
Unistream
Remit money in AMD, RUB, USD and EUR via Unistream fast remittance system WITHOUT OPENING AN ACCOUNT.
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Currency
AMD, USD, EUR
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Remittance speed
10 minutes
Sending money | Transfers in USD, EUR, RUB and AMD | |
Receiving money | In USD, EUR, RUB and AMD | |
Transfer speed | 10 minutes | |
Fees charged |
1.The commission fee for transfers to the Russian Federation shall make 1% of the transferred amount and starting from 1.5% of the amount transferred to other countries | |
2.The commission fee for transfers in RUB, USD and AMD to Russia, CIS countries shall make 0% irrespective of the amo | ||
3.Unaddressed transfers can be also carried out in AMD, RUB with commission fee totaling 0.6% of the transferred amount., USD and EUR on the territory of the Republic of Armenia, with commission fee totaling 3.5% of the transferred amount. | ||
4. The commission fee for unaddressed transfers to Greece shall make 1%. The commission fee for transfers to Greece shall make 0% (when the currency of a remitter differs from the currency to be received by a remitee. Conversion shall be made within the system. For instance, the remitter sends money in AMD from Armenia and the remittee receives money in RUB in Russia at the exchange rate fixed by the system). | ||
5. For transfers to India, Bangladesh and the Philippines: | ||
Up to 700,00 USD/EUR | 7 USD/EUR | |
700,01 USD/EUR and over | 1% | |
Up to 2 000,00 RUB | 200 RUB | |
2 000,01 RUB and over | 1% | |
6.Albania (USD, EUR) – 2.5% | ||
7. Belarus (USD, EUR, RUB) – 1% | ||
8. Bulgaria | ||
Up to USD/EUR 100 | USD/EUR 5 | |
USD/EUR 100.01–400 | USD/EUR 8 | |
USD/EUR 400.01-500 | USD/EUR 10 | |
USD/EUR 500.01-750 | USD/EUR 15 | |
USD/EUR 750.01-1000 | USD/EUR 20 | |
USD/EUR 1000.01-1500 | USD/EUR 30 | |
USD/EUR 1500.01-2000 | USD/EUR 40 | |
USD/EUR 2000.01-3000 | USD/EUR 60 | |
USD/EUR 3000.01-4000 | USD/EUR 80 | |
USD/EUR 4000.01-6000 | USD/EUR 120 | |
USD/EUR 6000.01-7000 | USD/EUR 140 | |
USD/EUR 7000.01-8000 | USD/EUR 160 | |
USD/EUR 8000.01 և բարձր | 2.5% | |
9. Great Britain (USD, EUR) – 0% /payment in GBP/ | ||
10. Vietnam (USD, EUR) – 1% /payment in USD, EUR/ | ||
11. Germany (USD, EUR) – 2% / payment in EUR/ | ||
12. Greece – USD, RUB – 0% | ||
14. Denmark (USD, EUR, RUB) – 2% / payment in EUR/ | ||
15. Kazakhstan (USD, EUR, RUB) – 1% | ||
16.Kyrgyzstan (USD, EUR, RUB) – 1.5% | ||
17. Tajikistan (USD, EUR, RUB) – 1.5% | ||
18.Uzbekistan (USD, EUR) – 1% | ||
19.Latvia | ||
Up to USD/EUR 3000 / RUB 100000 | 1% | |
USD/EUR 3000.01 / RUB 100000.01 and over | USD/EUR 35 / RUB 990 | |
20. Lithuania | ||
Up to USD/EUR 3000 / RUB 100000 | 1% | |
USD/EUR 3000.01 / RUB 100000.01 and over | USD/EUR 35 / RUB 990 | |
21.Estonia | ||
Up to USD/EUR 3000 / RUB 100000 | 1% | |
USD/EUR 3000.01 / RUB 100000.01 and over | USD/EUR 35 / RUB 990 | |
22. Moldova (USD, EUR, RUB) – 1% | ||
23. Serbia (EUR) – 2% | ||
24. Slovakia (USD, EUR, RUB) – 2% / payment in EUR/ | ||
25.Israel | ||
Up to USD 3000 | 1.5%` with no minimum amount | |
USD 3000.01 | USD 35 | |
26. Italy | ||
EUR-EUR | 3% minimum Euros 5 to Euros 999 for transfers | |
RUB-EUR | 200 for up to RUB 12000 | |
RUB-EUR | 0% for transfers exceeding 12000 RUB | |
USD-EUR | USD 3 for up to USD 200 transfers | |
USD-EUR | 0% for transfers over USD 200 | |
AMD-EUR | AMD 1600 up to AMD 110 000 for transfers | |
AMD-EUR | 0% for transfers exceeding AMD 110000 | |
27. Sri Lanka | ||
Up to 7.000 RUB | 100 RUB | |
700,01 RUB and over | 0% | |
Up to 100 USD/EUR | 1 USD/EUR | |
100 USD/EUR and over | 0% | |
28․ USA | ||
USD-USD | 3% | |
Replenishment of American bank accounts | ||
15.000 USD | 1%, min. 15 USD, max 50 USD | |
Geographic outreach | Russia, CIS countries as well as other foreign countries. | |
Particularly all UAE cities of interest to business circles and especially international business center in Dubai. | ||
Payments and transfers to Iraq, Syria, Lebanon, Afghanistan, Somalia, Yemen and Libya shall be prohibited. |
Transfer requirements
- Pasport or ID card
To receive the transferred amount, it is necessary
- to provide the identification document
- specify the transfer code, consisting of 12 digits
From now forward, it is possible to top up international plastic cards (Visa, MasterCard, МИР) via UNISTREAM system – Cash to Card.
