Online Banking
Top-up deposit

Top-up deposit

We offer our options for increasing your incomes.

  • Period

    91-459 days

  • Currency

    AMD, USD

  • Max percentage

    AMD -9%, USD - 3․5%

Acceptance Conditions

Minimum sum of deposit

Annual percent

Annual interest yield

Minimum size of deposit acquisition

Deadline of deposit acquisition

period of 91-180 days
AMD     10.000 5.5% 5.5% 7.000 30 days

USD 30 0.5% 0.5% 15
period of 181-270 days
AMD 10.000 6.5% 6.5% 5.000 30 days

USD 30 1.5% 1.5% 10
period of 271-365 days
AMD 10.000 8% 8% 5.000 30 days
USD 30 2.5% 2.5% 10
period of 366-459 days
AMD 10.000 9% 9% 5.000 30 days
USD 30 3.5% 3.5% 10

Interest amounts over top-up deposits shall accrue based on nominal (simple) interest rate.  Annual interest yield shows the amount of income to be received by the depositor after redepositing the received interests

Required documents
  • A passport (or identification card) or a military record book, and where a depositor is a foreign citizen (except for dual citizenship), passports shall be translated into Armenian and notarized.
  • A social card or a reference on issuing a public service number.
  • A power of attorney certified by a notary public, where a person is authorized to deposit and/or manage funds.
Plastic cards to depositors

Plastic cards shall be issued with no annual service fee and minimum required balance.

Currency MC Standard/Visa Classic MC Gold/ Visa Gold MC Gold/Visa Gold, 
Diners Club Young Professional
AMD Up to 10,000,000.00
initial deposited amount
From 10,000,001.00 up to  25,000,000.00
initial deposited amount
25,000,001.00 and over initial deposited amount
USD Up to 20,000,00 and over initial deposited amount  From 20,001.00 up to  50,000.00
initial deposited amount
50,001.00 and over initial deposited amount 
Important to know
  • Interest rates for deposits of AMD 80,000,000 and over or equivalent in foreign currency shall be set by agreement.
  • Deposits may be topped up at any time on the 30th day prior to the expiry of the deposit agreement.
  • Bank and card accounts shall be opened for the Depositor free of charge. Once the deposit is repaid and the deposit agreement is not extended within one month, the current account shall become paid based on the rates applicable at the bank.
  • Where the depositor claims the deposit amount earlier than stipulated by the agreement, an interest rate of 0.1% shall be accrued annually. As for the interests paid in excess, such interests shall be charged from the deposit amount to be paid back to the customer.  
  • Frequency of interest payments – monthly, quarterly, or at the end of the term, may be chosen by the customer. 
  • The depositor shall be issued MasterCard Standard free of charge, with no annual service fee and no minimum balance requirement.
  • Accrued interest amount is taxable by income tax pursuant to the Armenian Law on Income tax, whereas the BANK shall act as a tax agent for income tax.
  • If the DEPOSITOR does not claim the DEPOSIT after the maturity date, the BANK shall transfer the DEPOSIT amount to the account opened in the DEPOSITOR’s name and any interests shall accrue thereon at the rates applicable in the BANK.

Deposits with AraratBank are guaranteed by the “Deposit Guarantee Fund”. Deposits (accounts) in AMD as well as in foreign currency invested by individuals and private entrepreneurs are guaranteed. Maximum amount of deposits in AMD to be guaranteed is AMD 10 million, and maximum amount of deposits in foreign currency is AMD 5 million. No actions are required from the DEPOSITOR to guarantee their deposits. Deposits are deemed as guaranteed from the moment they are placed. 


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You have the right to communicate with a financial institution of your choice by post or 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.

The bank may request additional documents or other information based on the "Know your customer" principle, as well as ask additional questions during oral communication, for the purpose of due diligence of the customer defined by the RA Law "On Combating Money Laundering and Terrorist Financing". .

In accordance with the agreement signed with the USA based on the Compliance Act (FATCA), the financial organization may collect additional information to determine whether you are a US taxpayer.

Deposit amount


Annual interest rate

All fields are required to be filled out and must not contain 0.

0 դր.

Interest calculated on a daily basis (In case of accumulative deposit, the calculation is made on the sum of the final deposit)

0 դր.

Total interest income calculated on the date of the deposit agreement

0 դր.

Net interest income actually paid to depositor during the deposit contract (10% of income tax deducted)

Note: Your interest rate is 10% of income tax.

Page updated 13.05.2024 | 20:31

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