Mastercard Standard

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Retail
Cards
Cards
Master
Mastercard Standard

Payment Cards*

Services

MasterCard Standard / Visa Classic

MasterCard Gold / Visa Gold^[2]

Visa Business

VISA Infinite

Card issuance

Card service

Annual

AMD 2500 (Offer valid from 15.11-31.12)

AMD 7500 (Offer valid from 15.11-31.12)

AMD 10,000

AMD 100,000

Monthly

MasterCard Standard - AMD 500

MasterCard Gold - AMD 1,500

For non-resident Bank customers since 24.02.2022

Visa Business cards: annual service fee for foreign sole proprietors and legal entities registered in Armenia^[3]

AMD 15,000

AMD 45,000

AMD 30,000

AMD 300,000

Issuance of a supplementary card

Supplementary card annual service fee^[4]

AMD 3,000

AMD 10,000

AMD 7,000

AMD 70,000 or a free Visa Gold card

Required minimum balance

Annual interest rate (%) accrued on the card account balance

Up to AMD 5 million

0 %

1.5%

Equal to or over AMD 5 million

1 %

Foreign currency

0 %

Cash withdrawal via Bank’s ATMs and POS-terminals^[5]

AMD

0.2%, free for MasterCard Standard and Gold cards used to withdraw up to AMD 1,000,000 per month.

0.2%

USD and Euros

0.5%

1%^[6]

Other currencies

0.3%

Cash withdrawal via ATMs and POS-terminals of other RA banks-ArCa members^[7]

0.8%

1.2%^[8]

Cash withdrawal via ATMs and POS-terminals of foreign banks and RA banks non-members of ArCa ^[9]

1%, min AMD 1,500

1.5%, min AMD 2,500 [10]

Cash withdrawal from a Bank teller^{[11] [12] [13]}

AMD

0.2%, free for MasterCard Standard and Gold cards used to withdraw up to AMD 1,000,000 per month.

0.2%

USD and Euros

0.5%

Other currencies

0.3%

Fee for cashless payments in stores using POS-terminals of the Bank and other banks

Card blocking

Card unblocking (in case of wrong PIN or CVV input)

AMD 1,000

Expired card replacement

Stolen, damaged or lost card replacement

AMD 3,000

AMD 10,000

AMD 5,000

AMD 30,000

New PIN generation

AMD 1,000

Monthly account statement

Card account statement for a period over 1 month^[14]

AMD 1,000

Depositing cash via cash-in ATMs of ArCa member banks

0.6 %

Transactional SMS

Transactions under AMD 5,000^[15]

AMD 20

Transactions exceeding AMD 5,000

Penalty for overspending

20 % per year

Card-to-card transfers via ATMs

Transfer to a Bank debit card ^[16]

0.3%

Transfer to debit cards of other banks-members of ArCa and banks working with ArCa via H2H channel ^[17]

0.5%

1.2%

Card-to-card transfers via EvocaTouch/EvocaOnline within the Bank

To same currency card

To another currency card

0.3%

Card-to-card transfers via EvocaTouch/EvocaOnline to debit cards of other banks-members of ArCa and banks working with ArCa via H2H channel

0.5%

1.2%

Fee for reviewing credit limit request

AMD 2,000

Fee for reviewing credit limit increase request

AMD 1,000

Cash withdrawal limit

AMD 1,000,000

AMD 2,000,000

AMD 1,000,000

AMD 5,000,000

Maximum number of daily cash withdrawal transactions

Maximum amount of cash withdrawal per transaction (via ATMs)

AMD 300,000 (depending on ATM type)

Fee for increasing daily limit of cash withdrawal transactions or their amount for the entire period of card validity

Fee for changing cash withdrawal limit up to AMD 5 million

AMD 2 900

Fee for changing cash withdrawal limit over AMD 5 million

AMD 4 900

Card transactions appeal fee ^[18]

AMD 5,000

Expired card service fee

AMD 2000 per month, if the funds in the account are insufficient – the Bank will debit the funds in the account.

Service fees for Payment Cards issued by other banks (except MIR cards)
Services	Cash withdrawal using cards issued by non-ArCa member banks, other than those working with ArCa via H2H channel (except MIR cards)
Cash withdrawal via Bank’s ATMs	service fee: 1.5 %, min AMD 1,000
Cash withdrawal via Bank’s POS-terminals	service fee: 3 %, min AMD 2,000

Service fee for local card-to-card transfers using Bank's virtual terminals
Using Bank's POS-terminals
Transactions implemented using cards issued by the Bank	0
Transactions implemented using cards issued by ArCa member banks and those working with ArCa processing center via H2H channel	0.5%

Fees for Visa Direct and Money Send services using Bank's virtual terminals
Fees for transferring funds from the Bank's Arca, Visa and Mastercard cards
Visa Direct	Mastercard Money Send
1.0 % (service fee) + a fee for card-to-card transfer applied to the type of card in question, minimum amount: AMD 1,000	1.0% (service fee) + a fee for card-to-card transfer applied to the type of card in question, minimum amount: AMD 1,000
Daily card transaction limit in terms of their amount and number
Maximum amount per transaction	AMD 250,000
	USD 500
	Euro 400
	RUB 6,000
Maximum number of daily transactions via the same payment system	5
Maximum amount of daily transactions via the same payment system	AMD 1,000,000
	USD 2,000
	Euro 1,600
	RUB 26,000

* MasterCard Standard, Visa Classic, MasterCard Gold, Visa Gold and VISA Infinite debit cards are tailored for needs of individuals, while Visa Business cards are designed for legal entities.

For any transactions implemented using the debit card tied to the checking account with an additional (grace) period credit limit (overdraft), the Bank applies the fees set for debit cards (applicable only to debit cards issued after 01/06/2018).

The fees for issuance and service of bank payroll cards are specified in the agreement made between the Bank and the cardholder's employer. The Management Board may set other terms and fees for debit card issuance.

^[2] Effective 25.11.2024, Visa Gold cards are no longer issued by the Bank.

^[3] The fee for a 5-year service will be billed as a one-time charge payable at the time of opening a bank account.

^[4] The five-fold fee will be applied to foreign citizens, and supplementary cards will be issued on condition of upfront payment of a three-year service fee.

^[5] For cards with additional (grace) period credit limit (overdraft) - 1 %.

^[6] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.

^[7]For cards with additional (grace) period credit limit (overdraft) - 1.5 %.

^[8] The fee will apply to any types of supplementary cards tied to a VISA Infinite card.

^[9] For cards with additional (grace) period credit limit (overdraft) - 1.5 %, min AMD 2,500.

^[10] The fee for VISA Infinite cards will apply to any types of supplementary cards linked to a VISA Infinite card.

^[11] The mentioned fee will be charged also for transferring funds from card account of VISA Infinite debit card.

^[12] For cards with additional (grace) period credit limit (overdraft) - in AMD - 1%, in foreign currency - 1%. The fee will be charged for card-to-card transfers using cards with additional (grace) period credit limit (overdraft).

^[13] The fee set for VISA Infinite cards will be charged also for any types of supplementary cards linked to VISA Infinite card.

^[14] All fees include VAT.

^[15] The fee will apply also to declined transactions, irrespective of the transaction amount.

^[16] For cards with additional (grace) period credit limit (overdraft) - 1%.

^[17] For cards with additional (grace) period credit limit (overdraft) - 1.5%.

^[18] Will be charged only in cases when the Bank's investigation shows that the transaction was implemented by the customer or as a result of violation of card rules by the customer.