Commission Tariffs and Rates
Payment Cards
Payment cards [1]
|
Provided services |
MasterCardStandard / Visa Classic |
MasterCardGold / Visa Gold |
VisaBusiness |
VISA Infinite |
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|
Card provision |
0 |
0 |
0 |
0 |
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|
Annual service fee |
AMD 5,000 |
AMD 15,000 |
AMD 10,000 |
AMD 100,000 |
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|
Card annual service fee for foreign citizens [2] |
AMD 25,000 |
AMD 75,000 |
AMD 50,000 |
AMD 500,000 |
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|
Provision of additional card |
0 |
0 |
0 |
0 |
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|
Annual service fee of the additional card |
AMD 3,000ՀՀ |
AMD 10,000 |
AMD 7,000 |
AMD 70,000 or free of charge Visa Gold |
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|
Card account non-deductable balance |
0 |
0 |
0 |
0 |
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|
Annual interest rate calculated on the positive balance of the card account |
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|
Up to AMD 5 mln |
0 % |
0 % |
0 % |
1.5% |
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|
AMD 5 mln and above |
1 % |
1 % |
1 % |
2% |
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|
Foreign currency |
0 % |
0 % |
0 % |
0 % |
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|
Cash provision by the cards through the Bank’s ATMs and POS [3] |
AMD |
0.2% |
0.2% |
0.2% |
1% |
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|
USD and EUR |
0.5% |
0.5% |
0.5% |
1%[4] |
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|
Other foreign currency |
0.3% |
0.3% |
0.3% |
1% | |||
|
Cash provision with cards through ATMs and POS terminals of other banks of RA that are member of ArCa system |
0.8% |
0.8% |
0.8% |
1.2%[6] |
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|
Cash provision with cards through ATMs and POS terminals of foreign country banks that are not member of ArCa system [7] |
1% min AMD 1,500 |
1% min AMD 1,500 |
1% min AMD 1,500 |
1.5% min AMD 2500 [8] |
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|
Cash provision from card account within the premises of the Bank[9] |
AMD |
0.2% |
0.2% |
0.2% |
1% |
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|
USD an EUR |
0.5% |
0.5% |
0.5% |
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|
Foreign currency |
0.3% |
0.3% |
0.3% |
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|
Non-cash transactions performed through POS terminals of the Bank and other banks in shopping centers |
0 |
0 |
0 |
0 |
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|
Blocking of the card operation |
0 |
0 |
0 |
0 |
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|
Unblocking of card operation (in case of inputting wrong PIN or CVV code) |
AMD 1,000 |
AMD 1,000 |
AMD 1,000 |
AMD 1,000 |
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|
Card reissuance in case of validity expiration |
0 |
0 |
0 |
0 |
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|
Card reissuance in case of loss, damage or loss of PIN code |
AMD 3,000 |
AMD 10,000 |
AMD 5,000 |
AMD 30,000 |
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|
PIN code generation request |
AMD 1,000 |
AMD 1,000 |
AMD 1,000 |
AMD 1,000 |
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|
Monthly statement provision of card account |
0 |
0 |
0 |
0 |
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|
Statement provision of card account for the period more than 1 month[10] |
AMD 1,000 |
AMD 1,000 |
AMD 1,000 |
0 |
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|
Cash deposit through bank ATMs (ATM CASH-IN) that are member of “ArCa” system |
0.6 % |
0.6 % |
0.6 % |
0.6 % |
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|
SMS notification on performed transaction |
Transactions up to AMD 5,000[14] |
AMD 20 |
AMD 20 |
AMD 20 |
AMD 20 |
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| Transactions exceeding AMD 5,000 |
0 |
0 |
0 |
0 |
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|
Overlimit penalty |
20% annual |
20% annual |
20% annual |
20% annual |
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|
Credit limit provision application review fee |
AMD 2,000 |
AMD 2,000 |
AMD 2,000 |
0 |
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|
Credit limit increase application review fee for an existing credit limit |
AMD 1,000 |
AMD 1,000 |
AMD 1,000 |
0 |
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|
Commission for increasing withdrawal limits in one day for the entire duration of the card's validity |
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|
Change of withdrawal limit up to 5 million AMD |
AMD 2,900 |
AMD 2,900 |
AMD 2,900 |
0 |
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|
Change of withdrawal limit up to AMD 5 million and more |
AMD 4,900 |
AMD 4,900 |
AMD 4,900 |
0 |
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|
Dispute of the transactions performed by the card [11] |
AMD 5,000 |
AMD 5,000 |
AMD 5,000 |
AMD 5,000 |
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| Expired payment card card account maintenance fee | AMD 2,000 per month, and in case of insufficient funds, in the amount of the account balance. | ||||||
[1] MasterCard Standard, Visa Classic, MasterCard Gold, Visa Gold and VISA Infinite payment cards are provided to physical individuals, and Visa Business payment card are provided to legal entities.
[2]The 3 year maintenance fee is to be paid as a lump sum at the time of opening the card
For any transaction carried out with payment card accounts (without the presence of a payment card) with the presence of a credit limit (overdraft) for an additional period (with a grace period), the tariffs set for Payment cards defined in this chapter apply (The tariff is applied only from 01/06/2018 including for payment cards provided).
The tariffs for issuing and servicing salary payment cards are set by the contract signed with the employer of the card holder. By the decision of the Bank's Board, other conditions and tariffs for issuing payment cards may be established.
[3] 1% for the cards with credit limit (overdraft) with additional term (grace period)
[4] The tariff is valid for any type of the additional cards linked to Visa Infinite card.
[5] 1.5% min AMD 2,500 for the cards with credit limit (overdraft) with additional term (grace period)
[6] The tariff is valid for any type of the additional cards linked to Visa Infinite card.
[7] 1% for the cards with credit limit (overdraft) with additional term (grace period) min 2,500 AMD
[8] The fee applies to any type of additional cards provided with the VISA Infinite card.
[9] In the case of a VISA Infinite payment card, the specified tariff applies also when making a transfer from the card account of a VISA Infinite payment card.
1% for the cards with credit limit (overdraft) with additional term (grace period), foreign currency 1%
This tariff is valid also in the event of making a transfer from the card account of the card with the presence of a credit limit (overdraft) for an additional period (with a grace period).
[10] Commissions are shown inclusive of VAT
[11] Amount is charged only in case if during the dispute investigation it is revealed that the transaction has been performed by the customer or the card usage rules have been violated
[12] Tariff also applies to the SMS message sent in case of transaction rejection, regardless of the amount of the transaction.
