Hot Line +37410 511 211


Deposit "Karas"


Interest Rate

  6 months 1 year 18 months 2 year 3 year 4 year 5 year
AMD 7.5% 9% 9.5%  CBFR1-0.25% CBFR1 CBFR1+0.25%  CBFR1+0.5%
USD 2% 4% 4.25%  CBFR1 -1.75% CBFR1-1.25%  CBFR1-0.75% CBFR1-0.25%

Deposit terms:

Minimum amount
  • 10 000 AMD
  • 100 USD
Maximum deposit amount (sum of initial amount and replanishments)
  • 100 mln AMD
  • 200 000 USD
Deposit Period 6 months - 5 years
Payment of interest rate

At maturity.

Interests, calculated once a year, are accrued on deposit balance.

Partial withdrawal of the deposit amount
The total sum of deductions from the deposit amount cannot exceed 60% of the total sum of deposit replenishments (including the initial deposit amount)

1CBFR - Flexible Rate of "Converse Bank"

Now you can open Karas Deposit via AS Internet-Bank. Follow the guidelines here.

The total sum of Deposit replenishments made during the 3 months (hereinafter referred to as the Term) preceding the date of expiry of the deposit agreement term cannot exceed the average monthly value of the replenishments of the respective deposit agreement made during one year preceding the beginning of the Term (if the agreement Term is less than one year, then during the time period between the date of signing of the agreement until the beginning of the Term).


Interest amounts are accrued to the funds available on the depositor’s account on the basis of the nominal interest rate, and the annual percentage yield shows the income that you can get if you reinvest the received interest amount in form of deposit. You can find the procedure and an example of calculation of the annual percentage yield by the following link: The procedure and an example of calculation and payment of interest for the deposit /according to the CBA’s Regulation 8/02 "On Calculation of the Annual Percentage Yield for Banking Deposits".