If you are a member of the Federation of Professional Unions of Medical Workers, this card is specially designed for you. With the Arca Acba Federation card, enjoy free servicing, free cash withdrawals, and convenient and secure payments throughout Armenia.
No fee is charged for card servicing.
Withdraw cash from any ATM without additional fees.
Use a secure one-time password system.
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, individuals will receive cashback of 2% of the total amount of cashless payments made with ArCa cards.
For the calculation of cashback, payment transactions made with all ArCa payment cards (except ArCa Business cards) will be taken into account, excluding the transactions listed below:
Payments made for information, communication, and utility services,
Payments made in favor of the state and community budgets of the Republic of Armenia,
Transactions made at high-risk merchants, including merchants providing:
“Adult Content,”
“Dating Websites and Platforms,”
“Casinos and Gambling Services,”
“Gambling,”
“Crypto Exchanges, 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,”
Any payments and transactions charged by financial organizations for services offered by financial organizations, in favor of financial institutions,
Refunds, compensations, and chargebacks. In this case, cashback previously paid for transactions underlying the refunds, compensations, and chargebacks will be deducted from the cashback payable during the current month.
Cashback Amount and Limits
Within the framework of this project, cashback is calculated for each transaction exceeding AMD 1,000, provided that the cashback amount granted 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 relation to the cashback.
Cashback Transfer
The cashback is transferred to the beneficiary’s account by the 25th day of the month following the reporting month.
If the beneficiary makes transactions using 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 a document containing the Social Services Number prescribed by law, or the original statement issued by the state registry authority regarding obtaining or not obtaining a Social Services Number.
How can you apply for a card?
OPTION I | OPTION II |
Complete the online card application here | Visit any branch of the Bank |
How long does it take to obtain the card?
After completing 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 business days, while the Card will be activated within a maximum of one business day from the date of Card issuance.
The Bank also provides an Express Card Issuance, Reissuance and Replacement Service within 1 banking day. The service is available at all branches in Yerevan, while the card may be ordered at any branch of the Bank. The service is available only for cards without a paper PIN code, according to the tariffs applicable at the Bank at that time.
If the application for the Card and card account is completed online, the Card will be ordered 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 through any of the above methods, you need to visit the branch of the Bank selected by you to receive the Card, presenting your identity document and Social Services Number.¹
To prevent unauthorized use of the Card by third parties, the following rules must be strictly observed:
ensure the confidentiality of the Card details and PIN code (for Visa Digital/Mastercard Digital First cards, if such a code is available). For this purpose, it is recommended to destroy the receipt containing the PIN code (if available), take all possible measures to prevent the Card details and/or PIN code from being accessible to other persons or recording devices, do not write the PIN code on the Card, phone, or computer, and do not keep it together with the Card or in any other 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 for the email address registered with the Bank,
ensure the confidentiality of the code used to verify the authenticity of the Card,
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 the Bank’s internal legal acts, involving the use of deception or abuse of trust and deliberate actions aimed at obtaining personal or property-related benefit.
¹ The Social Services Number is indicated on the identification card of a citizen of the Republic of Armenia, identity documents of stateless persons permanently residing in the Republic of Armenia and refugees, the previously issued social security card, as well as in a statement issued by the state registry authority, or an original statement issued by the state registry authority regarding not obtaining a Social Services Number.
Find detailed information about Card delivery here.
Financial Assistant
ATTENTION: "YOUR FINANCIAL INFORMANT" IS AN ELECTRONIC SYSTEM THAT MAKES IT EASY TO SEARCH FOR, COMPARE, AND CHOOSE THE MOST EFFECTIVE OPTION FOR INDIVIDUALS.
The Card PIN code is provided using the method 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 telephone number registered with the Bank for receiving SMS messages, which is used to set a new PIN code through an ATM.
Card reissuance is carried out by the 10th business day of the last month of the Card’s validity period.
The decision on Card reissuance is made by the Bank based on the volume of transactions made with the Card, payment of the Card servicing fee, and the funds available in the account, and, in the case of cards with a credit line, also based on the number of overdue days.
The Card is closed within three business days after all previously made Card 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 Cardholder does not return the Card to the Bank, the Cardholder bears full financial responsibility for transactions made with the Card after termination of the Card until the expiration of the Card, where such transactions do not require authentication (verification of authorization to perform the transaction).
