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Arca Classic

Arca Classic

Tarrifs for ArCA card

N Service Type Arca CLASSIC
1 Card Issue 0
2 Additional*/attached card issuance** 1 500 AMD
3 In case of annual payment1 2 500 AMD
4 Merchant transactions 0
5 Cash withdrawal at Bank POS-terminals and ATMs

AMD 0.2 % / Foreign exchange 0.3%

6 Cash withdrawal at POS-terminals and ATMs of other ArCa system banks 1%
7 Maximum limit of daily cash withdrawal 300 000 AMD
8 Maximum available number of daily encashment transactions 10
9 Provision of a statement from the card account with the frequency set by the legislation of the RA /once/ 0
10 Interest rate % (annual) against the positive balance of card account2 0
11 Provision of an additional statement from the card account above the frequency set by the legislation of the RA 1 000 AMD


Penalty for exceeding the payment limits

0.15% daily
13 Card and PIN code reissue in case of lost/stolen/damaged card 2 000 AMD
14 Card and PIN code same-day reissue in case with lost/stolen/damaged card 3 000 AMD
15 Unjustified chargeback request 5 000 AMD
16 Card to card transfers 0.5%
17 SMS messages to cardholders on receipt and withdrawal on card accounts
VAT inclusive
  • 20 AMD for RA cell operators numbers
  • 40 AMD for foreign cell operator  numbers
18 Card unblocking fee 500 AMD

1For credit cards /debit+credit/ the service fee is charged at the time of provision of the cards, for the whole year. In case of early termination of the agreement, the service fee is not subject to return.

2The interest is accrued towards the positive balance at the end of the day and is paid on quarterly basis, within 5 /five/ banking days after each reporting quarter.

*Additional card - an additional card opened for the same account, within the same payment system /VISA-VISA, ARCA-ARCA, MasterCard-MasterCard - VISA, ARCA
**Card attached to - the same account, additional card opened under various payment systems /VISA - ARCA, MasterCard; ARCA - VISA, MasterCard; MasterCard - VISA, ARCA/.

In case of not usage of the balance on the closed card account for three months, AMD 1000 is charged for every year (if the balance is less than AMD 1000, then the whole balance amount is charged, and the account is closed).

Order the card online, here

ArCa card description

CLASSIC Local debit card


  • Opportunity of virtual trade and payments.
  • Fast transfers of amounts from card to card.
  • Providing free statements in the ways preferred by cardholders.
  • At moment of transaction sending SMS message to cardholders about the transaction.
  • Transfer of salary directly to card account.
  • 24 hour provision of free information on your card account balance through the Bank՚s LAN HELLO (+37410) 511 200, 545514 / 24 hour/ telephone information system, as well as the telephone number of ArCa payment system (+37410) 59 22 22.


  • Provides opportunity of using the amounts of card account everywhere on the RA territory, get cash from ATMs, perform non-cash purchases in merchant and service locations, where symbol is displayed.


  • In case of salary projects the encashment in ATMs and encashment locations of the bank is free of charge.
  • Providing additional cards to family members under the card account.
  • In comparison with purchases made in cash in merchant locations, in case of making purchases with payment cards you will be provided with 3-30% discounts in 250 local merchant locations.


  • Quickly identification of the cardholder through the photo and signature.
  • Provision of confidentiality and security of the personal data and card flow balance.