Ameria Deposit | Micro and Small Business | Ameriabank
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Ameria deposit

For businesses with an annual turnover of up to AMD 750 million

We offer a wide choice of deposit options to meet your needs. 

The versatility of our deposit options enables you to add and, within a certain limit, withdraw sums from your deposit account during the deposit term. 

Note that in order to use Ameriabank services, including making a deposit, you will need to have an active account in Armenian drams with Ameriabank. If your deposit is in a currency other than Armenian drams, we will open for you also an account in that currency.

Our deposit options are available in Armenian drams, US dollars, euros and Russian rubles.

Flexibility in saving

With Ameria Deposit, you are able to fully manage your savings: add sums or withdraw sums from your deposit account, or terminate the deposit before the due date1 at your convenience.


Guarantee of return of deposit

Savings accounts within 16 million Armenian drams or foreign currency equivalent of 7 million Armenian drams are insured by the Deposit Guarantee Fund.

Only private entrepreneurs are covered by the guarantee. 

Manage your deposit without visiting the Bank

Manage your cash easily: add sums any time without having to visit the Bank in person. Our Online and Mobile Banking solutions are always at your service.

Savings in the currency you prefer

Ameria deposits are available in Armenian drams, US dollars, euros and/or Russian rubles. 

You can perform operations via your savings account in the currency of the savings account at the exchange rate effective in the Bank at that particular moment, except currency conversion transactions2.

1 This being the case, interest shall be recalculated at the rate effective in the Bank at that time for the actual duration of deposit term elapsed.
2 2Operations with savings account can be performed in the currency of your savings account at the exchange rate effective in the Bank at that particular time, except currency conversion transactions.

Ready to make a deposit?

You can submit an application through Online banking

Minimum deposit amount: AMD 2,000,000 

AMD

Interest payment scheme

 

Deposits maturity, days

31 to 90

91 to 180

181 to 270

271 to 365

366 to 730

Ameria Deposit (Standard) *1

Monthly / Monthly capitalization of interest

Nominal annual interest rate

4.50%

6.00%

7.00%

8.00%

9.00%

Annual percentage yield

4.59%

6.17%

7.23%

8.30%

9.38%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

6.20%

7.20%

8.20%

9.10%

Annual percentage yield

x

6.35%

7.40%

8.46%

9.42%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

9.20%

Annual percentage yield

x

x

x

x

9.20%

With possibility to top-up the deposit principal by up to 30%*2

Monthly / Monthly capitalization of interest

Nominal annual interest rate

4.20%

5.70%

6.70%

7.70%

8.70%

Annual percentage yield

4.28%

5.85%

6.91%

7.98%

9.06%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

5.90%

6.90%

7.90%

8.80%

Annual percentage yield

x

6.03%

7.08%

8.14%

9.09%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

8.90%

Annual percentage yield

x

x

x

x

8.90%

With possibility to withdraw up to 30% of the deposit principal*3

Monthly / Monthly capitalization of interest

Nominal annual interest rate

4.10%

5.60%

6.60%

7.60%

8.60%

Annual percentage yield

4.18%

5.75%

6.80%

7.87%

8.95%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

5.80%

6.80%

7.80%

8.70%

Annual percentage yield

x

5.93%

6.98%

8.03%

8.99%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

8.80%

Annual percentage yield

x

x

x

x

8.80%

With possibility to top-up or withdraw the deposit principal by up to 30%*4

Monthly / Monthly capitalization of interest

Nominal annual interest rate

3.80%

5.30%

6.30%

7.30%

8.30%

Annual percentage yield

3.87%

5.43%

6.49%

7.55%

8.62%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

5.50%

6.50%

7.50%

8.40%

Annual percentage yield

x

5.61%

6.66%

7.71%

8.67%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

8.50%

Annual percentage yield

x

x

x

x

8.50%

 

*These terms apply to corporate deposits of resident entities.

**The terms of time deposits of resident financial organizations (credit organizations, insurance companies, insurance brokers, insurance agents, payment and settlement organizations, investment companies, investment and pension fund managers, etc.) are regulated on contractual basis.

***The terms of time deposits of non-resident legal entities are regulated on contractual basis.

Attention!

THE INTEREST IS CALCULATED ON THE BASIS OF NOMINAL INTEREST RATE. THE ANNUAL PERCENTAGE YIELD SHOWS THE INCOME YOU COULD EARN IF YOU RE-DEPOSITED THE INTEREST.

Terms and conditions for deposits over AMD 2 billion or foreign currency equivalent shall be subject to the internal regulations of the Bank.

1.The client may not increase and/or partially withdraw the deposited amount.

2.The client may top-up the deposited amount throughout the deposit term except the last month. Maximum allowed increase is 30% of initial deposit principal.

3.The client may withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal is 30% of the deposit principal. The same interest rate without recalculation applies to withdrawn amounts.

4.The client may top-up the deposited amount throughout the deposit term except the last month, and withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal or top-up is 30% of the deposit principal. The same interest rate without recalculation applies towithdrawn amounts.

