If you have an agricultural business and want a permanently available credit line to expand and develop it, then the ArCa Farmer card is for you.
No fee is charged for card servicing.
You can use the credit line via the card - simple and fast.
You can easily use the ArCa Farmer card credit line for both cashless payments and cash withdrawals.
Starting from January 1, 2026, within the framework of a project implemented by the Ministry of Finance of the Republic of Armenia and “Armenian Card” CJSC, cashback in the amount of 2% of the total amount of cashless payments made by individuals with ArCa cards will be provided.
For the calculation of cashback, payment transactions made with all ArCa payment cards (except ArCa Business cards) will be taken into account, excluding the following:
Payments made for information, communication, and utility services;
Payments made to the state and community budgets of the Republic of Armenia;
Transactions carried out at high-risk points of sale, including:
“Adult content”;
“Dating websites and platforms”;
“Casinos and gambling services”;
“Gambling”;
“Crypto exchange, crypto wallets and other crypto services”;
“High-risk financial trading platforms”;
“Digital file storage and remote access services”;
“Telemarketing services”;
“Automatically renewing subscriptions”;
“Precious metals and stones trading” points of service;
Any payments and transactions charged for services offered by financial organizations in favor of financial institutions;
Refunds, reimbursements and chargebacks. In the case of refunds, reimbursements and chargebacks, the cashback previously paid for the transactions underlying such refunds, reimbursements and chargebacks will be deducted from the cashback payable during the current month.
Within the framework of this project, cashback is calculated for each transaction exceeding AMD 1,000; the cashback provided for a single transaction may not exceed AMD 6,000.
The maximum cashback amount for each reporting month is AMD 60,000, regardless of the number of ArCa cards held by the beneficiary.
Transactions made with supplementary cards are added to the transactions made with the primary card.
The beneficiary does not incur any tax obligations in respect of cashback.
Cashback is transferred to the beneficiary’s account by the 25th day of the month following the reporting month.
If the beneficiary makes transactions with more than one ArCa payment card, the cashback will be transferred to the bank account through which the last transaction serving as the basis for the cashback was made.
For individuals.
Identity document,
A copy of the document prescribed by law containing the Social service number, or the original certificate issued by the authority maintaining the state register confirming the receipt or non-receipt of a Social service number,
Copies of the passports of guarantors and/or pledgors.
How to Apply for a Card
Option I | Option II |
Fill out an online card application here | Visit any branch of the Bank |
How long does it take to get a card?
After filling out the application for the Card and card account at any branch of the Bank, the Card will be provided to you within a maximum of seven working days, and activation of the Card will take place within a maximum of one working day from the date the Card is provided.
The Bank also provides an express card issuance, re-issuance, and replacement service within 1 banking day. This service can be used in all branches located in Yerevan, although the card can be ordered at any branch of the Bank. The service is available only for cards issued without a paper PIN code, in accordance with the Bank's current tariffs at that moment.
When applying for a Card and card account online, the order will be processed after mutual agreement between the Bank and you.
What is required to receive the card?
The Card is provided to customers who regularly receive transfers from abroad without opening an account.
After applying for the Card using any of the above-mentioned methods, you must visit your chosen branch of the Bank to receive the Card, presenting your identification document and Public Services Number (PSN).¹
To prevent unauthorized use of the Card by third parties, it is necessary to strictly follow these rules:
Maintain the confidentiality of Card details and the PIN code (for Visa Digital / Mastercard Digital First cards, if such a code exists). For this purpose, it is recommended to destroy the receipt containing the PIN code (if available), take all possible measures to ensure Card details and/or PIN code remain inaccessible to other persons or recording devices, do not write the PIN code on the Card, on a phone, or on a computer, and do not keep it together with the Card or in another place accessible to third parties; do not provide the Card and PIN code to other persons, including Bank employees.
Ensure the confidentiality of the password registered with the Bank.
Ensure the confidentiality of the password of the email address registered with the Bank.
Ensure the confidentiality of the Card verification code (CVV/CVC).
Ensure the confidentiality of the 3D Secure security code sent to you.
