UnionPay Gold

Card type

UPI GOLD, UPI BUSINESS PLATINUM 

Card currency

AMD, USD, Euros

Card validity

 5 years

Card issuance fee

 0

Card service fee

AMD 15,000 per year
For foreign non-resident individuals who became Bank customers after 24.02.2022: For  UPI Business Platinum cards – annual card service fee for individual entrepreneurs and legal entities with foreign citizenship registered in Armenia– AMD 30,000. 

Supplementary card issuance and annual fee for supplementary card service

Issuance - 0, annual service fee – AMD 7,500

Required minimum balance

Not required

Annual interest accrued on card account balance

0%

Cash withdrawal from Bank’s ATMs 

AMD - 0․50%

Cash withdrawal using Bank's POS-terminals and card account debiting in Bank's premises

AMD and foreign currency - 1%

Cash withdrawal using ATMs and POS-terminals of other ArCa member banks

1%

Cash withdrawal using ATMs and POS-terminals of foreign banks

1.5%, min AMD 2,000

Maximum cash withdrawal limit

UPI GOLD- AMD 2,000,000
UPI BUSINESS PLATINUM- AMD 1,000,000

Maximum number of daily withdrawal transactions

 10 transactions

Maximum transaction amount for a single withdrawal via ATM

Minimum AMD 300,000 (depending on the type of ATM)

Cashless payments in stores using POS-terminals of the Bank and other banks

 0

Card blocking

 0

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

 AMD 1,000

Expired card replacement

 0

Card replacement if lost, damaged or PIN-code lost 

AMD 7,500

Application for issuance of new PIN-code

AMD 1,000

Account crediting using ATMs (ATM-CASH-IN) of ArCa-member banks

 0.70%

Transactional SMS

Transactions up to AMD  5,000 – AMD 20

Transactions exceeding AMD 5,000 - 0

Card-to-card transfers using ATMs

Transfer to a Bank account - 0.3 %
Transferring funds to payment cards of other ArCa-member banks and banks working with ArCa via H2H channel - 0.5%

Transferring funds via EvocaTouch/EvocaOnline within the Bank

To same currency card - 0%
To another currency card - 0.3%

Transferring funds via EvocaTouch/EvocaOnline to payment cards of other ArCa-member banks and banks working with ArCa via H2H channel

0.5%

Transfer to payment cards of other Armenian banks

0.50%

Changes in limits of cash withdrawal up to AMD 5 mln

AMD 2,900

Changes in limits of cash withdrawal equal to or more than AMD 5 mln

AMD 4,900

Card transactions appeal fee

AMD 5,000

Expired card service fee

UPI GOLD - AMD 2,000 per month, if funds are insufficient, at the amount of account balance.
UPI BUSINESS PLATINUM- AMD 2,000 per month, if funds are insufficient, at the amount of account balance.