Art and culture are the foundation of a nation’s identity. Based on this idea, Acba bank has created the Visa Signature Limited Edition cards, with the first edition dedicated to Martiros Saryan. The Visa Signature Limited Edition card is a charge card of the Visa international payment system.
Various types of travel and purchase insurance coverage are provided with the Visa Signature Limited Edition card.
Two free visits per year to Dragon Pass airport lounges for the cardholder and one guest.
Cardholders are provided with medical consultations and information on travel visas and entry requirements for all countries.
The cardholder and one guest can use the Fast Track service four times per year at Zvartnots and ten times per year through Fast Track International.
Flight, hotel and restaurant bookings, car rentals, travel planning, and more.
Unlimited free access to the Martiros Saryan House-Museum for the cardholder and one guest.
When purchasing tickets to the world's best museums, Visa Signature Limited Edition cardholders will receive a refund of up to AMD 20,000 to their card.
The Visa Signature Limited Edition card serves as a membership pass to the “Epos” Private Historical and Cultural Club, providing access to all of the club’s benefits.
Ability to scan the card design through the Arloopa app
Today, modern technologies allow us to experience art in new ways, and the Visa Signature Limited Edition card is that unique bridge between the past and innovation. Through Augmented Reality (AR) technology and the Arloopa app, cardholders can bring Martiros Saryan’s legendary “Armenia” artwork to life and step inside the virtual canvas, experiencing the warmth and energy of Saryan’s painted world and connecting with the power of his art by becoming part of it.
How to bring the “Armenia” artwork depicted on the card to life using the ARLOOPA app:
Download the ARLOOPA app
Select Marker Scanner
Allow access to the camera (if required)
Point your phone’s camera at the Acba bank Visa Signature Limited Edition card and scan it
Enjoy the “Armenia” artwork in virtual reality
Take your Visa Signature Limited Edition card with you when traveling and enjoy peace of mind and confidence wherever you are in the world.
Take advantage of the following travel benefits.
1. Free access to DragonPass airport lounges for the cardholder and one guest
Visa Signature Limited Edition cardholders and one guest have the opportunity to enjoy their time during each trip at any of more than 1,300 DragonPass lounges worldwide.
The cardholder can access the lounges with a digital membership by simply downloading the Visa Airport Companion app and registering by linking an active Visa Signature Limited Edition card.
The service can also be used by accessing the Visa Concierge Chatbot and obtaining an online membership card with a QR code.
To use the Visa Airport Companion app:
Download the Visa Airport Companion app,
Register your Visa Signature Limited Edition card in the app,
Find the lounge you wish to access and click the “Walk in” button,
Click the “Membership” button to gain access.
In the Visa Airport Companion app, you can:
view available lounge access options,
view information about the services you have used,
receive the latest information about lounge availability and lounges at airports,
access lounges without having the physical card, using the QR code provided by the app.
Starting from March 16 of this year, Visa Signature cardholders will be able to use 10 free visits if they have made non-cash payments totaling at least USD 400 or its equivalent in another currency during the 35 days preceding the date of lounge use. Otherwise, Visa Signature cardholders will be entitled to two free visits per year.
The offer is valid through September 30, 2026, inclusive.
You can find the details of the offer here.
2. Fast Track service at Zvartnots International Airport for the cardholder and one guest
The Visa Signature Limited Edition cardholder and one guest can use the Fast Track service at Zvartnots International Airport free of charge four times per year. This allows you to pass through airport procedures on a priority basis and save time. To use the Fast Track service:
Register with or be registered in the Visa Concierge chatbot,
Select “Fast Track service at Zvartnots Airport” from the chatbot’s main menu,
Click the “Get QR Code” button,
Receive your personal QR code to use the service.
For more details, please see here.
The offer is valid through September 30, 2026, inclusive.
3. Fast Track International service for the cardholder and one guest
Visa Signature Limited Edition cardholders can use the Fast Track service free of charge 10 times at selected airports in Cyprus, Italy, Spain, Austria, Belgium, Lithuania, Latvia, Poland, the UAE, Switzerland, England and France. This allows you to pass through airport procedures on a priority basis and save time.
To use the Fast Track service:
Register with or be registered in the Visa Concierge chatbot,
Select “Visa Travel” and then “Fast Track International” from the chatbot’s main menu,
Select the country and airport,
Click the “Get a voucher” button,
Select one of the following options: “Departure,” “International Departure” or “International Arrival,”
Receive your personal QR code to use the service.
The offer is valid through September 30, 2026, inclusive.
You can find the details of the offer here.
4. Concierge service
Visa Signature Limited Edition cardholders have the exclusive opportunity to use the Concierge service provided with the card, which helps organize your travels in the most efficient way. The Concierge service is ideal for those who love to travel but do not have enough time to organize their trips. The Concierge service includes flight, hotel and restaurant bookings, car rentals, travel planning, and more.
For more details, please see here.
To use the Visa Concierge chatbot service, click here.
