Online Banking
“Accumulative” deposit

“Accumulative” deposit


We offer our options for increasing your incomes.

  • Maxsimum period

    459 day

  • Minimum period

    91 day

  • Currency

    AMD, USD

Acceptance Conditions

Minimum sum of deposit

Annual percent

Minimum size of deposit acquisition

Deadline of deposit acquisition

period of 91-180 days
AMD     10.000 5.00% 7.000 30 days

USD 30 1.00% 15
period of 181-270 days
AMD 10.000 6.00% 5.000 30 days

USD 30 2.00% 10
period of 271-365 days
AMD 10.000 7.50% 5.000 30 days
USD 30     3.00% 10
period of 366-459 days
AMD 10.000 8.50% 5.000 30 days
USD 30 4.00% 10
Required documents

Please follow the Armenian version

Plastic cards to depositors

Please follow the Armenian version

Important to know
  • Interest rates for deposits of AMD 80,000,000 and over or equivalent in foreign currency shall be set by agreement.
  • 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. 


Please follow the Armenian version

Deposit amount


Annual interest rate

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

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

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) 0 դր.
Financial assistant
ABC finance

Page updated 11.10.2019 | 14:47

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