Current account | Ameriabank
My Ameria
Մոբայլ բանկինգ
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Regardless of the branch in which you opened the current account, you can manage it in any branch of the bank.

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No minimum balance

There is no minimum balance set for accounts

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in AMD and foreign currency

You can open accounts in AMD, as well as dollars, euros, rubles and 7 other currencies.

Ready to open an account?

Performing everyday bank transactions is easy if you have a current account. Once joined, you can perform your transactions and manage your funds and accounts freely and easily.

Smart package online

The package is valid only for customers who are citizens of RA, in case of opening an account online



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Account in AMD

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One payment card

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MyAmeria online/mobile banking

Current account

Your key to performing bank transactions and managing your cash. When opening an account at Yerevan* branches

Visit a branch
3,000 AMD

/one time


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Account in AMD

*Opening an account with MyAmeria is free

Account with package

The package is valid only for customers who are RA citizens. You can activate the package at the branch

Visit a branch
7,000 AMD

/one time


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Account in AMD

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One currency account

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MyAmeria online/mobile banking

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One payment card

A smart package

Open an account online and become an Ameriabank customer within minutes

One free payment card "VISA Classic", "MasterCard Standard" or ArCa Carrefour "Smile"

Online banking (Free provision of online, mobile and phone banking systems)

Free account opening (Free account opening with online registration)

The package is available only to the citizens of Armenia.

Ani Khachikyan with Iphone


What documents do I need to open an account?

To open an account you need:

  • ID and personal public services number for resident individuals
  • Personal identification document for non-resident individuals

In what currencies can I open an account with Ameriabank?

Current accounts are available in Armenian drams, US dollars, euros, Russian rubles, Swiss francs, British pounds, Canadian dollars, Japanese yens, Australian dollars, UAE dirhams, and paper gold (999.9 purity), as well as other currencies quoted by Ameriabank. Transactions are performed in the account currency, except for currency conversion transactions, which are executed at exchange rates of Ameriabank effective in each particular case.

What is a SMART account?

SMART account is a bank account opened completely online, without visiting the bank in person. When you open a SMART account, you also receive a VISA Classic or MasterCard Standard card free of charge, as well as access to 24/7 Online Banking in order to manage accounts and perform transactions.

How do I open an account online?

Opening SMART accounts online is easy and simple.

  • Fill in the application form
  • Take a photo of your ID and a selfie
  • Select a complimentary payment card
  • Register in Online Banking in order to manage your account remotely

Once the bank has approved your application, you will be able to log into Online Banking and perform certain transactions (see further for details). In order to use all available services freely, without restrictions, as well as to activate your card, you will have to pass full identification via a video call or by visiting us in person.

During what days/hours can I open a SMART account?

You may apply for a SMART account online whenever you like.

Can I open a SMART account, if I am abroad?

Yes, you can open SMART accounts from abroad as well. All you need is a personal identification document such as an Armenian passport, Armenian ID, or social card, and a smartphone with Internet access or a webcam-equipped PC.

Can I open a SMART account, if I am a foreign national resident in Armenia?

Currently, only citizens of the Republic of Armenia are able to open online SMART accounts.

What is the difference between accounts with restricted access and full-access current accounts?

When you apply online, a restricted-access account is opened for you, which you can use until you pass full identification in accordance with the laws of Armenia and the internal regulations of Ameriabank. With restricted access, you can perform certain bank transactions.

Once you have passed full identification, you will get full access to your current account, which means that from now, you can also make payments to other persons’ accounts, as well as payments between your own accounts, deposit and withdraw cash, and exchange currency. 

(Either restricted-access or full-access) accounts are opened based on your application within 1 business day.

What operations can I perform via account with restricted access?

Via the restricted-access account, you can perform the following transactions:

  • Transfers between your own accounts with a daily limit of 400,000 Armenian drams or foreign currency equivalent
  • Transfers within Ameriabank accounts
  • Currency exchange
  • Utility payments
  • Payments to the state budget
  • Payments of traffic tickets
  • You can also submit applications for services available at that time in Online Banking

How can I make my SMART account with restricted access an unrestricted one?

      To gain unrestricted access to banking transactions via your SMART account you need to pass full identification via a video call or by visiting us in person. To schedule a video call, log into Online Banking, click “restricted” and select the date and time.

What is a video call?

During the video call, our employee completes the identification of the person who opens an account online. The video call is recorded. Once you have passed full identification, you can gain unrestricted access to your account and activate your payment card. You can fix the date and time for your video call when submitting the SMART account application.
During the video call, you will have to answer several questions about yourself.

The right to make transactions through these accounts is stipulated in the Agreement on Opening and Managing Bank Account executed with the client and in the signature card. In the case of a joint account, the Agreement on Opening and Managing Bank Account is co-signed by all persons who open the account.

Saving account

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Save money with us and feel the benefits of flexible account management options.

Payment cards

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Order Ameria payment cards and get a number of benefits.

MyAmeria online/mobile banking

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MyAmeria makes it possible to perform the key banking operations on iOS, Android and Web platforms without visiting the bank.