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Debit cards with overdraft

Card Subtype

ArCa Classic

ArCa Mir

ArCa Carrefour Smile1

VISA Classic
Mastercard Standard

VISA Classic
Student

VISA Gold
Mastercard Gold

VISA Platinum
Mastercard Platinum

Currency

AMD

AMD

AMD

AMD/USD/EUR

AMD/USD/EUR

AMD/USD/EUR

AMD/USD/EUR

Card validity period

2 years

4 years

2 years

4 years

4 years

4 years

4 years

Sticker (additional contactless card linked to the primary card) validity period

2 years

2 years

-

2 years

2 years

2 years

2 years

 Card issuance

Free

Free

Free

Free

Free

Free

Free

Card service 

AMD 2,500 annually

AMD 2,500 annually

 AMD 1,000 annually;
if ordered as part of Smart package or by
Internet/Mobile Banking systems, no fee is applied

AMD 2,500 annually

Free

AMD 2,000 monthly/ AMD 20,000 annually

AMD 3,000 monthly/ AMD 30,000 annually

Card package service fee

-

-

-

-

-

 AMD 2,000 monthly/ AMD 20,000 annually

AMD 2,000 monthly/ AMD 20,000 annually

Card package

 

-

-

-

-

1. Travel insurance by an insurance company
2. Priority Pass Card2

1. Travel insurance by an insurance company
2. Priority Pass Card2

 Additional card issuance

Free

Free

-

Free

Free

Free

Free

Annual service of additional card

AMD 1,000

1,000 ՀՀ դրամ

-

AMD 1,000

AMD 1,000

Free

Free

Annual service of sticker (contactless card linked to primary card)

AMD 3,000

AMD 3,000

-

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

Provision of PIN in an envelope (chargeable only for the newly issued cards)3

AMD 1,000,
VAT included

AMD 1,000,
VAT included

AMD 1,000,
VAT included

AMD 1,000,
VAT included

AMD 1,000,
VAT included

AMD 1,000,
VAT included

AMD 1,000,
VAT included

Generating PIN using OTP (in case of loss of PIN)

AMD 500,
VAT included

AMD 500,
VAT included

AMD 500,
VAT included

AMD 500,
VAT included

AMD 500,
VAT included

AMD 500,
VAT included

AMD 500,
VAT included

Minimum card account balance

N/A

N/A

N/A

N/A

N/A

N/A

N/A

Annual interest rate accrued on the card account balance

0%

0%

0%

0%

AMD 3%
USD 0%
EUR 0%

0%

0%

Provision of the card within one banking day4

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

Sticker reissuance (in case of loss, damage, theft, loss of PIN or its disclosure to third parties)

AMD 1,500

AMD 1,500

-

AMD 1,500

AMD 1,500

AMD 1,500

AMD 1,500

Card reissuance (in case of loss, damage, theft, loss of PIN or its disclosure to third parties)

AMD 1,500

AMD 1,500

AMD 1,000

AMD 1,500

AMD 1,500

AMD 5,000

AMD 5,000

Card reissuance via Internet Bank/Mobile Banking (in case of card loss, damage, theft, loss of PIN or its disclosure to third parties)

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 3,000

AMD 3,000

Card reissuance (upon expiry of validity period or in case of seizure of the card by ATMs of other Armenian banks)

Free

Free

Free

Free

Free

Free

Free

Priority Pass reissuance (in case of card loss, damage or theft)

-

-

-

-

-

AMD 5,000,
VAT included

AMD 5,000,
VAT included

Accelerated return of Ameriabank cards swallowed by Ameriabank ATMs

AMD 500 for ATMs within Ameriabank branch premises (cards to be returned within the same business day)
AMD 1,500 if the card has been swallowed in Yerevan or other towns with Ameriabank presence (cards to be returned within 2 business days)
AMD 5,000 if the card has been swallowed in other communities (cards to be returned within 5 business days)

Accelerated return of other bank cards swallowed by Ameriabank ATMs

AMD 3,000 for ATMs within Ameriabank branch premises (cards to be returned within the same business day)
AMD 5,000 if the card has been swallowed in Yerevan or other towns with Ameriabank presence (cards to be returned within 2 business days)
AMD 10,000 if the card has been swallowed in other communities (cards to be returned within 5 business days)

Quick activation of the credit limit (within 1 hour after approval)

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

Card blocking 

Free

Free

Free

Free

Free

Free

Free

Card unblocking

Free

Free

Free

Free

Free

Free

Free

Keeping the card in international STOP-LIST (for 7 days)5

-

-

-

AMD 9,000

AMD 9,000

AMD 9,000

AMD 9,000

Maximum daily cash withdrawal limit (total)

AMD 500,000

AMD 500,000

AMD 500,000

AMD 1,000,000, USD 3,000, EUR 3,000

AMD 1,000,000, USD 3,000, EUR 3,000

AMD 2,000,000, USD 6,000, EUR 6,000

AMD 2,500,000, USD 8,000, EUR 8,000

Increase of maximum daily cash withdrawal limit (total)

 a) One-time (new limit effective until 3:00 p.m. of the following business day)

