Online Banking
Deposit secured

Deposit secured

Our depositors can enjoy a line of credit or overdraft at the same currency of the deposit they hold for up to 95% of their deposit amount. Minimum documentation and short-time for loan application processing are among the advantages of this overdraft.     

  • Currency

    AMD, USD, Euro

  • Maximum amount

    95% of loan-to-value ratio

  • Period

    Deposit effective period

  • Interest rate

    Deposit interest rate + 3% per annum

Overdraft amount Interest repayment by maturity Monthly interest repayment
90% of loan-to-value ratio 95% of loan-to-value ratio
Overdraft maturity Overdraft effective period cannot exceed the deposit effective period

Overdraft annual interest rate Deposit interest rate + 3% per annum

Penalty on past-due interest 0.07% daily

Penalty on past-due overdraft    0.06% daily

Attention: Loan interest rates shall accrue based on the nominal interest rate, while the effective annual interest rate shall show how much the loan will cost to you in case interests and other mandatory payments with regards to loan disbursement and service are repaid in due amounts and specified timelines.

The effective annual interest rate may change depending on the change of the exchange rate value published on the official website of the Central Bank of the Republic of Armenia

Where the loan is disbursed in foreign currency, changes in exchange rate may affect the loan repayments.


Required documents
  • Passport 
  • Social security card
Useful information

Please follow the armenian version


Where you fail to perform your loan obligations, the loan security, as well as another property of the borrower if the former is insufficient, may be seized and sold in a court or out-of-court procedure both through direct sale and public auction.

Where you fail to perform your obligations either fully or partially, the Lender shall send those data to the credit bureau within a three-day period, where your credit history is generated. You shall have the right to obtain your credit history from the bureau free of charge. Attention: A bad credit history may hinder lending in the future.

“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.


Loan amount


Annual interest rate

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

Term Payable interest Partial repayment of the loan General payment
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Financial assistant
ABC finance

Page updated 24.02.2021 | 08:55

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