N
|
Debit cards with overdraft
|
Card Subtype1
|
ArCa Classic
|
VISA Classic Mastercard Standard
|
VISA Classic Student
|
VISA Classic Moons
|
Visa Digital2
|
VISA Gold Mastercard Gold
|
VISA Platinum Mastercard Platinum
|
VISA Signature
|
|
Currency
|
AMD
|
AMD/USD/EUR
|
AMD/USD/EUR
|
AMD/USD/EUR
|
AMD/USD/EUR
|
AMD/USD/EUR
|
AMD/USD/EUR
|
AMD/USD/EUR
|
|
Card validity period
|
4 years
|
4 years
|
4 years
|
4 years
|
4 years
|
4 years
|
4 years
|
4 years
|
1
|
Card issuance
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
2
|
Card service
|
AMD 5,000 annually; AMD 2,500 annually if ordered by MyAmeria app
|
AMD 5,000 annually; AMD 2,500 annually if ordered by MyAmeria app
|
Free
|
AMD 1,000 annually
|
Free
|
AMD 2,000 monthly/ AMD 20,000 annually; AMD 10,000 annually if ordered by MyAmeria app
|
AMD 3,000 monthly/ AMD 30,000 annually; AMD 20,000 annually if ordered by MyAmeria app
|
AMD 6,000 monthly/ AMD 60,000 annually; AMD 50,000 annually if ordered by MyAmeria app
|
3
|
Additional card issuance
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
4
|
Annual service of additional card
|
AMD 2,500
|
AMD 2,500
|
AMD 1,000
|
AMD 1,000
|
AMD 1,000
|
AMD 10,000
|
AMD 15,000
|
AMD 30,000
|
5
|
Provision of PIN in an envelope (chargeable only for the newly issued cards)3
|
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
|
6
|
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
|
7
|
Minimum card account balance
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
N/A
|
8
|
Annual interest rate accrued on the card account balance
|
0%
|
0%
|
AMD: 3% USD: 0% EUR: 0%
|
0%
|
0%
|
0%
|
0%
|
0%
|
9
|
Provision of the card within one banking day4
|
|
|
|
|
|
|
|
|
a) for Armenian citizens
|
AMD 5,000
|
AMD 5,000
|
AMD 5,000
|
AMD 5,000
|
-
|
AMD 5,000
|
AMD 5,000
|
AMD 5,000
|
b) for non-Armenian citizens
|
AMD 10,000
|
AMD 10,000
|
AMD 10,000
|
AMD 10,000
|
-
|
AMD 10,000
|
AMD 10,000
|
AMD 10,000
|
10
|
Card reissuance (in case of card expiry, seizure of the card by other Armenian banks, failure to receive a cvv code)
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
11
|
Card reissue for other reasons
|
AMD 2,500
|
AMD 2,500
|
AMD 2,500
|
AMD 2,500
|
AMD 2,500
|
AMD 5,000
|
AMD 5,000
|
AMD 5,000
|
12
|
Card reissuance for other reasons, requested by Internet/Mobile Banking
|
AMD 1,500
|
AMD 1,500
|
AMD 1,500
|
AMD 1,500
|
AMD 1,500
|
AMD 3,000
|
AMD 3,000
|
AMD 3,000
|
13
|
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)
|
14
|
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)
|
15
|
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
|
16
|
Card blocking
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
17
|
Card unblocking
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
18
|
Keeping the card in international STOP-LIST (for 7 days)5
|
-
|
AMD 9,000
|
AMD 9,000
|
AMD 9,000
|
-
|
AMD 9,000
|
AMD 9,000
|
AMD 9,000
|
19
|
Maximum daily cash withdrawal limit (total)
|
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
|
AMD 2,500,000, USD 8,000, EUR 8,000
|
20
|
Increase of maximum daily cash withdrawal limit (total)
|
a) One-time (new limit effective until 3:00 PM 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
|
21
|
Maximum number of cash withdrawal transactions per day
|
5
|
5
|
5
|
5
|
-
|
5
|
5
|
5
|
22
|
Cash withdrawal6
|
a) at Ameriabank ATMs
|
0%
|
0%
|
0%
|
0%
|
-
|
0%
|
0%
|
0%
|
b) at counters of Ameriabank branches, including POS-terminals7
|
0.2%, min AMD 500
|
For AMD cards: 0.2%, min AMD 500; For USD and EUR cards: 1%, min AMD 1,000
|
For AMD cards: 0.2%, min AMD 500; For USD and EUR cards: 1%, min AMD 1,000
|
For AMD cards: 0.2%, min AMD 500; For USD and EUR cards: 1%, min AMD 1,000
|
-
|
For AMD cards: 0.2%, min AMD 500; For USD and EUR cards: 1%, min AMD 1,000
|
For AMD cards: 0.2%, min AMD 500; For USD and EUR cards: 1%, min AMD 1,000
|
For AMD cards: 0.2%, min AMD 500; For USD and EUR cards: 1%, 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’s ATMs
|
0%
|
0%
|
0%
|
0%
|
-
|
0%
|
0%
|
0%
|
23
|
Cash deposit into Ameriabank card accounts via Ameriabank’s cash-in machines8
