Send money from Armenia to the USA, Europe, Russia and India at reduced rates shown in the table below:

Terms and conditions for making money transfers to the United States via MONEYTUN system:

AraratBank customer accounts can be topped up from the United States through Moneytun system. 

Moneytun system allows topping up non-sanctioned Russian banks’ cards or accounts with a 1.5% commission fee.

ATTENTION: An online portal for transfers from abroad through MONEYTUN system is now available at https://firmpay.com/.

To send money, you need to provide:

• ID document
• Recipient’s full name, country, city, phone number

To receive money, you need to provide:

• ID document
• 6-12-digit reference code

List of banks crediting Union Pay card accounts issued by any bank in China.

Check the list of Chinese banks allowing replenishment of China Union Pay debit/credit cards:

• Industrial and Commercial Bank of China
• Bank of China
• Bank of Communication
• China Construction Bank
• China Everbright Bank
• Harbin Bank
• Bank of Shanghai
• Lingshan Bank
• Hunan Rural Bank
• Guangdong Rural Bank
• Huaxia Bank

MONEYTUN AraratDirect service now allows to top up ARARATBANK customer bank/card accounts.

To top up an account, you need to:

• Visit any of MONEYTUN system service locations in California and Nevada,
• Provide the recipient’s full name, phone number, and account/card number.

You may also top up an account from MONEYTUN online platform by:

• clicking onhttps://firmpay.com
• opening an account athttps://firmpay.com/auth/signup

SEPA

• Transfer currency – US dollars
• Disbursement currency - Euros
• Fixed rate - AMD 9000

ACH

• Transfer currency – US dollars
• Disbursement currency – US dollars
• Fixed rate - AMD 9000

India Transfer

• Transfer currency – US dollars
• Disbursement currency - Indian Rupees
• Fixed rate – AMD 9000

• The Bank shall be obliged to provide a document confirming each transfer and specifying the amount and currency of the transfer and the commission fee charged.
• Timing of funds availability is not defined.
• The recipient shall receive the transfer amount in full and shall not be charged any commission fees.
• In the event of non-payment, delay or refusal of payment of transfers made by the Bank to destination countries with accurately and completely provided data and acceptable status, the Bank shall clarify the reason for such non-payment, delay or refusal of payment and guide the Customer through the process of receiving the transfer amount due.

• In the event that the sender requests the return of transfer amount due to the impossibility of its receipt by the beneficiary for reasons beyond the control of the sender and the recipient (e.g., human error, system malfunction, etc.), the commission fee shall also be refunded to the sender, in agreement with the fast remittance system where appropriate.
• Correction of errors or cancellation of the transfer shall be carried out within capacities and timeframes of the remitting and receiving banks.
• Change of the transfer data or cancelation of the transfer shall be carried out based on the written request of the sender, subject to AMD 1000 service charge.
• Executed remittances cannot be cancelled if the amount has already been picked up by the recipient.

• Where the transfer transaction is rejected, the system operator shall be obliged to indicate the reason for such rejection.
• The Bank shall not be held liable for the consequences that may arise in case the Customer provides the transfer reference code to a third party.

For more information, please refer to https://moneytun.com/.

Attention: The Bank shall not be held liable for the reliability and accuracy of the contents of the linked web-sites and for possible consequences arising from the use of advertisements and information contained therein.

“Your financial directory” is an electronic system which facilitates the search, comparison and selection of the best options in the services offered to natural persons.

You shall have the right to communicate with the financial institution by any convenient way - by post or e-mail. Receiving information electronically is considered 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.