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Privileged tariffs

Privileged Tariffs for Banking Services Offered to Employees of Organizations

The tariffs apply for the employees of organizations operating in the RA and having no corporate salary agreement with the Bank.

N Service type ArCa Classic
VISA Electron
VISA Classic,
MasterCard Standard
VISA Gold,
MasterCard Gold
1 Currency of the card AMD 
2 Annual service fee for the card account1 AMD 100  AMD 200  AMD 300  AMD 2,000 

 

 

3

Provision of cash at encashment points and ATMs of the Bank from debit cards and settlement cards provided without a grace period

 

AMD 0

 

 

 

4

Provision of cash at encashment points and ATMs of the Bank from settlement cards provided with a grace period, and transfers with cards and card accounts (card to card and from card accounts to accounts of other types)

 

 

0.9%

 

 

 5

 

 

Maximum credit limit

double-fold - with a grace period 2 or without a grace period3 and three-fold - without a grace period3, with decreasing limit4 (is provided with a separate card, and the same tariffs and conditions specified by this annex apply to both cards), or five-fold without a grace period3 with decreasing limit4 double-fold - with a grace period2 or without a grace period3 and three-fold - without a grace period3, with decreasing limit4 (is provided with a separate card, and the same tariffs and conditions specified by this annex apply to both cards), or seven-fold without a grace period3 with decreasing limit4
6 Type of the credit limit Restorable
7 Annual interest rate accrued to the used portion of the credit limit

 

21%

 

19%

8 Usage of Internet Bank System5

 

AMD 0

9 Maximum one-off fee for provision of the credit limit/increasing the credit limit6

 

0.3%

1 Can be paid also on annual basis.
2 In case of settlement cards with a grace period, every month, within 15 /fifteen/ days starting from the date of preparation of the statement (grace period for payment) the borrower shall repay at least 10 /ten/ percent of the amount used as of the date of preparation of the monthly statement, not less than the amount specified by the Tariffs/, as well as the interest and penalties accrued by the time of payment; if the amount used as of the date of preparation of the statement is fully repaid within the grace period, no interest shall be accrued towards the used amount. In case of failure to repay the minimum required amount, the Bank shall be entitled to charge a penalty of 0,4 percent from the overdue interest amount and 0,15 percent of the overdue loan amount.
3 In case of settlement cards without a grace period, interest shall be accrued towards the used portion of the credit limit on daily basis. On any day of the month preferred by the customer, the latter shall pay the interest accrued to the used portion of the credit limit as of that date. In case of failure to pay the interest amount within that term, a penalty of 0,4 percent from the overdue interest amount will be calculated. The customer is given the opportunity to pay the accrued interest in advance, within 15 days before the due date set for payment of the interest.
4 The used credit limit is restored for the paid amount, but not more, than the amount of the credit limit, and the total limit decreases based on the principle of equal monthly size (monthly decreasing amount - amount of the approved limit divided by the number of months).
5 The system gives an opportunity to view the banking accounts opened at the Bank, to follow their current status, to print out and export the statements from personal accounts, as well as to make transfers and other transactions.
6 The initial amount of the credit limit, and in case of increasing the limit - the increased amount /applies also in case of reissuance/.