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
24
|
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%
|
25
|
Non-cash payments with the card at trade/service centers, including in the internet environment
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
Free
|
26
|
Transfers from cards/card accounts, on the basis of the card number (via Internet/Mobile Banking app, ATMs, ArCa app or website)9
|
0.3%
|
0.3%
|
0.3%
|
0.3%
|
0.3%
|
0.3%
|
0.3%
|
0.3%
|
27
|
Transfers from card accounts to other accounts, on the Bank premises or via Internet/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
|
28
|
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%
|
2.0%
|
29
|
Ameriastream transfers made from a card account via Internet/Mobile Banking app12
|
1.0%
|
1.0%
|
1.0%
|
1.0%
|
1.0%
|
1.0%
|
1.0%
|
1.0%
|
30
|
Adding a card issued by another bank to My Ameria app, removal of the added card13
|
Free
|
Free
|
-
|
-
|
Free
|
Free
|
Free
|
Free
|
31
|
Transfers with a card issued by another bank via My Ameria app14
|
0.5%
|
0.5%
|
-
|
-
|
0.5%
|
0.5%
|
0.5%
|
0.5%
|
32
|
E-wallet top-up with a card
|
0%
|
0%
|
0%
|
0%
|
0%
|
0%
|
0%
|
0%
|
33
|
Provision of statements
|
According to Ameriabank CJSC Tariffs for Individuals, Chapter 2, section “Provision of statements, information and copies of documents”
|
34
|
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
|
35
|
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
|
36
|
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
|
37
|
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
|
AMD 10,000 per transaction, VAT included
|
38
|
Card delivery
|
a) Within Armenia and Artsakh
|
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
|
39
|
Provision of cards at the Bank branches (chargeable only for the newly issued cards)15
|
AMD 1,000
|
AMD 1,000
|
AMD 1,000
|
AMD 1,000
|
-
|
AMD 1,000
|
AMD 1,000
|
AMD 1,000
|
40
|
Card transaction insurance as per Ameriabank CJSC Card Insurance Terms during the period they are effective16
|
-
|
AMD 3,000 yearly
|
AMD 3,000 yearly
|
AMD 3,000 yearly
|
AMD 3,000 yearly
|
AMD 5,000 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.
|
2 The customer may have up to 3 valid Digital cards.
|
3The fee is not applied in case of cards issued for disbursement of score-based loans, Smart accounts and cards for delivery abroad, as well as first payroll cards ordered by employers.
|
4The 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 customer submitted the card application before 4:00 PM of the banking day, the card may be provided on the same banking day. If the card application was submitted after 4:00 PM, the card will be provided on the next banking day.
|
5Suspension of unauthorized card transactions worldwide
|
6If 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.
|
7 No fees are charged if over AMD 1 million is withdrawn from the AMD-denominated card account.
|
8ATM cash-in service is not available for digital cards.
|
9The 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. The transfers specified in this clause are made in AMD only.
|
10 No fees are charged for utility payments made at the Bank branches and via Internet/Mobile Banking app.
|
11 Max 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).
|
13It is possible to add to MyAmeria app Arca, Mastercard, Visa cards issued by Armenian banks and verified by Arca. When adding a card, AMD 5 will be charged to the card and immediately credited back. The service is available if the customer has a personal public services number issued in Armenia or a reference on the absence of such number.
|
14 It is necessary to have a current AMD account with Ameriabank to be able to make transactions with the added card. In case of transactions made with cards in foreign currency, the transaction will be made in AMD, and the currency exchange will be performed at the exchange rate of the card issuing bank. In addition to these tariffs, the card issuing bank may charge additional fees in accordance with its rates and fees.
|
15The 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.
|
16No fee if there is an overdraft on the card.
|