Important: Fraud is an act prohibited by the legislation of the Republic of Armenia or internal legal acts of the Bank—taking deliberate measures or actions through deception or breach of trust aimed at gaining a personal or property benefit.
¹ It is recorded on the Republic of Armenia citizen identification card, on identity documents of non-citizens residing permanently in the Republic of Armenia or refugees, on previously issued social security cards, as well as in a reference provided by the body maintaining the state register, or an official reference (original) provided by the body maintaining the state register regarding the non-receipt of a Public Services Number.
You can find detailed information regarding card delivery here.
Your Financial Assistant
ATTENTION: "YOUR FINANCIAL ASSISTANT" IS AN ELECTRONIC SYSTEM THAT FACILITATES SEARCHING, COMPARING, AND CHOOSING THE MOST EFFICIENT OPTION FOR SERVICES OFFERED TO INDIVIDUALS.
The card PIN code is provided in the manner selected by the cardholder when ordering the card:
in paper form, in which case the PIN code is provided in a sealed envelope;
via SMS, in which case a one-time six-digit code is sent to the phone number registered with the Bank for receiving SMS messages. The code is used to set a new PIN code through an ATM.
Cards are reissued by the 10th business day of the last month of the card’s validity period.
The decision to reissue the card is made by the Bank based on the volume of transactions made with the card, payment of the card service fee, and funds available in the account; for cards with a credit line, the number of overdue days is also taken into account.
The card is closed within three business days after all previously made transactions have been posted to the card account, provided that the account balance is sufficient to post the transactions made with the card and charge the fees stipulated by the Bank’s tariffs for such transactions.
The card may be closed only after all monetary obligations have been fulfilled.
When submitting an application to terminate the card, if the card is not returned to the Bank, the cardholder bears full financial responsibility for transactions made with the card after termination of the card until the expiry of its validity period that do not require authentication (verification of authorization to perform a transaction).
after a cash withdrawal/balance inquiry transaction, the customer does not take their card from the ATM;
an ATM communication failure or other technical malfunction occurs.
In the event of card retention, it is necessary to visit the nearest branch of the Bank or call (+374 10) 31 88 99 or (+374 10) 31 88 88.
If a Bank card is retained, the card will be returned to the customer by the branch that retained the card if the customer visits the Bank within 3 business days with an identification document, unless the customer wishes to receive the card at another branch.
If a card of another Armenian bank is retained, the card will be returned to the customer if they visit the Bank within 3 business days with an identification document. If the cardholder does not appear, the card will be transferred to the issuing bank in accordance with the Bank’s applicable procedures.
If a card of a foreign bank is retained, the card will be returned to the cardholder if they visit the Bank within 1 business day with an identification document. If the cardholder does not appear, the card will be transferred to the issuing bank in accordance with the Bank’s applicable procedures.
The card may be unblocked only if the Cardholder confirms verbally or in writing that the relevant transactions were made by them.
The Bank may unilaterally block the Card if there are overdue obligations under a loan provided through the Card or other loans with the Bank, until the first business day following the date of repayment of the overdue obligations, as well as in other cases stipulated by the Agreement or the legislation of the Republic of Armenia.
The Bank may block the Cardholder’s Card without notifying the Cardholder if there is a risk of fraudulent transactions being carried out with the Card.
During the term of the Agreement, the account statement and other information required to be provided free of charge under the legislation of the Republic of Armenia are provided free of charge. An account statement not required to be provided under the legislation of the Republic of Armenia, a duplicate of an account statement, and an account statement submitted to foreign embassies and visa centers are provided at the following rates:
for a period of up to and including 6 months - free of charge;
for a period from 6 to 12 months, inclusive - AMD 2,000 (including VAT);
for a period exceeding 1 year - AMD 3,000 (including VAT).
Within the business day following the submission of the certificate request at a Bank branch - AMD 3,000; when applying through acba digital - AMD 2,000 (including VAT).
Within 1 hour on the same business day - AMD 5,000; when applying through acba digital - AMD 4,000 (including VAT).
Via delivery service - AMD 4,000 (including VAT).
A duplicate certificate issued on the same day - free of charge.
The Cardholder has the right to dispute a transaction made with their Card within 55 (fifty-five) calendar days from the date of the transaction.
