not fixed

11.4. Issue of duplicate of lost, stolen and damaged card  

3.000

11.5. Submission of monthly extract

Free

11.6. Submission of additional extract

1.000

11.7. Penalty for card return before expiration of validity

1.500

11.8. Cash withdrawal in points of Bank

0.3% / 0.5%

11.9. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

11.10. Cash withdrawal in points of other banks

1.2% - min. 1.500

11.11. Transactions in trade points 

Free

11.12. Maximum cash withdrawal per day

500.000 AMD / 1.000 USD

11.13. Card-to-card transfer via ATM

0.5%

11.14. Annual interest accrued on positive balance of card account

8% / 5%

11.15. Penalty for unapproved exceeding of limit  

36%

11.16. Card validity

2 years

11.17. International blocking of the card at the wish of cardholder

15.000

12. Service of debit cards Visa Classic with magnetic strip (emmission is ceased)

AMD/USD/EUR

12.1. Issue of card ****

Free

12.2. Annual service fee

5.000 AMD

12.3. Irreducible remainder

Not fixed

12.4. Issue of duplicate of lost, stolen and damaged card  

5.000

12.5. Submission of monthly extract

Free

12.6. Submission of additional extract

1.000

12.7. Submission of additional card

5.000

12.8. Placement of card in STOP-list (7 days)

10.000 AMD

12.9. Annual service fee for additional card

Free

12.10. Penalty for card return before expiration of validity

1.500

12.11. Cash withdrawal in points of Bank

0.3% / 0.5% /0.5%

12.12. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

12.13. Cash withdrawal in points of other banks

1.2% - min. 1.500 AMD

12.14. Transactions in trade points 

Free

12.15. Maximum cash withdrawal per day

500.000 AMD / 1.000 USD /1.000 EUR

12.16. Card-to-card transfer via ATM

0.5%

12.17. Annual interest accrued on positive balance of card account

8% / 5% /3%

12.18. Penalty for unapproved exceeding of limit  

36%

12.19. Card validity

2 years

12.20. International blocking of the card at the wish of cardholder

15.000

13. Service of debit cards Visa Gold with magnetic strip (emmission is ceased)

AMD/USD/EUR

13.1. Issue of card ****

Free

13.2. Annual service fee

30.000 AMD

13.3. Irreducible remainder

Not fixed

13.4. Issue of duplicate of lost, stolen and damaged card  

5.000

13.5. Submission of monthly extract

Free

13.6. Submission of additional extract

1.000

13.7. Submission of additional card

5.000

13.8. Placement of card in STOP-list (7 days)

10.000 AMD

13.9. Annual service fee for additional card

Free

13.10. Penalty for card return before expiration of validity

1.500

13.11. Cash withdrawal in points of Bank

0.5% / 0.5% /0.5%

13.12. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

13.13. Cash withdrawal in points of other banks

1.2% - min. 1.500 AMD

13.14. Transactions in trade points 

Free

13.15. Maximum cash withdrawal per day

1.000.000 AMD / 2.000 USD /2.000 EUR

13.16. Card-to-card transfer via ATM

0.5%

13.17. Annual interest accrued on positive balance of card account

8% / 5% /3%

13.18. Penalty for unapproved exceeding of limit  

36%

13.19. Card validity

2 years

13.20. Urgent re-emmission of card abroad in case of loss    

125.000

13.21. International blocking of the card at the wish of cardholder

15.000

14. Service of debit cards Visa Business with magnetic strip (emmission is ceased)

AMD/USD

14.1. Issue of card ****

Free

14.2. Annual service fee

40.000 AMD

14.3. Irreducible remainder

Not fixed

14.4. Issue of duplicate of lost, stolen and damaged card  

15.000 AMD

14.5. Submission of monthly extract

Free

14.6. Submission of additional extract

1.000

14.7. Submission of additional card

15.000

14.8. Placement of card in STOP-list (7 days)

10.000 AMD

14.9. Annual service fee for additional card

50.000

14.10. Penalty for card return before expiration of validity

20.000

14.11. Cash withdrawal in points of Bank

0.5% / 0.5%

14.12. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

14.13. Cash withdrawal in points of other banks

1.2% - min. 1.500 AMD

14.14. Transactions in trade points 

Free

14.15. Maximum cash withdrawal per day

1.000.000 AMD / 2.000 USD

14.16. Maximum cash withdrawal per one transaction

