Online Banking
Card cover

MasterCard Gold

MasterCard Gold is a premium class chip card developed by modern technology, with the highest level of protection and payment security. It  allows yo not only to withdraw cash and make payments in Armenia and abroad, but it also emphasizes your specific status.

Get a MasterCard Gold plastic card, use a special package of services and get the highest level of service. 


  • SMS service

    Free of charge

  • Service fee

    AMD 15․000

  • Currency


Service fees




Card validity period

4 years

Annual service fee

AMD 15,000

Annual service fee or foreign citizen

AMD 35,000***

Account statement Free of charge
Current account statement  Free of charge
Linked card Free of charge
Annual service fee of linked card AMD 8,000 
Card issuance at the Bank’s head office within a banking day AMD 5,000
Issue of a new card, in case of loss, damage of the card and PIN code AMD 2,000 
Cash withdrawal from ATMs of ARARATBANK OJSC 0%
Cash withdrawal from cash withdrawal points of ArCa system  0.80%
Cash withdrawal abroad, also from ATMs of VTB Bank located in Armenia 2% min AMD 1500 
Cash withdrawal from ARARATBANK cash desk without card use In AMD - 1%, USD - 2%,EUR - 2%, RUB - 1%, GBP - 0%
Cash withdrawal from ARARATBANK cash desk via POS terminal****  In AMD - 0%, USD - 2%, RUB – 0%, EUR - 2%, GBP - 0%
Cash-in ATMs of ArCa system AMD 0.80%
Non-cash transactions Free of charge
Annual interest accrued over the positive balance of card account AMD 0%
USD 0%
EUR 0%
RUB 0%
GBP 0%
Card unblocking AMD 4,000 
Number of daily cash withdrawal transactions 30
Total maximum amount of cash withdrawal transactions permissible within one day AMD 2,500,000
USD 7,000
EUR 5,000
RUB 224,000
GBP 4,000
Total maximum amount of one transaction  AMD 2,500,000
USD 7,000
EUR 5,000
RUB 188,000
GBP 4,000
Total maximum amount of transactions permissible within one day AMD 6,000,000
USD 20,000
EUR 13,000
RUB 540,000
GBP 9,500
Card blocking and placing the card in the international STOP LIST (blocking will be effective for two weeks) AMD 15․000 
Commission fee charged for card-to-card remittances 0.3%
SMS messages on executed transactions Free of charge
SMS message for the purpose of executing internet transactions with 3D Secure system Free of charge
SMS message provided via USSD service Free of charge
The issued plastic card and the card account shall be active from the moment the card has been issued

* including VAT

**Maximum daily limit of free cash deposit made in Russian rubles to card account is RUB 30,000. RUB-denominated deposit fee set by the Dealing Center is applied to card account deposits exceeding RUB 30,000 within a given day.

*** Card servicing fee is charged for each year.
**** Cash withdrawal fee (regardless of currency) from the Bank’s cash desk via POS terminal by means of payment cards issued by other banks - 5%.

***** Please be informed that in ARARATBANK customer service points (including the online platform), in addition to fees charged for transfers, Acquiring Bank commission is also applied, which is charged at the time of transaction and is summed up with transaction amount.

Upon receipt of the card the customer shall:

  • sign on the reverse of the card
  • sign both the Agreement and notification
  • sign in the field designated for PIN code

Dates for crediting funds to card accounts:

  • Funds credited to accounts between 17:30 of the previous business day and 9:30 of the following business day shall be activated by 10:30 of the given business day․
  • Funds credited to accounts between 09:30 and 13:30 of the given business day shall be activated by 14:00 of the given business day.
  • Funds credited to accounts between 13:30 and 17:30 of the given business day shall be activated on the same business day within an hour․
Required documents
  • Passport
  • Social security card

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.

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.

Page updated 13.05.2024 | 21:22

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