AMD 3,000

AMD 3,000

-

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

 b) For the entire validity period of the card

AMD 10,000

AMD 10,000

-

AMD 10,000

AMD 10,000

AMD 10,000

AMD 10,000

 Maximum number of cash withdrawal transactions per day

5

5

-

5

5

5

5

Cash withdrawal6

      a) at Ameriabank ATMs

0%

0%

-

0%

0%

0%

0%

      b) at counters of Ameriabank branches, including POS-terminals7

0.2%, minimum AMD 500

0.2%, minimum AMD 500

5%

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

      c) from other ATMs and cashing centers

1.0%

1.0%

-

1.0%

1.0%

1.0%

1.0%

Cash deposit into Ameriabank card accounts via Ameriabank's cash-in machines

Free

Free

Free

Free

Free

Free

Free

Cash deposit into Ameriabank card accounts via cash-in machines of other banks

0.6%

0.6%

0.6%

0.6%

0.6%

0.6%

0.6%

Non-cash payments with cards at merchants/service-providers, including online shops and service-providers

Free

Free

Free

Free

Free

Free

Free

Transfers from cards/card accounts, on the basis of card number (via Internet Banking/Mobile Banking app, ATMs, ArCa app or website)8

0.3%

0.3%

-

0.3%

0.3%

0.3%

0.3%

Transfers from card accounts to other accounts, at the Bank premises or via Internet Banking/Mobile Banking app (including with currency exchange)9

  Fee specified in Section 4 (Transfers) of Ameriabank CJSC Tariffs for transfers per respective type and currency

5% + Fee specified in Section 4 (Transfers) of Ameriabank CJSC Tariffs for transfers per respective type and currency

Fee specified in Section 4 (Transfers) of Ameriabank CJSC Tariffs for transfers per respective type and currency

Transfers from cards to accounts/cards of Ameriabank customers via the Bank website10

2.0%

2.0%

-

2.0%

2.0%

2.0%

2.0%

Ameriastream transfers11

 

a) transfers made from a card account via Internet Banking/Mobile Banking app

1.0%

1.0%

-

1.0%

1.0%

1.0%

1.0%

 b) transfers made via the Bank website (web version)

2.0%

2.0%

-

2.0%

2.0%

2.0%

2.0%

E-wallet top-up with a card

0%

0%

-

0%

0%

0%

0%

 Provision of statements

According to Ameriabank CJSC Tariffs for Individuals, Chapter 2, section “Provision of statements, information and copies of documents”

SMS notification (for transactions in the amount of AMD 10,000 or foreign currency equivalent and more)

Free

Free

Free

Free

Free

Free

Free

SMS notification (for any amount without limitations)

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

Card transaction dispute fee (payable if it is proved that the transaction was performed (i) by the client or (ii) by the client due to the breach of the card rules)

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

Chargeback claim fee for non-Ameriabank cards

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

-

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

Card delivery

    a) Within Armenia and Artsakh

Free

Free

Free

Free

Free

Free

Free

    b) Other countries

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

Provision of cards at the Bank branches (chargeable only for the newly issued cards)12

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

Card transaction insurance as per Ameriabank CJSC Card Insurance Terms during the period they are effective13

-

-

-

 

 AMD 3,000 yearly

 

 AMD 3,000 yearly

 

 AMD 5,000 yearly

 

 AMD 5,000 yearly

1 The card may be used solely at Carrefour stores (not applicable in case of online shopping). It is not possible to withdraw cash from the card except for the cash withdrawal at tellers at any of Ameriabank branches. Furthermore, if the card is closed and there is a balance on the card account, it may be withdrawn in cash without any fee.
Cashback on any card transaction is 3% (taxes included), but maximum cashback amount per transaction is AMD 2,000 (taxes included) irrespective of the transaction value.
The cashback is paid out by the last business day of the month following the month of the transaction (purchase)."

2 The fee charged by Priority Pass for the lounge access at the airports shall be charged to the client's account in accordance with the Priority Pass invoice.

3 The fee is not applied in case of cards issued for disbursement of score-based loans, or as part of Smart account and payroll projects.

4 The service is available if the card is ordered at the Yerevan-based branches. The ordered cards are provided in Kamar Branch only. Furthermore, if the client submitted the card application before 4:00 p.m. of the banking day, the card may be provided on the same banking day. If the card application was submitted after 4:00 p.m., the card will be provided on the next banking day.

5 Suspension of unauthorized card transactions worldwide

6 If after cash withdrawal the client closes his all accounts with the Bank, and the total account balance is less than the required minimum cash withdrawal fee, no cash withdrawal fee shall be charged.

7 No fees are charged if over AMD 1 million is withdrawn from the AMD-denominated card account Cash cannot be withdrawn at POS terminals with ArCa Carrefour Smile cards.

8 The amount will be available on the beneficiary’s card instantly. In case of Ameriabank cards, the amount will be activated on the account on the next business day, while in case of the cards issued by other banks, activation on the account shall be subject to the terms and conditions of the issuing bank.

9 No fees are charged for utility payments made at the Bank branches and via Internet Banking/Mobile Banking app.

10 Max 3 transactions per day per account. Max limit per transaction: 500,000 for AMD; 1,000 for USD; 1,000 for EUR; 50,000 for RUB.

11 Maximum amount per Ameriastream transfer is AMD 200,000, minimum amount is AMD 1,000, and the amount should be a multiple of 1,000. The maximum amount of cash withdrawal within 24 hours is AMD 200,000 if the amount to be received comes from Ameriastream transfers made with specification of the same phone number in the transfer application(s).

12 The fee is charged at the time of ordering and is not applied (i) for issuance of additional cards in the name of a third person if such third person is not in the Bank at the time of applying, and (ii) if the card is to be provided within one banking day, in which case only the fee for the specified service shall apply.

13 No fee if there is an overdraft on the card.