5.0.25% extra interest rate for new time deposits in AMD opened via Internet-Bank or Mobile Banking. The extra rate is not applicable to Premium deposits.

Ameriabank Terms of Time Deposits for Legal Entities

Minimum deposit amount: RUB 500,000

RUB 

 

Deposits maturity, days

 

31 to 90

91 to 180 

181 to 270

271 to 365

366 to 730

Ameria Deposit

(Standard)*1

Monthly / Monthly capitalization of interest

Nominal annual interest rate

1.80%

2.70%

3.70%

4.20%

4.20%

Annual percentage yield

1.81%

2.73%

3.76%

4.28%

4.28%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

2.80%

3.80%

4.30%

4.30%

Annual percentage yield

x

2.83%

3.85%

4.37%

4.37%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

4.50%

Annual percentage yield

x

x

x

x

4.50%

With possibility to

top-up the deposit

principal by up to

30%*2

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

2.40%

3.40%

3.90%

3.90%

Annual percentage yield

x

2.43%

3.45%

3.97%

3.97%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

2.50%

3.50%

4.00%

4.00%

Annual percentage yield

x

2.52%

3.55%

4.06%

4.06%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

4.20%

Annual percentage yield

x

x

x

x

4.20%

With possibility to

withdraw up to

30% of the deposit

principal*3

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

2.30%

3.30%

3.80%

3.80%

Annual percentage yield

x

2.32%

3.35%

3.87%

3.87%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

2.40%

3.40%

3.90%

3.90%

Annual percentage yield

x

2.42%

3.44%

3.96%

3.96%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

4.10%

Annual percentage yield

x

x

x

x

4.10%

With possibility to top-up or withdraw the deposit

principal by up to 30%*4

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

2.00%

3.00%

3.50%

3.50%

Annual percentage yield

x

2.02%

3.04%

3.56%

3.56%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

2.10%

3.10%

3.60%

3.60%

Annual percentage yield

x

2.12%

3.14%

3.65%

3.65%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

3.80%

Annual percentage yield

x

x

x

x

3.80%

*These terms apply to corporate deposits of resident entities.

**The terms of time deposits of resident financial organizations (credit organizations, insurance companies, insurance brokers, insurance agents, payment and settlement organizations, investment companies, investment and pension fund managers, etc.) are regulated on contractual basis.

***The terms of time deposits of non-resident legal entities are regulated on contractual basis.

Attention!

THE INTEREST IS CALCULATED ON THE BASIS OF NOMINAL INTEREST RATE. THE ANNUAL PERCENTAGE YIELD SHOWS THE INCOME YOU COULD EARN IF YOU RE-DEPOSITED THE INTEREST.

Terms and conditions for deposits over AMD 2 billion or foreign currency equivalent shall be subject to the internal regulations of the Bank.

1.The client may not increase and/or partially withdraw the deposited amount.

2.The client may top-up the deposited amount throughout the deposit term except the last month. Maximum allowed increase is 30% of initial deposit principal.

3.The client may withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal is 30% of the deposit principal. The same interest rate without recalculation applies to withdrawn amounts.

4.The client may top-up the deposited amount throughout the deposit term except the last month, and withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal or top-up is 30% of the deposit principal. The same interest rate without recalculation applies towithdrawn amounts.

5.0.25% extra interest rate for new time deposits in AMD opened via Internet-Bank or Mobile Banking. The extra rate is not applicable to Premium deposits.

Ameriabank Terms of Time Deposits for Legal Entities

Minimum deposit amount: EUR 5,000

EUR

Interest payment scheme

 

Deposits maturity, days

 

 31 to 90

 91 to 180 

 181 to 270

271 to 365

366 to 730

Ameria Deposit

(Standard)*1

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

0.10%

0.40%

0.70%

1.20%

Annual percentage yield

x

0.10%

0.40%

0.70%

1.21%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

0.20%

0.50%

0.80%

1.30%

Annual percentage yield

x

0.20%

0.50%

0.80%

1.31%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

1.50%

Annual percentage yield

x

x

x

x

1.50%

With possibility to

top-up the deposit

principal by up to 30%*2

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

x

x

0.40%

0.90%

Annual percentage yield

x

x

x

0.40%

0.90%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

x

x

0.50%

1.00%

Annual percentage yield

x

x

x

0.50%

1.00%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

1.20%

Annual percentage yield

x

x

x

x

1.20%

With possibility to

withdraw up to

30% of the deposit

principal*3

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

x

x

0.30%

0.80%

Annual percentage yield

x

x

x

0.30%

0.80%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

x

x

0.40%

0.90%

Annual percentage yield

x

x

x

0.40%

0.90%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

1.10%

Annual percentage yield

x

x

x

x

1.10%

With possibility to top-up or withdraw the deposit

principal by up to 30%*4

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

x

x

x

0.50%

Annual percentage yield

x

x

x

x

0.50%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

x

x

0.10%

0.60%

Annual percentage yield

x

x

x

0.10%

0.60%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

0.80%

Annual percentage yield

x

x

x

x

0.80%

*These terms apply to corporate deposits of resident entities.

