* Maximum daily limit of free cash deposit in Russian rubles to card account is RUB 30,000.

RUB-denominated deposit fee set by the Dealing Center as of the day of transaction shall be applied to card account cash deposits exceeding RUB 30,000 within the given day.

**Not applied to amounts credited to card accounts of natural persons (except for private entrepreneurs) from interests accrued over the loan funds disbursed by ARARATBANK, term deposits and ARARATBANK bonds. 3% fee shall apply to cash withdrawals (regardless of currency) from ARARATBANK cash desks via POS terminals by means of payment cards issued by other banks.

In addition to the commission fee charged for cash withdrawal from ARARATBANK cash desks via POS terminals, a cash withdrawal commission of 0.2% shall also apply, charged on the day of transaction.

*** Where transactions are performed through ATMs, terminals or other online platforms of Armenian Card system member banks, the acquiring bank commission fee may also be applied, the amount of which shall be determined by the respective bank. Please be also informed that in ARARATBANK points of service (including the online platform), in addition to fees charged by the issuing bank, the acquiring bank commission fee of 0.5% shall also apply to payment cards not issued by ARARATBANK, charged at the time of transaction and summed up with the transaction amount.

**** Payment plastic card maintenance fee shall be charged annually.

*****Card delivery within the territory of Armenia by ARARATBANK OJSC is carried out exclusively in the case of newly opened cards issued without a PIN envelope, provided that the card issuance application is signed in advance by the customer at the Bank's premises (the service does not apply to orders made via the ARARATBANK OJSC website and mobile application, as well as in the case of receipt of the card by an authorized person). 

• 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.