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Online Banking
AraratMobile
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AraratMobile

Your Bank 24/7 at your fingertips - with only a smartphone and access to internet! 

You can download the app from Google Play and/or App Store for FREE.

 

How to register in the App?

AraratMobile app can be downloaded from Google Play and/or App Store for FREE by scanning a QR code.

You may register in the app in one of the following ways:

  • Online registration: Fill in your card details and register without visiting the Bank*;
  • Online identification: Identify yourself using your ID document, regardless of whether you are an ARARATBANK customer or not;
  • Registration via the link: Identify yourself in any branch of the Bank or by contacting the Call Center;

*Attention։ Registration is possible only if the 3D security system of your card is activated.

  • If the 3D security system of your card is not active, you may try one of the following:
  • Write an e-mail to carddep@araratbank.am (from an e-mail address registered in the Bank), stating your intention to activate 3D security system;
  • Contact ARARATBANK Call Center, identify yourself and apply for 3D activation;
  • Visit one of the Bank's branches or the head office and fill in the application form for 3D security system activation, after which you can register online and perform transactions through AraratMobile app.  
Transactions enabled through AraratMobile app
  • account opening*
  • current account top-up* 
  • loan disbursement
  • repayment of loans provided by ARARATBANK and other banks
  • deposit placement/top-up, termination
  • personal/group utility payments
  • currency conversion
  • linking and making transactions with cards issued by other ArCa system member banks
  • card-to-card transfers**
  • Flight transfers
  • Visa international transfers
  • MoneySend transfers
  • transfers to/from brokerage accounts
  • transfers in the RA territory
  • transfers to the state budget
  • property tax payments
  • waste disposal payments
  • bookmaker payments
  • parking fees, traffic fines and CMTPLI payments 
  • applying for replacement of lost and/or stolen card   
  • online queuing
  • submitting applications, complaints and proposals
  • applying for provision of reference
  • applying for a new PIN code 
  • receiving fast money transfers
  • digital card order
  • repayment of loan from another bank
  • reviewing pension accounts

No fee for opening a new online account shall be charged to ARARATBANK customers who have already acquired at least one product.

 

Service fees

 

Name of service

Fee (VAT included)

AraratMobile Resident Non-resident
 Provision Free
 Monthly service  Free
SMS delivery Free* / AMD 30.00**

*to mobile networks registered within Armenia 

** to mobile networks registered outside Armenia 

Type of service Fee/commission
Payments
State budget No commission charged
Property tax AMD 300
Waste disposal

No commission charged

Vehicle property tax AMD 300
Parking place

For up to AMD 1․000 – AMD 0, For more than AMD 1,000 - AMD 200 

Utilities and mobile communication No commission charged
Repayment of loan from another bank No commission charged
Conversion
Exchange rate deviation in AraratMobile app
  Purchase Sale
USD +0,25 -0,25
EUR +0,50 -0,50
Transfers
Between my accounts No commission charged
In AMD within the RA territory No commission charged
In foreign currency within the RA territory AMD 5000
Foreign currency transfers within the RA territory
Intrabank transfers of resident account holders Free

Intrabank transfers of non-resident customers between its accounts

Free
Intrabank transfers of non-resident customers to accounts of other account holders AMD 2,000
Transfers of resident customers outside the bank system 0.1% of the transaction amount, minimum: 5,000 AMD, maximum: 20,000 AMD
Transfers of non-resident customers outside the bank system 0.1% of the transaction amount, minimum: 10,000 AMD, maximum: 20,000 AMD
Card-to-card transfers

Between ARARATBANK cards - 0.3%;
From ARARATBANK card to another bank’s card –

0.15% + % of the receiving bank;
From another bank’s card to ARARATBANK card –

0.2% + % of the remitting bank

Replenishment of current account with another bank's card 0.2% + % of the remitting bank
Flight  0,3%

When a CMTPLI (Compulsory Motor Third-Party Liability Insurance) contract is concluded via AraratMobile app, a 5% discount applies to the insured who have BM class 9 and lower.

No fee for opening a new online account shall be charged to ARARATBANK customers who have already acquired at least one product.

Page updated 12.02.2024 | 16:54

In case of discrepancy between Armenian and English versions of the information, the priority is given to the Armenian version.