Account Lending

Are you an account holder customer of Evocabank for at least 1 year? Evocabank will support you to cover current expenses of your business!

Account Lending




Bank Customers of at least one year


Salary payment, repayment of liabilities towards the state budget, custom clearance of the imported goods, payments for the goods that are on the way and similar purposes


Up to 30% of the annual turnover of borrower’s account

Provision method


Repayment period

Up to 180 days

Interest rate

Starting from 12.5% for AMD, starting from 8% for USD, starting from 7% for EUR

Penalty for loan principal and/or interest overdue

  • For overdue principal - 0,015 % daily
  • For overdue interest - 0.1% daily

Early payment penalty

  • Is not charged if the borrower makes payments from their own funds,
  • In case of payments made at the expense of funds from other financial organizations, the Bank will impose a penalty for loan prepayment.


The Bank is entitled without further authorization by the borrower to debit the Borrower’s debt from the funds available on the borrower’s account. The right is also stipulated within the account crediting agreement. 


Credit account service fee in the amount of 0.5% of the loan amount, but not less than 20,000 AMD, maximum 100,000 AMD.

In case if the loan amount is received in cash, a cash withdrawal fee is charged from the bank account according to the current tariffs.


  • If you do not pay the interest and loan amount on time, the mortgaged property may be SEIZED in accordance with the law, and your information will be recorded in the Credit Register (which may subsequently prevent you from receiving new loans).
  • In the case of repayment of obligations on the account of collateral as a result of non-fulfillment of credit obligations, if the value of the collateral is not sufficient to cover the credit obligations of the borrower, then we (according to the current legislation) have the opportunity to repay the loan obligations on account of your other property (if any).

Online and Mobile Banking

Evocabank is a fast, simple and innovative service bank, distinguished by the active use of the latest information technologies.

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