Hot Line +37410 511 211

Visa Classic

Visa CLASSIC DEBIT

Is accepted without restrictions at any trade and service centre and encashment point in the world, in case of availability of Visa sign.

Tariffs for Visa Classic Debit 

Service Type Visa CLASSIC DEBIT
Card issue 0
Additional*/attached** Card Issue 3 000 AMD
In case of annula payment1 5 000 AMD
Merchant transactions2 0
withdrawal at Bank POS-terminals and ATMs AMD 0.2 % / Foreign exchange 0.3%
Cash withdrawal at POS-terminals and ATMs of other ArCa system banks 1%
Cash withdrawal at POS-terminals and ATMs of other banks, which are out of ArCa system 1%, min 1 500 AMD
Paying cash to the card account via ATMs of other banks, members of ArCa system 0,6%
Paying cash to the card account via ATMs of the Bank 0,2%
Replenishing account holder’s current/savings/card account via payment terminal
  • AMD 101-50,000 - AMD 100
  • AMD 50,001-200,000 - AMD 200
Maximum limit of daily cash withdrawal 500 000 AMD
1,500 USD 
1,000 EUR
50,000 RUB
Maximum available number of daily encashment transactions 10
Interest rate % (annual) against the positive balance of card account 0
"Provision of a statement from the card account with the frequency set by the legislation of the RA /once/" 0
"Provision of an additional statement from the card account above the frequency set by the legislation of the RA"
  • For a period up to 3 years - AMD 1,000
  • For a period of 3 years and more (if retained at the Bank) - AMD 3,000
Penalty for exceeding the payment limits At 0.13% of the excess amount, for each day of delay
Card and PIN code reissue in case of lost/stolen/damaged card 2 000 AMD
Card and PIN code same-day reissue in case with lost/stolen/damaged card 5 000 AMD
Transfer of cash from card in case of card loss outside Armenia 5% of the amount
Unjustified chargeback request 5 000 AMD
Card to card transfers 0.5%
SMS messages to cardholders on receipt and withdrawal on card accounts
VAT include
  • 20 AMD for RA cell operators numbers
  • 40 AMD for foreign cell operator  numbers
Card unblocking fee 500 AMD
Providing medical insurance during trips to foreign countries According to the tariffs of the insurance company
Card activity cancellation in bank guarentee system and placement in stop list 15 000 AMD for two weeks
Closing the card account In case of not using the balance on a closed card account within three months, AMD 1,000 will be charged for each year /if the balance is less than AMD 1,000, the entire balance amount will be charged and the account will be closed/

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.

2In case of transactions done in a currency different from the currency of the account of the Bank’s cardholders at encashment points, ATMs, trade and service centres, that operate beyond ArCa system, at the time of currency conversion the fee of 2% set by the Bank is applied. Exceptions are transactions in USD and Euro.

* 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.

Visa Classic Debit card description

International Debit Card

Convenience
  • Possibility to make virtual purchase and payments in the internet environment.
  • 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.

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

Accessibility

  • Is accepted without restrictions at any trade and service centre and encashment point in the world, in case of availability of Visa sign.

Advantages

  • The card can be provided both with debit /replenished with own funds/ and credit /replenished also with the funds provided by the bank/ option.
  • Provision of the card in AMD, USD, Euro, and RUR.
  • 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. 

How to order?

  • You can order the card online here and you will need to visit the Bank only once to submit your passport and PSN (social card)

Preparation and issuance term

  • Up to 5 working days for branches located in Yerevan
  • Up to 10 working days for branches located outside Yerevan