To order a digital card, you need to:

• Log in to AraratMobile app
• Select “Application” tab
• Select “New VISA DIGITAL card” tab
• Select type of card
• Select currency
• Enter your mobile phone number
• Enter your address
• Select 3DSecure service activation language
• Activate/deactivate SMS notification service
• If activated, select type and limit
• Read the Digital Card Order Agreement
• Select the debit account to which the card annual service fee shall be charged
• Submit

* This applies only to cards issued in plastic form.

** Please be informed that in ARARATBANK customer service points (including the online platform), in addition to fees charged for transfers, the Acquiring Bank commission fee shall be also applied, charged at the time of transaction and summed up with the transaction amount. Besides, in case of card-to-card transfers 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 set by the given bank.

*** Cash withdrawal fee (regardless of currency) from the Bank’s cash desk via POS terminal by means of payment cards issued by other banks - 3%.

 **** Fees are charged on a monthly basis.

Foreign currency withdrawal -previous terms

 Upon receipt of the card, the Customer shall: 

• sign in the field provided on the back of the card
• sign the agreement and the notice
• sign in the field provided for PIN code  

Timelines for crediting funds to card accounts:

• Funds credited to accounts between 5:30 p.m. of the previous business day and 9:30 a.m. of the following business day shall be activated by 10:30 a.m. of the given business day․
• Funds credited to accounts between 9:30 a.m. and 1:30 p.m. of the given business day shall be activated by 2:00 p.m. of the given business day.
• Funds credited to accounts between 1:30 p.m. and 5:30 p.m. of the given business day shall be activated on the same business day within an hour․

Rules for issuance, service and secure usage of plastic payment cards

• In AraratMobile app, the Digital Card can be activated within minutes.
• You can order a Digital Card without having to visit the Bank.
• You can make transactions online without the need for a physical card, and your Digital Card details are not displayed when making payments.
• The Digital Card allows avoiding possible risks of being lost or stolen.
• You may order a physical copy of your Digital Card.
• You can add your Visa Digital card to Apple wallet, Google Pay and make online transactions in a fast, easy and convenient way from anywhere in the world.

“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.