5. Free luggage wrapping at Zvartnots Airport
Present your Visa Signature Limited Edition card at Zvartnots Airport and get the opportunity to use the luggage wrapping service free of charge six times.
The service may be used a maximum of once per day.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
6. Free parking at Zvartnots Airport with Visa
Visa Signature Limited Edition cardholders can park their cars at Zvartnots Airport free of charge for up to 1 hour through the Visa Concierge Chatbot.
The offer is available twice per year. To use it, select the Parking Zvartnots button in the Visa Concierge Chatbot, select the card and receive the voucher.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
7. Visa and Visa Luxury Hotels Collection
Book more than 900 luxury hotels worldwide with your Visa Signature Limited Edition card and receive the following benefits:
Guaranteed best rate
Room upgrade at check-in (subject to availability)
Late check-out (subject to availability)
VIP guest status
Breakfast for two each day
One-time voucher worth USD 25 for drinks or food at the hotel restaurant or bar
Make your bookings through the following link.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
8. Visa and agoda.com
Make bookings on Agoda.com with your Visa Signature card and receive up to 12% off.
The offer is valid through October 30, 2026, inclusive.
Bookings must be made through the following link.
You can find the details of the offer here.
9. Visa and Rentalcars.com
Rent cars through Rentalcars.com with your Visa Signature Limited Edition card and receive up to 10% off.
Make your bookings through the following link.
The offer is valid through June 15, 2027, inclusive.
You can find the details of the offer here.
10. Visa and SIXT
Rent cars through the SIXT website with your Visa Signature Limited Edition card and receive up to 15% off.
Make your bookings through the following link.
The offer is valid through October 25, 2026, inclusive.
You can find the details of the offer here.
11. Visa and Avis
Rent cars through Avis.com with your Visa Signature Limited Edition card and receive up to 35% off.
Make your bookings through the following link.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
12. Visa and BookingBash
Visa Signature Limited Edition cardholders have the exclusive opportunity to activate the ULTIMATE annual subscription free of charge in the BookingBash app and purchase tickets to amusement parks, water parks, museums and excursions in various countries at up to 50% off.*
To use the offer:
Download the BookingBash app from the App Store or Google Play,
Click the “Discover Offer” button on the main page,
Register your Visa card in the BookingBash app,
Activate the ULTIMATE offer, valid for 12 months.
*Countries: Australia, Austria, Czech Republic, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Oman, Poland, Portugal, Singapore, Spain, Türkiye, UAE, United Kingdom, United States.
The offer is valid through November 30, 2026, inclusive.
You can find the details of the offer here.
13. International medical and travel assistance for travelers
Before and during travel, cardholders are provided with various medical and travel assistance services. In particular, cardholders receive medical consultations and information on travel visas, entry requirements for all countries, and more. If assistance services are required, the cardholder should contact International SOS at +971 (4) 253 6024.
For more details, please see here.
14. Global Customer Assistance Service
The international multilingual Global Customer Assistance Service is available to cardholders 24 hours a day, 365 days a year. If the Visa Signature Limited Edition card is lost or stolen, representatives of Visa’s Global Customer Assistance Service can block the card within 30 minutes to prevent fraudulent purchases, arrange for a replacement card and deliver it to the cardholder within 3 business days, and provide cash at 270,000 locations worldwide.
You can find the telephone numbers of the Global Customer Assistance Service for all countries here.
15. 3GB roaming package
Visa Signature Limited Edition cardholders can receive a 3GB internet package in Europe with Roamingo. To use the offer:
Open the Visa Concierge chatbot,
Select Visa Travel, then the “Roaming offers” button, followed by “Roamingo”,
Receive the QR code and activation instructions,
Activate the service and use roaming.
The internet package is provided twice per cardholder.
The offer is valid through September 30, 2026, inclusive.
You can find the details of the offer here.
16. Visa and gg
Use gg Special and receive 10% off when paying with your Visa Signature Limited Edition card in Yerevan, Gyumri, Vanadzor and Kapan.
You can also receive AMD 1,000 off trips to Zvartnots and Shirak airports and trips from the airports to the city when paying with your Visa Signature Limited Edition card.
The discount is automatically calculated in the gg app when you select your Visa Signature Limited Edition card as the non-cash payment method.
The offer is valid through September 30, 2026, inclusive.
You can find the details of the offer here.
You can find the general terms and conditions of the services provided with the Visa Signature Limited Edition card here.
You can find the latest updates and detailed information regarding the above offers and discounts here.
The Visa Signature Limited Edition card is more than just a means of payment.
Cardholders can enjoy the following cultural benefits.
1. Free access to the Martiros Saryan House-Museum
Visa Signature Limited Edition cardholders have the exclusive opportunity to visit the Martiros Saryan House-Museum free of charge an unlimited number of times with one guest and explore the artistic heritage of the renowned Armenian painter. To enter, the cardholder must present the card and an identity document to a museum employee.
The offer is valid through March 1, 2027, inclusive.