**The terms of time deposits of resident financial organizations (credit organizations, insurance companies, insurance brokers, insurance agents, payment and settlement organizations, investment companies, investment and pension fund managers, etc.) are regulated on contractual basis.

***The terms of time deposits of non-resident legal entities are regulated on contractual basis.

Attention!

THE INTEREST IS CALCULATED ON THE BASIS OF NOMINAL INTEREST RATE. THE ANNUAL PERCENTAGE YIELD SHOWS THE INCOME YOU COULD EARN IF YOU RE-DEPOSITED THE INTEREST.

Terms and conditions for deposits over AMD 2 billion or foreign currency equivalent shall be subject to the internal regulations of the Bank.

1.The client may not increase and/or partially withdraw the deposited amount.

2.The client may top-up the deposited amount throughout the deposit term except the last month. Maximum allowed increase is 30% of initial deposit principal.

3.The client may withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal is 30% of the deposit principal. The same interest rate without recalculation applies to withdrawn amounts.

4.The client may top-up the deposited amount throughout the deposit term except the last month, and withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal or top-up is 30% of the deposit principal. The same interest rate without recalculation applies towithdrawn amounts.

5.0.25% extra interest rate for new time deposits in AMD opened via Internet-Bank or Mobile Banking. The extra rate is not applicable to Premium deposits.

Ameriabank Terms of Time Deposits for Legal Entities

Minimum deposit amount: USD 5,000

USD

Interest payment scheme

 

Deposits maturity, days

31 to 90

91 to 180 

181 to 270

271 to 365

366 to 730

Ameria Deposit

(Standard)*1

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

0.90%

1.90%

2.40%

3.00%

Annual percentage yield

x

0.90%

1.92%

2.43%

3.04%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

1.00%

2.00%

2.50%

3.10%

Annual percentage yield

x

1.00%

2.02%

2.52%

3.14%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

3.30%

Annual percentage yield

x

x

x

x

3.30%

With possibility to

top-up the deposit

principal by up to 30%*2

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

0.60%

1.60%

2.10%

2.70%

Annual percentage yield

x

0.60%

1.61%

2.12%

2.73%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

0.70%

1.70%

2.20%

2.80%

Annual percentage yield

x

0.70%

1.71%

2.22%

2.83%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

3.00%

Annual percentage yield

x

x

x

x

3.00%

With possibility to

withdraw up to

30% of the deposit

principal*3

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

0.50%

1.50%

2.00%

2.60%

Annual percentage yield

x

0.50%

1.51%

2.02%

2.63%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

0.60%

1.60%

2.10%

2.70%

Annual percentage yield

x

0.60%

1.61%

2.12%

2.73%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

2.90%

Annual percentage yield

x

x

x

x

2.90%

With possibility to top-up or withdraw the deposit

principal by up to 30%*4

Monthly / Monthly capitalization of interest

Nominal annual interest rate

x

0.20%

1.20%

1.70%

2.30%

Annual percentage yield

x

0.20%

1.21%

1.71%

2.32%

Quarterly / Quarterly capitalization of interest

Nominal annual interest rate

x

0.30%

1.30%

1.80%

2.40%

Annual percentage yield

x

0.30%

1.31%

1.81%

2.42%

Annually / Annual capitalization of interest

Nominal annual interest rate

x

x

x

x

2.60%

Annual percentage yield

x

x

x

x

2.60%

*These terms apply to corporate deposits of resident entities.

**The terms of time deposits of resident financial organizations (credit organizations, insurance companies, insurance brokers, insurance agents, payment and settlement organizations, investment companies, investment and pension fund managers, etc.) are regulated on contractual basis.

***The terms of time deposits of non-resident legal entities are regulated on contractual basis.

Attention!

THE INTEREST IS CALCULATED ON THE BASIS OF NOMINAL INTEREST RATE. THE ANNUAL PERCENTAGE YIELD SHOWS THE INCOME YOU COULD EARN IF YOU RE-DEPOSITED THE INTEREST.

Terms and conditions for deposits over AMD 2 billion or foreign currency equivalent shall be subject to the internal regulations of the Bank.

1.The client may not increase and/or partially withdraw the deposited amount.

2.The client may top-up the deposited amount throughout the deposit term except the last month. Maximum allowed increase is 30% of initial deposit principal.

3.The client may withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal is 30% of the deposit principal. The same interest rate without recalculation applies to withdrawn amounts.

4.The client may top-up the deposited amount throughout the deposit term except the last month, and withdraw part of the deposited amount throughout the deposit term except the first month. Maximum allowed withdrawal or top-up is 30% of the deposit principal. The same interest rate without recalculation applies towithdrawn amounts.

5.0.25% extra interest rate for new time deposits in AMD opened via Internet-Bank or Mobile Banking. The extra rate is not applicable to Premium deposits.

Ameriabank Terms of Time Deposits for Legal Entities

Last updated on 10.12.2021, 11:48