Debit cards
Նախորդ տարբերակին անցում կատարելու համար սեղմել   այստեղ

Debit cards

A convenient and secure tool for your daily payments and shopping

Your debit card is the most convenient, simple and secure tool for making contactless payments, sending/receiving remittances and managing the account remotely. Our cardholders have a possibility to earn up to 20% cashback on any payment and to use many other banking services.

Contact us for any card-related inquiries, we are available 24/7.

  • No minimum card account balance required
  • Free card re-issuance
  • Free card blocking/unblocking
  • Free cash withdrawal at Ameriabank ATMs
  • Free card delivery in Armenia and Artsakh

*upon expiry of validity period or in case of seizure of the card by ATMs of other Armenian banks

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ArCa Classic

Service fee: AMD 2,500 annually

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ArCa Mir

Service fee: AMD 2,500 annually

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ArCa Carrefour "Smile"

Service fee: AMD 1,000 annually

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Visa Classic

Service fee: AMD 2,500 annually

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MasterCard Standard

Service fee: AMD 2,500 annually

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AYO VISA Classic*

Service fee: AMD 2,500 annually

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VISA Gold

Service fee: AMD 2,000 monthly / AMD 20,000 annually

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MasterCard Gold

Service fee: AMD 2,000 monthly / AMD 20,000 annually

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AYO VISA Gold*

Service fee: AMD 2,000 monthly / AMD 20,000 annually

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VISA Platinum

Service fee: AMD 3,000 monthly / AMD 30,000 annually

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MasterCard Platinum

Service fee: AMD 3,000 monthly / AMD 30,000 annually

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VISA Classic Student

Without annual service fee

* Active AYO Visa Classic and AYO Visa Gold cards may be used until the expiry of the “valid thru” date.  Please be informed that these types of cards are no longer issued.


Up to 20% cashback

You can do shopping at the merchants cooperating with us, make card payments and earn up to 20% cashback. Learn More

Safe and Secure

Transactions with Ameriabank's cards are safe and secure. We are always at your side to ensure the security of your funds and data.

Contact us for any card-related inquiries, we are available 24/7. Learn more

Manage Your Accounts Without Visiting the Bank

Ameria Online and Mobile banking platforms and our phone banking services enable you to make transfers and payments, including loan payments, check your account and much more.

Online Banking

Mobile Banking

Phone Banking

Visa Pay Sticker (contactless payment sticker)

This contactless payment tool makes daily payments easier and more convenient. You can stick it to your phone, wallet or other personal items and make payments quickly and easily. No need to enter a PIN code for payments up to AMD 20 000. Learn more.

Overdraft by card

When the salary is over while the month is not. An overdraft at Ameriabank provides you an additional credit limit and you can withdraw amounts from any ATM at any time by using your card. Learn More

Defining PIN code yourself

If you want an easy to remember PIN code define it via ATM yourself. If your PIN code becomes available to third parties or you suspect so you can change it for security reasons.

Additional cards for you and your relatives

You can order an additional card with your relatives and plan and manage your expanses jointly with them.

USSD service

You may block your card, get information about your account balance, available services, latest operations anytime anywhere via USSD instructions. Learn more.

Our ATMs are always at hand

Our cash machines and automated self-service terminals are available anywhere in Armenia. In addition to just withdrawing cash you can make instant cash deposits into your account, make utility and other payments.

Ready to order a card?

In what currency are cards issued and what card to choose?

Ameriabank’s debit cards are issued in Armenian drams, US dollars and Euros. Only one account in card currency is linked to each card.

How to order a card?

To order an Ameriabank card you can submit an online application by filling in your personal data and attaching copies of your passport and social card.

You can also order a card at the bank’s branches by presenting the documents specified above.

Card delivery will take 2 (two) business days upon your application date if the card is delivered at the head office or any of the Yerevan-based branches specified in advance, and 7 (seven) business days if the card is provided outside Yerevan.

PIN code is provided together with the card in a closed envelope. You can change the PIN code yourself via ATM.

What is a credit card?

A credit card enables you to have loan proceeds that you can cash and use for urgent payments and purchases.

For more information about cards please click here.

How to apply

  • Any AMD-denominated payments credited or debited during the card service are exchanged at the average exchange rate of the Central Bank of Armenia prevailing on that date. 
  • The currency in card transactions is exchanged at the rates specified in Ameriabank CJSC (the “Bank”) Payment Cards Terms and Conditions, where the exchanges rates applied by Visa international payment system include the Bank’s fee of 2%. 
  • All postal and telecommunication expenses, as well as third bank costs will be charged additionally. 
  • The Bank may review and change the tariffs from time to time, notifying the clients through making the changes available for them on the website or within the Bank premises. The changes take effect on the date fixed by the Bank, but not earlier than the client notice date.
  • All commission fees subject to VAT include VAT.

