Commission Tariffs and Rates
Visa Digital cards
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Visa Digital Cards |
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Card type |
Visa Digital |
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Card Currency |
AMD, USD, EUR |
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Visa Digital service fee |
One-time 1,000 AMD, and for foreigners - one-time 50,000 AMD. |
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Non-decreasing card account balance |
not defined |
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Annual interest calculated on the positive balance of the card account[1] |
AMD 4%, USD 1%, EUR 0.5% |
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Cash back for card transactions[2] |
In case of transactions made with POS and vPOS terminals of ArCa system banks |
0.25 % |
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Not in the case of transactions made with (foreign) POS and vPOS terminals of ArCa system banks |
0.5 % |
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Issuance, reissuance of PIN code |
AMD 2,000 |
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Withdrawal[3] |
From the Bank's ATMs, through the Bank's POS terminals |
AMD 2 % |
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USD 2 % |
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EUR2 % |
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through ATMs and POS terminals of RA banks that are members of the ArCa system |
2.5 % |
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From ATMs and POS-terminals of other banks |
2.5 %, min AMD 1,500 |
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Maximum daily withdrawal limits |
Accumulative |
AMD 1,000,000 or equivalent foreign currency |
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Quantitative |
10 |
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Maximum amount limit of one ATM withdrawal transaction |
Minimum AMD 300,000 (depends on the AGM) |
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Depositing cash through the Bank's payment terminals |
0 |
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Maximum limit of one transaction of cash input through the bank's payment terminals |
AMD 100,000 |
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Depositing cash with ATMs of the Bank and other member banks of ArCa (ATM CASH-IN) |
0.6 % |
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Replenishment of card account by cashless transfer |
0 |
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Commission for non-cash payment for goods and services |
0 |
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Transactions |
Card-to-card transfers through the www.arca.am website and ATMs |
0.3 % |
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Card-to-card transfers to payment cards of other banks that are members of the ArKa system |
0.5% |
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Card suspension |
0 |
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Unsuspension of card operation (in case of incorrect PIN code or CVV entry) |
AMD 500 |
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Card reissuance upon expiration |
0 |
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Card reissuance for other reasons |
AMD 2,000 |
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Generating a new PIN code |
AMD 1,000 |
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Issuance of monthly card account statement |
0 |
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Provision of card account statement for a period of more than 1 month [4] |
0 |
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Receive SMS messages about transactions |
Transactions up to AMD 5,000[6] |
AMD 20 |
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Transactions exceeding AMD 5,000 |
0 |
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Commission for increasing the number of withdrawal transactions or limits |
0 |
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Card transaction appeal application[5] |
AMD 5,000 |
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Penalties for overspending |
20% annually |
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Credit limit facility |
Available: According to Lending Terms and Rates |
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[1] Interest is paid quarterly.
[2] Cash back is provided up to and including the 10th working day of each month. If the amount of accumulated cashback does not exceed AMD 100 or the equivalent foreign currency, it is added to the amount of cashback accumulated during the following month and transferred to the customer's account in the following month if it exceeds AMD 100.
Cash back is not provided for utility and equivalent payments, betting/gambling websites, e-wallet replenishment and payment transactions made in financial institutions.
[3] Withdrawing cash from a digital card or depositing cash through ATM CASH-IN of the Bank and other ArKa member banks is possible only if the PIN code is available.
[4] Commissions are shown inclusive of VAT.
Minimum balance on which % accrual is carried out: AMD 0
[5] Charged only when the appeal process has determined that the transaction was made by the customer or as a result of a violation of the rules of use of the card by the customer.
[6] The tariff also applies to the SMS message sent in case of transaction rejection, regardless of the amount of the transaction.