250.000 AMD / 500 USD

14.17. Card-to-card transfer via ATM

0.5%

14.18. Annual interest accrued on positive balance of card account

8% / 5%

14.19. Penalty for unapproved exceeding of limit  

36%

14.20. Card validity

1 year

14.21. Urgent re-emmission of card abroad in case of loss      

125.000

14.22. International blocking of the card at the wish of cardholder

15.000

15. Pension cards

AMD

15.1. Issue of card

Free

15.2. Annual service fee

Free

15.3. Irreducible remainder

Not fixed

15.4. Issue of duplicate of lost, stolen and damaged card   (first time)

Free

15.5. Issue of duplicate of lost, stolen and damaged card  

500

15.6. Submission of monthly extract

Free

15.7. Submission of additional extract

Free

15.8. Cash withdrawal in points of Bank

0%

15.9. Cash withdrawal in points of other banks

1%

15.10. Transactions in trade points 

Free

15.11. Maximum cash withdrawal per day

300.000 AMD

15.12. Annual interest accrued on positive balance of card account

8%

15.13. Penalty for unapproved exceeding of limit  

36%

15.14. Card validity

2 years

16. Arca Unistream cards

AMD/USD/EUR/RUR

16.1. Issue of card

Free

16.2. Annual service fee

Free

16.3. Irreducible remainder

Not fixed

16.4. Issue of duplicate of lost, stolen and damaged card  

3.000 AMD

16.5. Submission of monthly extract

Free

16.6. Submission of additional extract

1.000

16.7. Penalty for card return before expiration of validity

1.500 AMD

16.8. Cash withdrawal in points of Bank

0%

16.9. Cash withdrawal in points of other banks

1%

16.10. Transactions in trade points 

Free

16.11. Maximum cash withdrawal per day

300.000 AMD

16.12. Card-to-card transfer via ATM

0.5%

16.13. Annual interest accrued on positive balance of card account

8% / 5% /3% /3%

16.14. Penalty for unapproved exceeding of limit  

36%

16.15. Card validity

2 years

17. Service of debit chip cards Visa Electron

Multi (AMD/USD/EUR/RUR)

17.1. Issue of card ***

Free

17.2. Annual service fee

3.000

17.3. Irreducible remainder

Not fixed

17.4. Issue of duplicate of lost, stolen and damaged card  

3.000 AMD

17.5. Submission of monthly extract

Free

17.6. Submission of additional extract

1.000

17.7. Penalty for card return before expiration of validity

1.500

17.8. Cash withdrawal in points of Bank

Free / 0.5%

17.9. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

17.10. Cash withdrawal in points of other banks

1.3%

17.11. Transactions in trade points 

Free

17.12. Maximum cash withdrawal per day

500.000 AMD

17.13. Card-to-card transfer via ATM

Free

17.14. Annual interest accrued on positive balance of card account

8% / 5% / 3% / 3%

17.15. Penalty for unapproved exceeding of limit  

36%

17.16. Card validity

3 years

17.17. International blocking of the card at the wish of cardholder

40.000

17.18. Issuing the card in one business day

10.000

18. Service of debit chip cards Visa Classic

Multi (AMD/USD/EUR/RUR)

18.1. Issue of card ****

Free

18.2. Annual service fee

5.000 AMD

18.3. Irreducible remainder

Not fixed

18.4. Issue of duplicate of lost, stolen and damaged card  

5.000

18.5. Submission of monthly extract

Free

18.6. Submission of additional extract

1.000

18.7. Submission of additional card

5.000

18.8. Placement of card in STOP-list (7 days)

10.000 AMD

18.9. Annual service fee for additional card

Free

18.10. Penalty for card return before expiration of validity

1.500

18.11. Cash withdrawal in points of Bank

Free / 0.5%

18.12. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

18.13. Cash withdrawal in points of other banks

1.3%

18.14. Transactions in trade points 

Free

18.15. Maximum cash withdrawal per day

1.000.000 AMD

18.16. Card-to-card transfer via ATM

Free

18.17. Annual interest accrued on positive balance of card account

8% / 5% /3% /3%

18.18. Penalty for unapproved exceeding of limit  

36%

18.19. Card validity

3 years

18.20. Urgent re-emmission of card abroad in case of loss      

125.000

18.21. International blocking of the card at the wish of cardholder

40.000

18.22. Issuing the card in one business day

10.000

19. Service of debit chip cards Visa Gold

Multi (AMD/USD/EUR/RUR)