Below are the RATES for Cash to Card service:
- 0,1% of transferred amount to top up RF bank cards. The rate shall work only for top-ups in double currency: RUB - to – RUB top-ups etc. For other cases 1,5% shall work.
Maximum amount per transfer shall make RUB 75000. Customers may execute as many transactions as they wish (no restrictions are applied).
- 1,5% of transferred amount to top up bank cards of other countries (Min. USD/EUR 5 and RUB 100).
Maximum amount per transfer: RUB 75000, EUR 1700 and USD 2500. Five (5) transactions per day may be executed by a customer.
What is required to top up bank cards via the Cash to Card service?
A customer must submit:
- a document that verifies the identity of a customer
- an international bank card number to be topped up
- first and last names of the beneficiary
Customers will be PRIVILEGED to:
- top up their own card account
- top up card accounts of another person, including the customers who travel with the given card
- execute transfers - top up an account at considerably affordable rates
- receive an amount on the card account with no need to visit a branch.
Attention: Тhe service is temporarily suspended.
You may now top up accounts opened in the European Economic Area through the UNISTREAM SEPA service.
Replenishment currency | Euro |
Transfer currency | Commission fee |
EUR |
for EUR 200 – EUR 2 for transfers exceeding EUR 200 - 1% of the transferred amount |
USD | USD 2 |
RUB | RUB 100 |
AMD | AMD 750 |
Maximum limit per transfer | RUB 3 000 000 or equivalent in another currency |
A remitter can make 1 wire transfer per day |
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A remittee can receive 1 wire transfer from 1 remitter |
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For transfers exceeding RUB 600,000 or its equivalent in another currency, the Customer shall be obliged to submit data on the origin of funds and other required documents |
- Funds added to SEPA accounts through the UNISTREAM system become available within 15 minutes to 3 banking days;
- No modifications may be made to the transfer data that has already been sent;
- You may cancel the money transfer if the funds have not yet been deposited into the beneficiary's account. Transfer cancellation fee is EUR 25.
To top up UNISTREAM-SEPA accounts, you need to provide:
- full name of the beneficiary where the beneficiary is a natural person
- name of the organization where the beneficiary is a legal person
- Beneficiary IBAN
Transfers can be made to both natural and legal persons.
When transferring money to a legal entity, the natural person shall be required to submit a supporting document such as an invoice, contract or any other relevant document.
- The Bank shall be obliged to provide a confirmation document for each transfer, specifying the transfer amount, currency and commission fee. The beneficiary shall receive the amount in full and shall not pay a commission fee.
- Correction of errors in the transaction, as well as cancellation of the transfer shall be carried out within the capacity and time frame of Remitter and Beneficiary banks.
- Change of remittance data as well as cancelation thereof shall be carried out based on the written request of the remitter. The rate shall make AMD 1000. Remittances that have been carried out cannot be considered void, if the amount has been paid to the beneficiary.
- AraratBank shall not be held liable for the aftermaths occurred due to the transfer of a remittance code by a customer to a third party.
Attantion The bank shall not be held liable for the reliability and accuracy of the contents of the linked web-sites, for the advertisements therein as well as for possible consequences arising from the use of information.
“Your financial directory” is an electronic system which facilitates the search and comparison of the services offered to individuals, and selection of the best options for you
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.
Page updated 27.03.2023 | 11:53
In case of discrepancy between Armenian and English versions of the information, the priority is given to the Armenian version.