Deposits Tariffs
Classical Deposit
|
Minimum amount and currency |
Method of payment of interest |
Acceptance dates according to the number of days |
||||||
|
31 - 90 days |
91 - 180 days |
181 - 270 days |
271 - 365 days |
366 - 549 days |
550 - 730 days |
731 - 1825 days |
||
|
100,000 AMD |
Interest payable at the end of the term |
4.50 % |
6.00 % |
7.00 % |
8.00 % |
9.50 % |
10.00 % |
10.50 % |
|
With monthly interest payments |
4.00 % |
5.50 % |
6.50 % |
7.50 % |
9.00 % |
9.50 % |
10.00 % |
|
|
Interest paid quarterly |
- |
5.50 % |
6.50 % |
7.50 % |
9.00 % |
9.50 % |
10.00 % |
|
|
200 USD |
Interest payable at the end of the term |
0.75 % |
2.00 % |
2.50 % |
3.00 % |
4.00 % |
4.50 % |
5.00 % |
|
With monthly interest payments |
0.50 % |
1.75 % |
2.25 % |
2.75 % |
3.75 % |
4.25 % |
4.75 % |
|
|
Interest paid quarterly |
- |
1.75 % |
2.25 % |
2.75 % |
3.75 % |
4.25 % |
4.75 % |
|
|
200 Euro |
Interest payable at the end of the term |
0.35 % |
1.00 % |
1.50 % |
1.75 % |
2.00 % |
2.50 % |
3.00 % |
|
With monthly interest payments |
0.25 % |
0.75 % |
1.25 % |
1.50 % |
1.75 % |
2.25 % |
2.75 % |
|
|
Interest paid quarterly |
- |
0.75 % |
1.25 % |
1.50 % |
1.75 % |
2.25% |
2.75 % |
|
|
30,000 Russian ruble |
Interest payable at the end of the term |
4.00 % |
5.00 % |
5.25 % |
5.50 % |
6.00 % |
- |
- |
|
With monthly interest payments |
3.75 % |
4.75 % |
5.00 % |
5.25 % |
5.75 % |
- |
- |
|
|
Interest paid quarterly |
- |
4.75 % |
5.00 % |
5.25 % |
5.75 % |
- |
- |
|
1. The deposit is accepted from individuals and legal entities both at the Bank's place of business and through the "EvocaTouch" or "EvocaOnline" remote control systems.
2. The Depositor can supplement (increase) his Deposit amount starting from at least 100,000 AMD, 200 US Dollars, 200 Euros or 30,000 Russian Rubles.
In case of making a deposit with the possibility of increase, an interest rate of 0.5% less than the interest rates of the above scale is set for deposits in AMD, and an interest rate of 0.25% less than the interest rates of the above scale is set for deposits in US dollars, Euros and Russian rubles. The sum of all the replenishments made cannot exceed the initial amount of the Deposit investment. During the last 3 (three) months of the validity of the deposit contract, replenishment of the deposit amount is not allowed.
3. Partial deduction of the deposit amount is not allowed.
4. In case of early termination of the deposit agreement at the depositor's request, the Bank recalculates the deposit interest at the following rates:
|
Deposit currency |
Annual interest rate by term |
|
|
Up to 365 days |
366 - 1095 days |
|
|
AMD |
0.5 % |
8.5 % |
|
USD |
0.1 % |
3.5 % |
|
EUR |
0.1 % |
1.5 % |
|
RUB |
0.1 % |
5 % |
5. Partial deduction of the deposit amount is not allowed.
Additional terms
1. At the request of a depositor who is an RA citizen, the Bank can issue a payment card without charging an annual service fee.
2. The types of payment cards provided, according to the amount of the deposited deposit, are defined below:
|
Deposit currency/ card type |
MasterCard Standard/ Visa Classic |
MasterCard Gold/Visa Gold |
VISA Infinite |
|
AMD |
500,000 – 25,000,000 |
25,000,001 –50,000,000 |
50,000,001 and above |
|
USD |
1,000 – 50,000 |
50,001 – 100,000 |
100,001 and above |
|
EUR |
1,000 – 40,000 |
40,001 – 100,000 |
100,001 and above |
|
RUB |
60,000 – 3,000,000 |
3,000,001 – 7,000,000 |
7,000,001 and above |
In case of expiration of the term of the deposit or early termination of the contract of the deposit, the maintenance of the payment card provided for the investment of the deposit continues without charging the annual service fee, until the end of the service period of the payment card, except for the Visa Infinite payment cards provided for the investment of the deposit In case of premature termination of the Deposit contract by the cardholders or the expiry of the term of the Deposit, the Visa provided for the investment of that Deposit is also closed. The Infiite payment card or at the customer's request operates according to the tariffs and rates currently in effect in the Bank.