N

Debit cards with overdraft

Card Subtype1

ArCa Classic

ArCa Mir

ArCa Carrefour Smile2

VISA Classic
Mastercard Standard

VISA Classic
Student

VISA Classic
Moons

VISA Gold
Mastercard Gold

VISA Platinum
Mastercard Platinum

 

Currency

AMD

AMD

AMD

AMD/USD/EUR

AMD/USD/EUR

AMD/USD/EUR

AMD/USD/EUR

AMD/USD/EUR

 

Card validity period

2 years

4 years

2 years

4 years

4 years

4 years

4 years

4 years

 

Sticker (additional contactless card linked to the primary card) validity period

2 years

2 years

-

2 years

2 years

2 years

2 years

2 years

1

 Card issuance

Free

Free

Free

Free

Free

Free

Free

Free

2

Card service 

AMD 2,500 annually;
if ordered by
Internet/Mobile Banking systems, no fee is applied

AMD 2,500 annually;
if ordered by
Internet/Mobile Banking systems, no fee is applied

 AMD 1,000 annually;
if ordered by
Internet/Mobile Banking systems, no fee is applied

AMD 2,500 annually;
if ordered by
Internet/Mobile Banking systems, no fee is applied

Free

AMD 1,000 annually

AMD 2,000 monthly/ AMD 20,000 annually;
AMD 10,000 annually if ordered by
Internet/Mobile Banking systems

AMD 3,000 monthly/ AMD 30,000 annually;
AMD 20,000 annually if ordered by
Internet/Mobile Banking systems

3

Card package service fee

-

-

-

-

-

-

 AMD 2,000 monthly/ AMD 20,000 annually

AMD 2,000 monthly/ AMD 20,000 annually

4

Card package

 

-

-

-

-

-

1. Travel insurance by an insurance company
2. Priority Pass Card3

1. Travel insurance by an insurance company
2. Priority Pass Card3

5

 Additional card issuance

Free

Free

-

Free

Free

Free

Free

Free

6

Annual service of additional card

AMD 1,000

1,000 ՀՀ դրամ

-

AMD 1,000

AMD 1,000

AMD 1,000

Free

Free

7

Annual service of sticker (contactless card linked to primary card)

AMD 3,000

AMD 3,000

-

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

8

Provision of PIN in an envelope (chargeable only for the newly issued cards)4

AMD 1,000, VAT included

AMD 1,000, VAT included

AMD 1,000, VAT included

AMD 1,000, VAT included

AMD 1,000, VAT included

AMD 1,000, VAT included

AMD 1,000, VAT included

AMD 1,000, VAT included

9

Generating PIN using OTP (in case of loss of PIN)

AMD 500, VAT included

AMD 500, VAT included

AMD 500, VAT included

AMD 500, VAT included

AMD 500, VAT included

AMD 500, VAT included

AMD 500, VAT included

AMD 500, VAT included

10

Minimum card account balance

N/A

N/A

N/A

N/A

N/A

N/A

N/A

N/A

11

Annual interest rate accrued on the card account balance

0%

0%

0%

0%

AMD 3%
USD 0%
EUR 0%

0%

0%

0%

12

Provision of the card within one banking day5

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

13

Sticker reissuance (in case of loss, damage, theft, loss of PIN or its disclosure to third parties)

AMD 1,500

AMD 1,500

-

AMD 1,500

AMD 1,500

AMD 1,500

AMD 1,500

AMD 1,500

14

Card reissuance (in case of loss, damage, theft, loss of PIN or its disclosure to third parties)

AMD 1,500

AMD 1,500

AMD 1,000

AMD 1,500

AMD 1,500

AMD 1,500

AMD 5,000

AMD 5,000

15

Card reissuance via Internet Bank/Mobile Banking (in case of card loss, damage, theft, loss of PIN or its disclosure to third parties)

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 3,000

AMD 3,000

16

Card reissuance (upon expiry of validity period or in case of seizure of the card by ATMs of other Armenian banks)

Free

Free

Free

Free

Free

Free

Free

Free

17

Priority Pass reissuance (in case of card loss, damage or theft)

-

-

-

-

-

-

AMD 5,000, VAT included

AMD 5,000, VAT included

18

Accelerated return of Ameriabank cards swallowed by Ameriabank ATMs

AMD 500 for ATMs within Ameriabank branch premises (cards to be returned within the same business day)
AMD 1,500 if the card has been swallowed in Yerevan or other towns with Ameriabank presence (cards to be returned within 2 business days)
AMD 5,000 if the card has been swallowed in other communities (cards to be returned within 5 business days)