The Card is retained by ATMs if:
after a cash withdrawal/balance inquiry transaction, the customer does not take their Card from the ATM,
the ATM experiences a communication failure or another technical malfunction.
In case of Card retention, you need 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 is returned to the customer by the branch that retained the Card if the customer visits the Bank within 3 business days with an identity document, unless the customer wishes to receive the Card at another branch.
If a card of another Armenian bank is retained, the Card is returned to the customer if they visit the Bank within 3 business days with an identity document. If the Cardholder does not appear, the Card is transferred to the issuing bank in accordance with the Bank’s applicable procedures.
If a card of a foreign bank is retained, the Card is returned to the Cardholder if they visit the Bank within 1 business day with an identity document. If the Cardholder does not appear, the Card is 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 in case of overdue obligations related to 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 that must be provided under the legislation of the Republic of Armenia are provided free of charge. Statements that are not mandatory under the legislation of the Republic of Armenia, duplicate statements, and statements submitted to foreign embassies and visa centers are provided as follows:
for a period of up to 6 months (inclusive) - free of charge,
for a period of more than 6 months and up to 12 months (inclusive) - AMD 2,000 (including VAT),
for a period exceeding 1 year - AMD 3,000 (including VAT).
Statement Issuance Tariffs:
within the business days following the application for obtaining the statement - within the business day following submission of the application at a Bank branch - AMD 3,000; when applying through the acba digital system - AMD 2,000 (including VAT).
on the same business day, within 1 hour - AMD 5,000; when applying through the acba digital system - AMD 4,000 (including VAT).
through the delivery service - AMD 4,000 (including VAT).
issuance of a duplicate statement 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 public documents, and the procedure for their application is presented to the Cardholder by a Bank employee as part of the review process of the complaint-application.
If the transaction disputed by the Cardholder is a cash withdrawal transaction, it is subject to satisfaction by the Bank only if the bank servicing the relevant ATM or cash dispensing point accepts the fact that the cash was not provided.
If the transaction disputed by the Cardholder is a payment, an internet payment, or a payment made by presenting the Card details, it is subject to satisfaction by the Bank if, within the dispute process stipulated by the Payment System rules, 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-to apply 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.
The Bank is not liable for:
a) delayed, incorrect, or uncompleted transactions caused by the fault of merchants and service providers or the Payment System, or by technical reasons beyond the Bank’s reasonable control,
b) failure of 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) unauthorized transactions carried out using the Card or Card details, if such transactions were not the result of the Bank’s failure to fulfill its obligations stipulated by the Agreement,
d) transactions carried out with a microprocessor (chip) card using a PIN code, if such transactions were not the result of the Bank’s failure to fulfill its obligations stipulated by the Agreement,
e) transactions carried out via the internet, if such transactions were not the result of the Bank’s failure to fulfill its obligations stipulated by the Agreement,
f) transactions carried out in violation of the security rules stipulated by the Agreement,
g) disputes arising between the Cardholder and merchants and service providers,
h) disclosure of the Account, PIN code, Card number, password, and other Card-related information to third parties for reasons beyond the Bank’s control.
Each month, the Bank informs the Cardholder about the transactions made with the Card during the previous month by providing a statement from the card account.
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 ACRA Credit Bureau in accordance with the procedure established by the legislation of the Republic of Armenia and the Bank’s internal legal acts.
Upon the Cardholder’s request, in cases 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 through 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 undertakes to block the Card through the acba digital internet banking system or immediately visit the nearest branch of the Bank to submit an application for Card blocking, 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 following an attempted fraudulent transaction/confirmed fraudulent transaction with the Card, the Cardholder bears full financial responsibility for transactions made with the Card until 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 the transaction), for which the Cardholder bears full financial responsibility until the expiration of the Card if the Card is not returned to the Bank when notifying the Bank of the theft of the Card details or an attempted fraudulent transaction/fraudulent transaction with the Card.
For more detailed information about the Card use and security rules, please see here.
“YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN YOUR PREFERRED WAY, BY POST OR ELECTRONICALLY. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT. IT IS AVAILABLE 24/7, FREE FROM THE RISKS OF LOSING PAPER INFORMATION, AND ENSURES CONFIDENTIALITY.”