19.1. Issue of card ****

Free

19.2. Annual service fee

30.000 AMD

19.3. Irreducible remainder

Not fixed

19.4. Issue of duplicate of lost, stolen and damaged card  

25.000

19.5. Submission of monthly extract

Free

19.6. Submission of additional extract

1.000

19.7. Submission of additional card (Electron or Classic)

3.000 / 5.000

19.8. Placement of card in STOP-list (7 days)

10.000 AMD

19.9. Annual service fee for additional card

30.000

19.10. Penalty for card return before expiration of validity

1.500

19.11. Cash withdrawal in points of Bank

Free / 0.5%

19.12. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

19.13. Cash withdrawal in points of other banks

1.3%

19.14. Transactions in trade points 

Free

19.15. Maximum cash withdrawal per day

10.000.000 AMD

19.16. Card-to-card transfer via ATM

Free

19.17. Annual interest accrued on positive balance of card account

8% / 5% /3% /3%

19.18. Penalty for unapproved exceeding of limit  

36%

19.19. Card validity

3 years

19.20. Urgent re-emmission of card abroad in case of loss    

125.000

19.21. International blocking of the card at the wish of cardholder

40.000

19.22. Issuing the card in one business day

10.000

20. Service of debit chip cards Visa Business

Multi (AMD/USD/EUR/RUR)

20.1. Issue of card

Free

20.2. Annual service fee

40.000 AMD

20.3. Irreducible remainder

Not fixed

20.4. Issue of duplicate of lost, stolen and damaged card  

15.000 AMD

20.5. Submission of monthly extract

Free

20.6. Submission of additional extract

1.000

20.7. Submission of additional card /Visa Business/

15.000

20.8. Placement of card in STOP-list (7 days)

10.000

20.9. Penalty for card return before expiration of validity

15.000

20.10. Cash withdrawal in points of Bank

Free / 0.5%

20.11. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

20.12. Cash withdrawal in points of other banks

1.3%

20.13. Transactions in trade points 

Free

20.14. Maximum cash withdrawal per day

10.000.000 AMD

20.15. Card-to-card transfer via ATM

Free

20.16. Annual interest accrued on positive balance of card account

8% / 5% / 3%

20.17. Penalty for unapproved exceeding of limit  

36%

20.18. Card validity

3 years

20.19. Urgent re-emmission of card abroad in case of loss      

125.000

20.20. International blocking of the card at the wish of cardholder

40.000

20.21. Issuing the card in one business day

10.000

21. Service of debit chip cards Visa Infinity

Multi (AMD/USD/EUR/RUR)

21.1. Issue of card

Free

21.2. Annual service fee

100.000 AMD

21.3. Irreducible remainder

Not fixed

21.4. Issue of duplicate of lost, stolen and damaged card  

100.000 AMD

21.5. Submission of monthly extract

Free

21.6. Submission of additional extract

1.000

21.7. Placement of card in STOP-list (7 days)

10.000

21.8. Penalty for card return before expiration of validity

15.000

21.9. Cash withdrawal in points of Bank

Free / 0.5%

21.10. Cash withdrawal in points of local banks (with the exception of Procreditbank, Areximbank, VTB and HSBC Bank-Armenia”)

1%

21.11. Cash withdrawal in points of other banks

1.3%

21.12. Transactions in trade points 

Free

21.13. Maximum cash withdrawal per day

20.000.000 AMD

21.14. Card-to-card transfer via ATM

0.5%

21.15. Annual interest accrued on positive balance of card account

8% / 5% / 3% /3%

21.16. Penalty for unapproved exceeding of limit  

36%

21.17. Card validity

3 years

21.18. Urgent re-emmission of card abroad in case of loss      

125.000

21.19. International blocking of the card at the wish of cardholder

40.000

21.20. Issuing the card in one business day

10.000



*All types of commissions are charged in AMD at the exchange rate fixed by CBA by date.
**The fixed tariffs are valid also for clients who make use of “Bank-Client” system.
*** Irrespective of account opening date service fee is charged each year.
**** If the current card is replaced with chip card, the card is given free of charge.
****** In case of consealing realization of pawn activity or exploitation of casino single fee for account opening and annual servicing is charged from the date of account opening.
******* The Bank has the right to unilaterally close the customer’s account if the customer has not maintained the payments specified by Bank’s tariffication scheme; minimum required balance or has not done any transactions in a year.


Updated: 04/02/15 11:45