ArCa Classic
ArCa Classic plastic card with magnetic tape is intended for cashing out cash payments from ATMs in Armenia, NKR, making non-cash payments at trade points, receiving salaries, making payments on websites containing the ArCa logo.
Rates effective 07/15/23
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Currency
AMD, USD, EUR
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Annual service fee
AMD 1500
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Cash withdrawal from ATMs and POS terminals of ARARATBANK OJSC
0%
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Cash withdrawal from cash withdrawal points of ArCa system
0,8%
| Transaction type | Rates* |
| Card currency | AMD, USD, Euro |
| Card validity period | 4 years |
| Annual card service fee | AMD 1 500 |
| Annual card service fee for foreign citizen | AMD 7.500** |
| Linked card annual service fee for foreign citizen | AMD 5.000 |
| Linked card annual service fee | AMD 1500 |
| Card issuance at the Bank’s head office within a banking day | AMD 5,000 |
| Annual interest accrued on the card account positive balance | 0% |
| Cash withdrawal without card at ARARATBANK cash desk |
AMD 1%, 2% USD, 2% EUR |
| Cash withdrawal at ATMs and POS terminals of ARARATBANK | AMD 0%, 2% USD, 2% EUR |
| Cash withdrawal at other banks’ cash withdrawal points, ATMs and POS terminals | 0,8% |
| Commission fee charged for card-to-card transfers** | 0,3%*** |
| Provision of new PIN code through ATM (AMD) | 500 |
| Card reissuance in case of its loss, damage and loss of PIN code (AMD) | 500 |
| Provision of statement | AMD 500 |
| Current month’s statement (AMD) | AMD 500 |
| Statement via e-mail (AMD) | free |
| Card unblocking (AMD) | AMD 500 |
| Total maximum number of cash withdrawal transactions permissible per day | 30 |
| Total maximum number of transactions permissible per day | 30 |
| Maximum total amount per transaction (AMD) | AMD 500,000, USD/Euro 3,000 |
| Maximum total amount of cash transactions permissible per day (AMD) | AMD 500,000, USD/Euro 3,000 |
| Maximum total amount of transactions permissible per day (AMD) | AMD 1,500,000, USD 9.000, Euro 6.000 |
| Cash-in through ARARATBANK ATMs | 0% |
| Cash-in through ArCa system ATMs | 0,8% |
| SMS banking service for making Internet- based transactions via 3D Secure system | free |
| SMS messages on executed transactions (AMD) | 15 |
* VAT included
** One-off payment for two-year service applies
***Please be informed that in addition to commission fee charged for transfers at ARARATBANK service points (including the online platform), an additional fee of the relevant Servicing Bank is also applied, which shall be charged at the time of transaction and shall be added to total amount of transaction.
The card is issued to Ukrainian citizens who have arrived in Armenia from Ukraine, who will present a refugee travel document or asylum seeker certificate.
| Card currency | AMD |
| Card validity period | 2 years |
| Required balance | Not applicable |
| Annual card service fee | Free |
| Linked card annual service fee | Not applicable |
| Annual interest accrued on card account positive balance | 0% |
| Cash withdrawal without card at ARARATBANK cash desk | 1% |
| Cash withdrawal at ARARATBANK ATMs | 0% |
| Cash withdrawal at ARARATBANK POS terminals | 0% |
| Cash withdrawal at other banks’ cash withdrawal points, ATMs and POS terminals | 0,5% |
| Commission fee charged for card-to-card transfers | 0,15% |
| Provision of new PIN code through ATM | Free |
| Card reissuance in case of its loss, damage or loss of PIN code | Free |
| Account statement | Free |
| Current month’s statement | Free |
| Statement via e-mail | Free |
| Card blocking | Free |
| Card unblocking | Free |
| Maximum total number of cash withdrawal transactions per day | 30 |
| Maximum total number of transactions per day | 30 |
| Maximum total amount per transaction | AMD 300,000 |
| Maximum total amount of cash withdrawal transactions per day | AMD 500,000 |
| Maximum total amount of transactions per day | AMD 1,500,000 |
| Cash-in through ARARATBANK ATMs | Not possible |
| Cash-in through ArCa system ATMs | Not possible |
| SMS service for Internet-based transactions via 3D Secure System | Free |
| SMS service on executed transactions | Free |
| Card type | Debit and credit |
| The provided plastic card and card account become active from the date of card issuance | |
- Passport
- Social security card
“Your financial directory” is an electronic system which facilitates the search, comparison and selection of the most appropriate for you option among the services offered to individuals.
You have the right to communicate with the financial institution by any convenient means - by post or by e-mail. Receiving information electronically is the most convenient option. It is available 24/7, free from the risks of loss of paper information and ensures privacy.
Page updated 18.09.2023 | 15:32
In case of discrepancy between Armenian and English versions of the information, the priority is given to the Armenian version.