Amount of annual percentage yield of the deposit
You can familiarize yourself with the annual interest rate according to deposit types, calculated according to the procedure established by the RA Central Bank, below:
IT-nominal interest rate
TTE-annual percentage yield
|
CLASSIC TRADITIONAL ANNUAL PERCENTAGE YIELD |
|||||||||||||||
|
Currency |
31-90 days |
91-180 days |
181-270 days |
271-365 օր |
366-549 օր |
550-730 օր |
731-1825 օր |
||||||||
|
Nominal %-rate |
Annual Percentage Yield (APY) |
Nominal %-rate |
Annual Percentage Yield (APY) |
Nominal %-rate |
Annual Percentage Yield (APY) |
Nominal %-rate |
Annual Percentage Yield (APY) |
Nominal Interest Rate |
Annual Percentage Yield (APY) |
Nominal Interest Rate |
Annual Percentage Yield (APY) |
Nominal Interest Rate |
Annual Percentage Yield (APY) |
||
|
Monthly interest payment |
|||||||||||||||
|
AMD |
4.00% |
4.07% |
5.50% |
5.64% |
6.50% |
6.70% |
7.50% |
7.76% |
9.00% |
9.38% |
9.50% |
9.92% |
10.00% |
10.47% |
|
|
USD |
0.50% |
0.50% |
1.75% |
1.76% |
2.25% |
2.27% |
2.75% |
2.78% |
3.75% |
3.82% |
4.25% |
4.33% |
4.75% |
4.85% |
|
|
EUR |
0.25% |
0.25% |
0.75% |
0.75% |
1.25% |
1.26% |
1.50% |
1.51% |
1.75% |
1.76% |
2.25% |
2.27% |
2.75% |
2.78% |
|
|
RUR |
3.75% |
3.82% |
4.75% |
4.85% |
5.00% |
5.12% |
5.25% |
5.38% |
5.75% |
5.90% |
- |
- |
- |
- |
|
|
Quarterly interest payment |
|||||||||||||||
|
AMD |
- |
- |
5.50% |
5.61% |
6.50% |
6.66% |
7.50% |
7.71% |
9.00% |
9.31% |
9.50% |
9.84% |
10.00% |
10.38% |
|
|
USD |
- |
- |
1.75% |
1.76% |
2.25% |
2.27% |
2.75% |
2.78% |
3.75% |
3.80% |
4.25% |
4.32% |
4.75% |
4.84% |
|
|
EUR |
- |
- |
0.75% |
0.75% |
1.25% |
1.26% |
1.50% |
1.51% |
1.75% |
1.76% |
2.25% |
2.27% |
2.75% |
2.78% |
|
|
RUR |
- |
- |
4.75% |
4.84% |
5.00% |
5.09% |
5.25% |
5.35% |
5.75% |
5.87% |
- |
- |
- |
- |
|
|
Annual or term-end interest payments |
|||||||||||||||
|
AMD |
4.50% |
4.50% |
6.00% |
6.00% |
7.00% |
7.00% |
8.00% |
8.00% |
9.50% |
9.50% |
10.00% |
10.00% |
10.50% |
10.50% |
|
|
USD |
0.75% |
0.75% |
2.00% |
2.00% |
2.50% |
2.50% |
3.00% |
3.00% |
4.00% |
4.00% |
4.50% |
4.50% |
5.00% |
5.00% |
|
|
EUR |
0.35% |
0.35% |
1.00% |
1.00% |
1.50% |
1.50% |
1.75% |
1.75% |
2.00% |
2.00% |
2.50% |
2.50% |
3.00% |
3.00% |
|
|
RUR |
4.00% |
4.00% |
5.00% |
5.00% |
5.25% |
5.25% |
5.50% |
5.50% |
6.00% |
6.00% |
- |
- |
- |
- |
|