Accelerated return of other bank cards swallowed by Ameriabank ATMs

AMD 3,000 for ATMs within Ameriabank branch premises (cards to be returned within the same business day)
AMD 5,000 if the card has been swallowed in Yerevan or other towns with Ameriabank presence (cards to be returned within 2 business days)
AMD 10,000 if the card has been swallowed in other communities (cards to be returned within 5 business days)

19

Quick activation of the credit limit (within 1 hour after approval)

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

AMD 2,000

20

Card blocking 

Free

Free

Free

Free

Free

Free

Free

Free

21

Card unblocking

Free

Free

Free

Free

Free

Free

Free

Free

22

Keeping the card in international STOP-LIST (for 7 days)6

-

-

-

AMD 9,000

AMD 9,000

AMD 9,000

AMD 9,000

AMD 9,000

23

Maximum daily cash withdrawal limit (total)

AMD 500,000

AMD 500,000

AMD 500,000

AMD 1,000,000, USD 3,000, EUR 3,000

AMD 1,000,000, USD 3,000, EUR 3,000

AMD 1,000,000, USD 3,000, EUR 3,000

AMD 2,000,000, USD 6,000, EUR 6,000

AMD 2,500,000, USD 8,000, EUR 8,000

24

Increase of maximum daily cash withdrawal limit (total)

 a) One-time (new limit effective until 3:00 p.m. of the following business day)

AMD 3,000

AMD 3,000

-

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

AMD 3,000

 b) For the entire validity period of the card

AMD 10,000

AMD 10,000

-

AMD 10,000

AMD 10,000

AMD 10,000

AMD 10,000

AMD 10,000

25

 Maximum number of cash withdrawal transactions per day

5

5

-

5

5

5

5

5

26

Cash withdrawal7

      a) at Ameriabank ATMs

0%

0%

-

0%

0%

0%

0%

0%

      b) at counters of Ameriabank branches, including POS-terminals8

0.2%, minimum AMD 500

0.2%, minimum AMD 500

5%

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

AMD: 0.2%, min AMD 500;
USD and EUR: 0.5%, min AMD 1,000          

      c) from other ATMs and cashing centers

1.0%

1.0%

-

1.0%

1.0%

1.0%

1.0%

1.0%

 

    d) from HSBC Bank Armenia CJSC ATMs

0%

0%

-

0%

0%

0%

0%

0%

27

Cash deposit into Ameriabank card accounts via Ameriabank's cash-in machines

Free

Free

Free

Free

Free

Free

Free

Free

28

Cash deposit into Ameriabank card accounts via cash-in machines of other banks

0.6%

0.6%

0.6%

0.6%

0.6%

0.6%

0.6%

0.6%

29

Non-cash payments with cards at merchants/service-providers, including online shops and service-providers

Free

Free

Free

Free

Free

Free

Free

Free

30

Transfers from cards/card accounts, on the basis of card number (via Internet Banking/Mobile Banking app, ATMs, ArCa app or website)9

0.3%

0.3%

-

0.3%

0.3%

0.3%

0.3%

0.3%

31

Transfers from card accounts to other accounts, at the Bank premises or via Internet Banking/Mobile Banking app (including with currency exchange)10

  Fee specified in Section 4 (Transfers) of Ameriabank CJSC Tariffs for Individuals for transfers per respective type and currency

5% + Fee specified in Section 4 (Transfers) of Ameriabank CJSC Tariffs for Individuals for transfers per respective type and currency

Fee specified in Section 4 (Transfers) of Ameriabank CJSC Tariffs for Individuals for transfers per respective type and currency

32

Transfers from cards to accounts/cards of Ameriabank customers via the Bank website11

2.0%

2.0%

-

2.0%

2.0%

2.0%

2.0%

2.0%

33

Ameriastream transfers12

 

a) transfers made from a card account via Internet Banking/Mobile Banking app

1.0%

1.0%

-

1.0%

1.0%

1.0%

1.0%

1.0%

 b) transfers made via the Bank website (web version)

2.0%

2.0%

-

2.0%

2.0%

2.0%

2.0%

2.0%

34

E-wallet top-up with a card

0%

0%

-

0%

0%

0%

0%

0%

35

 Provision of statements

According to Ameriabank CJSC Tariffs for Individuals, Chapter 2, section “Provision of statements, information and copies of documents”

36

SMS notification (for transactions in the amount of AMD 10,000 or foreign currency equivalent and more)