The Bank provides the Cardholder with a substantiated response within a maximum of 90 (ninety) calendar days from the date of submission of the application.
When disputing transactions, the dispute rules established by the payment systems apply. These are not publicly available documents, and the procedure for their application is explained to the Cardholder by a Bank employee as part of the complaint review process.
If the transaction disputed by the Cardholder is a cash withdrawal transaction, it is subject to settlement by the Bank only if the bank servicing the relevant ATM or cash dispensing point acknowledges the fact that the cash was not dispensed.
If the transaction disputed by the Cardholder is a payment, internet payment, or card-not-present payment transaction, it is subject to settlement by the Bank if, within the dispute process stipulated by the rules of the Payment System, the Bank recovers the amount of the disputed transaction from the servicing bank.
If, within the dispute process stipulated by the rules of the payment system servicing the Card, the Bank decides not to continue the dispute process, but the Cardholder wishes to proceed to the final stage of the dispute process by applying to the arbitration committee of the relevant Payment System, the fees established for applying to the arbitration committee, as well as the expenses incurred by the Bank if the Payment System makes a decision in favor of the other party, shall be reimbursed by the Cardholder.
a) for delayed, incorrect, or uncompleted transactions caused by the fault of points of sale and service or the Payment System, or by technical reasons beyond the Bank’s reasonable control;
b) for failed cash withdrawal or payment transactions carried out using funds not belonging to the Bank, if the Bank was not at fault for the failure;
c) for unlawful transactions carried out using the Card or Card details, unless this resulted from the Bank’s failure to fulfill its obligations stipulated by the Agreement;
d) for transactions carried out using a microprocessor (chip) card with a PIN code, unless this resulted from the Bank’s failure to fulfill its obligations stipulated by the Agreement;
e) for transactions carried out via the internet, unless this resulted from the Bank’s failure to fulfill its obligations stipulated by the Agreement;
f) for transactions carried out in violation of the security rules stipulated by the Agreement;
g) for disputes arising between the Cardholder and points of sale and service;
h) for the Account, PIN code, Card number, password, and other Card-related information becoming known to third parties for reasons independent of the Bank.
Each month, the Bank informs the Cardholder about the transactions made with the Card during the previous month by providing an account statement.
In case of failure to fulfill or improper fulfillment of obligations, information concerning the Cardholder will be provided to the Credit Registry of the Central Bank of the Republic of Armenia and the ACBA Credit Reporting Agency (ACRA) in accordance with the procedure established by the legislation of the Republic of Armenia and the Bank’s internal legal acts.
At the Cardholder’s request, in case of termination of the card, loss or damage of the card, forgetting the PIN code, or other cases, the Cardholder’s own funds available in the account are paid from the Bank’s cash desk or transferred to another bank account in accordance with the Bank’s applicable tariffs.
In case of loss or theft of the Card or Card details, or an attempted fraudulent transaction/fraudulent transaction with the Card, the Cardholder is required to block the Card through the acba digital internet banking system or immediately visit the nearest Bank branch to submit an application for blocking the Card, or call (+374 10) 31 88 99, (+374 10) 31 88 88, or (+374 10) 59 22 22.
In case of loss of the Card, theft of the Card or Card details, or an attempted fraudulent transaction/confirmed fraudulent transaction with the Card, the Cardholder bears full financial responsibility for transactions made with the Card before notifying the Bank of the loss of the Card or theft of the Card or Card details, except for transactions that do not require authentication (verification of authorization to perform a transaction), for which the Cardholder bears full financial responsibility until the expiry of the Card’s validity period if the Card is not returned to the Bank by the Cardholder when notifying the Bank of the theft of the Card details or an attempted fraudulent transaction/fraudulent transaction with the Card.
For more information on the Card use and security rules, please see here.
“YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION THROUGH YOUR PREFERRED METHOD, BY POSTAL OR ELECTRONIC MEANS. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT OPTION. IT IS AVAILABLE 24/7, FREE FROM THE RISKS OF LOSING PAPER-BASED INFORMATION, AND ENSURES CONFIDENTIALITY.”
