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Cirrus/Maestro

Cirrus/Maestro

You can get the funds available on your account in any place, at encashment points with CIRRUS/MAESTRO sign and make non-cash purchases at trade centres and in the internet environment.

Tariffs for CIRRUS/MAESTRO

N Service Type CIRRUS/MAESTRO
1 Provision of the card 0
2 Provision of additional*/attached** card AMD 1 500 
3 In case of annual one-off payment1 AMD 2 500
4 Transactions in trade points 0
5 Provision of cash at encashment points and ATMs of the bank for AMD 0.2 %

for other currencies 0.3 %
6 Provision of cash at encashment points and ATMs of other ARCA system member banks1 1%
7 Provision of cash at encashment points and ATMs of banks that are not members of ARCA system

1%, min 1 500 AMD

8 Maximum daily limit of encashment transaction

AMD 300 000

USD 800

EURO 600

RUR 25 000

9.1 Maximum limit of one encashment transaction only from ATMs AMD 500 000
9 Maximum daily number of encashment transactions 10
 10 % accrued on the balance of the card account /annual/  0
 11 "Provision of a statement from the card account with the frequency set by the legislation of the RA /once/"  0
 12 "Provision of an additional statement from the card account above the frequency set by the legislation of the RA" 1 000 AMD
 13 Penalty accrued to the amount in excess of the credit limit 0.15% daily
 14 Provision of a duplicate of a lost/stolen/damaged card and PIN code 2 000 AMD
 15 Provision of a duplicate of a lost/stolen/damaged card and PIN code during the same day 3 000 AMD
 16 Provision of cash from the card account in case of loss of the card abroad 5% of the amount
17  Submission of unjustified chargeback application 5 000 AMD
 18 Card to card transfers  0.5%
 19

Sending SMS concerning amounts credited to and debited from the card

The amounts are VAT inclusive

 - 20 A MD for RA Cell operater numbers

- 40 AMD for foreign cell operator numbers
 20 Card unblocking fee 500 AMD
 21 Provision of medical insurance during trips abroad  According to the tariffs of the insurance company 

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.

* Additional card - an additional card of the same payment and settlement system, opened within the same account /VISA-VISA, ARCA-ARCA, MasterCard-MasterCard/

** Attached card - an additional card of a different payment and settlement system, opened within the same account /VISA - ARCA, MasterCard; ARCA - VISA, MasterCard; MasterCard - VISA, ARCA/

The exchange rate applied at the time of authorization of an operation/transaction and the exchange rate applied at the time of its actual accounting may differ. At the time of authorization, the exchange rates set by payment and settlement systems ARCA/VISA/MasterCard, and at the time of actual accounting of the operation/transaction, the USD exchange rate set by the Bank for the end of the previous banking day is applied. Exceptions are the operations/transactions made in Euro with the cards of Visa payment and settlement system, at the time of accounting of which the Euro exchange rate set by the Bank for the end of the previous banking day is applied. The Bank bears no responsibility for the currency and other risks connected with the exchange rate differences.

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).

Conditions and tariffs of provision and service of payment debit cards for non-resident customers

Order the card online, here

Cirrus/Maestro Card description

International debit card

Convenience

  • Possibility to make virtual purchase and payments in the internet environment, in case of availability of CIRRUS/MAESTRO sign.
  • Quick card to card transfer of funds.
  • Free of charge provision of a statement in the manner preferred by the cardholder.
  • Sending an SMS to the cardholder about the transaction at the time of making it.
  • Transfer of the salary directly to the card account.
  • Provision of 24-hour free of charge information about the balance on your card account, by means of the Bank’s LAN HELLO (+37410) 511 200, 545514 /round-the-clock/ telephone information system, as well as the phone number of ArCa payment system (+37410) 59 22 22.

Accessibility

  • Use the funds available on your account in any place, get funds at encashment points with CIRRUS/MAESTRO sign and make non-cash purchases at trade centres and in the internet environment.

Advantages

  • Provision of an additional card to the family members within the card account.
  • Unlike cash purchases at trade centres, in case of making purchases with payment cards you will get 3-30% discounts in over 40 local trade points

Care

  • Transfer of the amount available on the card account in case of losing the card outside the RA.

Security

  • Availability of a chip on the card, which ensures identification of the PIN code during any transaction /except for internet transactions/.
  • Possibility of fast identification of the cardholder by means of signature.
  • Ensuring in the virtual /internet/ environment the modern 3D Secure security system consonant with the international criteria

 Card usage rules