Arca վճարային քարտեր
Arca cards
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PRIVE resident |
Resident |
Non-resident |
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Type of banking operation |
Individual |
Legal entity |
Individual |
Legal entity |
Individual |
Legal entity |
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Card issuance |
2.000 |
2.000 |
10.000 |
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Annual service fee (charged from 2nd year) |
4.000 |
4.000 |
10.000 |
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Non-declining balance |
Not required |
Not required |
Not required |
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Re-issue of lost, stolen or damaged card |
2.000 |
2.000 |
10.000 |
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Provision of monthly statement |
Free of charge |
Free of charge |
Free of charge |
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Provision of additional statement |
Free of charge |
Free of charge |
Free of charge |
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Provision of attached cards |
2.000 |
2.000 |
10.000 |
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Attached card annual service fee for attached card (charged from 2nd year) |
4.000 |
4.000 |
10.000 |
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SMS service activation* |
free |
free |
free |
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Cash withdrawal at Bank cash points |
0% |
0% |
0% |
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Cash withdrawal at local banks’ cash desks |
1% |
1% |
1% |
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The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
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At other bank cash withdrawal points |
1,3% |
1,3% |
1,3% |
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The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
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Provision of cash from credit funds at the Bank's ATMs |
0,5%, min 50 AMD |
0,5%, min 50 AMD |
0,5%, min 50 AMD |
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Transactions in trade points |
Free of charge |
Free of charge |
Free of charge |
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Transactions daily limit (cash and non-cash) |
1.5 million AMD /15 transactions/ |
1.5 million AMD /15 transactions/ |
1.5 million AMD /15 transactions/ |
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Card to card transfer via ATM’s |
0,5% |
0,5% |
0,5% |
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Annual interest rate calculated on the positive balance of the card account |
0% |
0% |
0% |
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Penalty for exceeding the permitted payment limit |
36% annually |
36% annually |
36% annually |
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Card validity |
3 years |
3 years |
3 years |
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Urgent re-issuance of the card in case of losing the card abroad |
125.000 |
125.000 |
125.000 |
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Express card issuance within 1 business day |
5.000 |
5.000 |
50.000 |
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Increase of the established limit (cash and non-cash) |
0,3% |
0,3% |
0,3% |
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Arca Pension |
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Card issuance |
Free of charge |
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Annual service fee |
Free of charge |
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Non-declining balance |
Not established |
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Re-issue of lost, stolen or damaged card |
Free of charge (maximum 3 times) |
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Provision of statement |
Free of charge |
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Activation of SMS service (the tariff is applicable only when sending to a non-local mobile operator number) |
10,000 |
|
Card placement in the STOP list (7 days) |
10,000 |
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Penalty for returning the card to the Bank before its expiration date |
- |
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Cash withdrawal at Bank cash points |
0% |
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Cash withdrawal at local banks’ cash withdrawal points |
1% |
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The tariff refers to the commission charged by Unibank OJSC at the cash withdrawal points of local banks and does not include any potential additional commissions set by those banks for the given transaction, which may be applied during the execution of the transaction. |
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Cash withdrawal from credit funds at the Bank’s ATMs |
Not provided |
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Transactions in trade and service points |
Free of charge |
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Daily transaction limit (cash and non-cash) |
AMD 1.5 million / 15 transactions |
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Card-to-card transfer |
0.5% |
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Annual interest rate calculated on the positive balance of the card account |
2% |
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Penalty for exceeding the permitted payment limit |
36% |
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Card validity |
3 years |
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Urgent re-issue of the card in case of losing the card abroad |
125,000 |
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International card blocking initiated by the cardholder |
15,000 |
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- Increase of the established limit / limit increase / (cash and non-cash)• - Increase of the daily quantitative limit on card transactions /limit increase/ (no more than 50 transactions) shall be made without charging a commission fee.• A one-time increase of the daily limit on card transactions (cash and non-cash) up to twice the established limit, once a month, shall be made free of charge. |
Free of charge |
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Card Delivery |
PRIVE resident |
Resident |
Non-resident |
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Individual |
Legal entity |
Individual |
Legal entity |
Individual |
Legal entity |
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Card Delivery within Armenia ** |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
1,000 |
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Card Delivery to EAEU Countries *** |
10,000 |
10,000 |
10,000 |
10,000 |
10,000 |
10,000 |
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Card Delivery to Other Countries *** |
25,000 |
25,000 |
25,000 |
25,000 |
25,000 |
25,000 |
* If the card is not received from Unibank branches or received via courier delivery within 90 days, it will be automatically closed. To order a new card, the applicable fee must be paid again in accordance with the Bank’s current tariffs.
**
1. Cards issued within salary projects, as well as cards issued to depositors, are delivered free of charge.2. Cards issued within credit lines are delivered free of charge.
3. Visa Signature, Visa Infinite, Mastercard World Travel and Mastercard World Elite cards are delivered free of charge.
4. In case of remote renewal of a card’s validity period for clients who are residents of the Republic of Armenia, delivery is provided free of charge.
Delivery is not carried out in the following cases:
• the delivery address is located in a risk zone determined by the Bank or in a hard-to-reach location where delivery safety cannot be guaranteed;• the courier service is unable to contact the client, or the client refuses to receive the card at the agreed time;
• adverse weather conditions, road closures, or other emergency situations make safe transportation impossible.
*** Delivery is carried out by a courier service. The card and the PIN code are sent in sealed envelopes in strict compliance with security requirements.
In the event of any change to the delivery address at the client’s initiative, the applicable tariffs will apply, including in cases of free card delivery: within the Republic of Armenia - AMD 1.000; to EAEU countries - AMD 10.000; to other countries- AMD 25.000.