ArCa Payment System Business Card - for legal entities and individual entrepreneurs operating in Armenia.
AMD - 18-20%
USD - 16-20%
EUR - 14-17%
AMD 7,000 per year
AMD 5,000 per year when ordered via acba digital
are a company founder or manager,
want to save your time and resources,
prefer to manage your finances more efficiently.
The company opens a card account, to which an ArCa Business card is issued at the request of the company’s manager for the purpose of performing cash and non-cash transactions. At its discretion, the company may open several card accounts and attach a maximum of three nominal cards to each account, one of which serves as the primary card, and the other two as attached cards. Each card, whether primary or attached, is issued in the name of an employee authorized by the company. Cardholders of attached cards have the right to use the funds available in the primary card account within the established limits.
Each transaction performed with the cards is reflected in the company’s card account and recorded based on the presented supporting documents.
To order ArCa Business cards, the company’s authorized manager or another person authorized by the organization, or in the case of an individual entrepreneur, the entrepreneur themselves, must visit any branch of the Bank and complete the Card Order Application.
Card issuance and service main terms
| ArCa Business | |
| Service fee | AMD 7,000 per year / AMD 5,000 per year when ordered via acba digital* |
| Currency | AMD, USD, EUR |
| Credit line limit | Up to the equivalent of AMD 3,000,000 |
| Annual interest rate on the credit line¹ | AMD - 18-20%, USD - 16-20%, EUR - 14-17% |
| Cash withdrawal fee from Bank ATMs and POS terminals | 0.3% |
| Attached card issuance**** | Free |
*For founders and directors of trade and service outlets having an agreement with the Bank for POS terminals and online payments - AMD 5,000 per year
** For founders and directors of trade and service outlets having a cooperation agreement with the Bank for POS terminals and online payments - AMD 3,000 per year
*** When secured by collateral, and up to AMD 9,000,000 without collateral
****Issuance of every 3rd and subsequent attached card: ArCa Business - AMD 1,000, Visa Business - AMD 3,000
Learn more about all tariffs for the issuance and servicing of Business cards
Learn more about the terms and conditions for servicing of the payment card
Previous tariffs of the card
It should also be noted that Acba bank is the only bank in Armenia that, when cash is withdrawn with this card, as well as with all other Visa system cards, from ATMs of any other bank in Armenia, charges a 1% commission without applying a minimum commission amount. It should also be noted that all Visa cards issued by the Bank are now chip-based, which makes counterfeiting and fraudulent use of these cards almost impossible.
Moreover, as a Visa International payment system card, the card is accepted in millions of retail and service outlets and ATMs in more than 200 countries worldwide.
¹ Unless otherwise stipulated within the framework of the Bank’s payroll service programs.
You can review the terms of the card delivery service here.
