1 In case of refusal to use one or several services, the package price does not change. If the client refuses from certain services but applies for them later, such services will be chargeable pursuant to their respective tariffs. The package is available to the existing clients if they do not use any of the package services (does not apply to Smart and For Students packages).
2 VISA Classic or MasterCard Standard cards are offered without annual service fee. Should the card be reissued upon expiry of the validity period, a fee will be charged in accordance with the then-effective payment card terms and conditions.
3 If the client chooses VISA Classic, MasterCard Standard or ArCa Carrefour Smile payment card, they are offered with no annual service fee. In case of Visa Classic Moons cards, an annual service fee will be charged in accordance with Ameriabank CJSC Card Rates and Fees.
4 There is no annual service fee for the Student cards.
5 To use bank services clients need to open an account in AMD. In case of ordering a payment card, opening a savings account, time deposits, purchase of bonds, getting loan products, safe deposit box renting or brokerage account opening, ordering a card under the payroll project, the respective account opening fees will not be applied.
6 Fee charged only for the first AMD account.
7 0% annual interest on credit balance.
8 The turnover of any bank account of the client (including card accounts) applies to all other accounts (this provision is applicable only in terms of charging the commissions). If the client has an active card only linked to a card account, no commission is charged. If the account is linked to a closed card, the commission is chargeable in accordance with the tariffs. Commissions are charged within two weeks following each calendar half-year.
If there was no activity on the account during the most recent 12 months, the account will be restricted for debiting within two weeks following each calendar quarter.
If there was no activity on the account during the most recent 12 months and the account balance is zero, the account will be closed within two weeks following each calendar half-year. This does not apply to the accounts that are required in the scope of other services provided to the client by the Bank.
Account maintenance fee shall not be charged (i) from the clients having only brokerage accounts and/or (ii) if a bank account has been opened and is maintained for provision of the safe deposit box service.
9 The Bank defines currency exchange rates every business day. Such rates remain effective during open hours of the Bank. The Bank is entitled to reject conversion applications received by distance banking systems on non-open hours (before 09.30 a.m. and after 5:00 p.m.) and non-business days (including Saturdays).
10 The following services subject to the limits specified below may be performed via phone banking:
11 The fee is not charged for provision of home loan statements (i.e. loans for purchase/renovation/construction of residential real estate).