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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.


  • Currency

    AMD

  • Annual service fee

    AMD 1000

  • Cash withdrawal from ATMs and POS terminals of ARARATBANK OJSC

    0%

  • Cash withdrawal from cash withdrawal points of ArCa system

    0,8%

Service fees
Transaction type Rates*
Card currency AMD
Card validity period 2 years
Required balance N/A
Annual card service fee  AMD 1 000
Annual card service fee for foreign citizen AMD 5.000**
Linked card annual service fee  AMD 1000
Card issuance at the Bank’s head office within a banking day  AMD 2,000
Annual interest accrued on the card account positive balance 0% 
Cash withdrawal without card at ARARATBANK cash desk

1% AMD 500

Cash withdrawal at ATMs and POS terminals of ARARATBANK 0%
Cash withdrawal at other banks’ cash withdrawal points, ATMs and POS terminals 0,8%
Commission fee charged for card-to-card transfers** 0,15%***
Provision of new PIN code through ATM (AMD) free
Card reissuance in case of its loss, damage and loss of PIN code (AMD) 500 
Provision of statement   free
Current month’s statement (AMD) AMD 500
Statement via e-mail (AMD) free
Card blocking (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
Internet-based transactions per day

5 transactions within 5 hours

Maximum total amount per transaction (AMD) 300,000
Maximum total amount of cash transactions permissible per day (AMD) 500,000
Maximum total amount of transactions permissible per day (AMD) 1,500,000
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.

Special tariff for Ukrainian citizens

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



Required documents
  • Passport
  • Social security card
Attention

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.

Financial assistant
ABC finance

Page updated 11.11.2022 | 18:20

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