Free

Free

Free

Free

Free

Free

Free

Free

37

SMS notification (for any amount without limitations)

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

AMD 10 per transaction, VAT included

38

Card transaction dispute fee (payable if it is proved that the transaction was performed (i) by the client or (ii) by the client due to the breach of the card rules)

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

39

Chargeback claim fee for non-Ameriabank cards

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

-

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

AMD 10,000 per transaction, VAT included

40

Card delivery

    a) Within Armenia and Artsakh

Free

Free

Free

Free

Free

Free

Free

Free

    b) Other countries

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

According to the postal bill

41

Provision of cards at the Bank branches (chargeable only for the newly issued cards)13

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

AMD 1,000

42

Card transaction insurance as per Ameriabank CJSC Card Insurance Terms during the period they are effective14

-

-

-


 AMD 3,000 yearly


 AMD 3,000 yearly


 AMD 3,000 yearly


 AMD 5,000 yearly


 AMD 5,000 yearly

1In case of scoring-based lending, either Visa Classic or Mastercard Standard card is issued to provide the overdraft, irrespective of the approved loan amount. There is no annual service fee in this case.

2The card may be used solely at Carrefour stores (not applicable in case of online shopping). It is not possible to withdraw cash from the card except for the cash withdrawal at tellers at any of Ameriabank branches. Furthermore, if the card is closed and there is a balance on the card account, it may be withdrawn in cash without any fee.
Cashback on any card transaction is 3% (taxes included), but maximum cashback amount per transaction is AMD 2,000 (taxes included) irrespective of the transaction value.
The cashback is paid out by the last business day of the month following the month of the transaction (purchase).

3The fee charged by Priority Pass for the lounge access at the airports shall be charged to the client's account in accordance with the Priority Pass invoice.

4The fee is not applied in case of cards issued for disbursement of score-based loans, stickers as part of Smart accounts and cards for delivery abroad, as well as first payroll cards ordered by employers.

5The service is available if the card is ordered at the Yerevan-based branches. The ordered cards are provided in Kamar Branch only. Furthermore, if the client submitted the card application before 4:00 p.m. of the banking day, the card may be provided on the same banking day. If the card application was submitted after 4:00 p.m., the card will be provided on the next banking day.

6Suspension of unauthorized card transactions worldwide

7If after cash withdrawal the client closes his all accounts with the Bank, and the total account balance is less than the required minimum cash withdrawal fee, no cash withdrawal fee shall be charged.

8No fees are charged if over AMD 1 million is withdrawn from the AMD-denominated card account Cash cannot be withdrawn at POS terminals with ArCa Carrefour Smile cards.

9 The amount will be available on the beneficiary’s card instantly. In case of Ameriabank cards, the amount will be activated on the account on the next business day, while in case of the cards issued by other banks, activation on the account shall be subject to the terms and conditions of the issuing bank.

10 No fees are charged for utility payments made at the Bank branches and via Internet Banking/Mobile Banking app.

11Max 3 transactions per day per account. Max limit per transaction: 500,000 for AMD; 1,000 for USD; 1,000 for EUR; 50,000 for RUB.

12Maximum amount per Ameriastream transfer is AMD 200,000, minimum amount is AMD 1,000, and the amount should be a multiple of 1,000.  The maximum amount of cash withdrawal within 24 hours is AMD 200,000 if the amount to be received comes from Ameriastream transfers made with specification of the same phone number in the transfer application(s).

13The fee is charged at the time of ordering and is not applied (i) for issuance of additional cards in the name of a third person if such third person is not in the Bank at the time of applying, and (ii) in case of first cards ordered by employers and issued as part of payroll projects, and (iii) if the card is to be provided within one banking day, in which case only the fee for the specified service shall apply.

14No fee if there is an overdraft on the card.

Brunei

Micronesia

 Philippines

Burma (Myanmar)

Mongolia

Samoa

Cambodia

Nauru

Solomon Islands

Chile

Nepal

South Korea

Cook Islands

New Caledonia

Timor-Leste

Fiji

Niue

Tonga

French Polynesia

North Korea 

Tuvalu

Indonesia

Pakistan

Vanuatu

Kiribati

Palau

Vietnam

Laos

Papua

U.S. American Samoa

Malaysia

New Guinea

 Puerto Rico

Marshall Islands

Peru

 U.S. Virgin Islands

The primary cardholder may request the bank to issue additional cards linked to the primary card in the name of the primary cardholder or another person. The type of the additional card may differ from that of the primary card but it should be of the same or lower grade. The primary cardholder may assign a separate monthly payment limit to each additional card.

Last updated on 28.09.2021, 10:21