2. Refund of admission fees at museums abroad when paying by card
Visa Signature Limited Edition cardholders have the opportunity to visit the world's best museums and receive a refund for admission fees paid with their Visa Signature Limited Edition card. Admission fees must be paid at museums or through the official websites of the museums.
The refund is available for up to AMD 20,000 per year. The refund is cumulative, meaning that until the offer expires, cardholders can visit more than one museum and receive a refund each time for the amount of the respective payment, up to a total of AMD 20,000.
The Bank credits the refund of admission fees to the cardholder's card account once a month, after the admission fee transaction has been processed by the Bank, no later than the 20th of the following month.
The offer is valid through March 1, 2027, inclusive.
3. Opportunity to become a member of the “Epos” Private Historical and Cultural Club
The Visa Signature Limited Edition card serves as a membership pass to the “Epos” Private Historical and Cultural Club. During the first visit, by presenting the Visa Signature Limited Edition card, the cardholder undergoes biometric identification, becomes a member of the private club and gains access to all of the club's benefits:
Special welcome treat upon first entry (cocktail)
Special benefits for tickets to historical and cultural events (special pricing, complimentary tickets, treats, etc.)
Special birthday offers, including a music program, themed cocktails, and more
Opportunity to sponsor other individuals' club membership
Guest access
Members-only events (private screenings, concerts, exhibitions, etc.)
Other benefits
The offer is valid through March 1, 2027, inclusive.
You can find the details of the offer here.
You can find the general terms and conditions of the services provided with the Visa Signature Limited Edition card here.
Take your Visa Signature Limited Edition card with you when traveling and enjoy peace of mind and confidence wherever you are in the world.
Take advantage of the following travel benefits.
1. Travel insurance
Various types of travel insurance coverage are provided with the Visa Signature Limited Edition card. To use the coverage, travel tickets and/or hotel payments must be made with the Visa Signature Limited Edition card. Travel insurance provides protection against a number of incidents during your trip, such as illness, baggage delay, flight delay, missed flight, assault, loss of money, and more. In such cases, the insurance provides financial compensation. The cardholder is also provided with a Certificate of Insurance, which can be obtained by visiting here.
In the event of an insured incident, the cardholder must contact the assistance service at +971 (4) 253 6024 or email visaclaims@crawco.pl. A claim can also be submitted here.
You can find the full terms and conditions of the insurance here.
Learn more about the benefits of the insurance package and how to use it here.
2. Purchase insurance
Visa Signature Limited Edition cardholders are provided with purchase insurance coverage, which protects purchases made with the card against theft and damage for 365 days from the date of purchase. In the event of an insured incident, the cardholder must contact the assistance service at +971 (4) 253 6024 or email visaclaims@crawco.pl. A claim can also be submitted here.
You can find the full terms and conditions of purchase insurance here.
You can find the general terms and conditions of the services provided with the Visa Signature Limited Edition card here.
Learn more about the benefits of the insurance package and how to use it here.
Make payments with your Visa Signature Limited Edition card and enjoy the following benefits.
1. Visa and Amberd
Make bookings at Amberd Hotel with your Visa Signature Limited Edition card and receive a 10% discount on weekdays.
The offer includes breakfast. To use the offer, you need to make the room reservation yourself and pay with your Visa Signature Limited Edition card.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
2. Visa and Best Western Plus Paradise Hotel Dilijan
Make bookings at Best Western Plus Paradise Hotel Dilijan with your Visa Signature Limited Edition card and receive a 10% discount.
The discount applies to bookings of Superior King Room category rooms and higher.
To use the offer, the reservation must be made directly through the hotel by phone, email or at the hotel reception, and payment must be made with the Visa Signature Limited Edition card.
The discount does not apply to bookings made through online booking platforms, including Booking.com, Expedia and other platforms.
The offer cannot be combined with other hotel discounts, promotions, special offers or package offers.
The offer is valid through October 20, 2026, inclusive.
You can find the details of the offer here.
3. Visa and Apricot Hotels & Resorts
Make payments at Apricot hotels in Gyumri and Yerevan with your Visa Signature Limited Edition card and enjoy the following benefits:
Early check-in, where available, up to 4 hours before the standard check-in time,
Late check-out, where available, up to 4 hours after the standard check-out time,
Complimentary room upgrade, where available.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
4. Visa and COLE HAAN, Jack and Jones, Levi’s, New Balance, Puma
Pay with your Visa Signature card at Cole Haan Armenia and New Balance stores and receive a 5% discount, and at Jack and Jones, Levi’s and Puma stores and receive a 10% discount.
The offer is valid through August 31, 2026, inclusive.
You can find the details of the offer here.
5. Visa and AKG
Pay with your Visa Signature Limited Edition card at AKG More Than A Pharmacy stores and receive a 10% discount.
The special WOPAKG promo code must be provided to receive the discount. The discount applies to the specified range of products and cannot be combined with other special offers or discounts.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
6. Visa and The Body Shop
Pay with your Visa Signature Limited Edition card at The Body Shop stores and receive a 10% discount.
The special WOPTBS promo code must be provided to receive the discount.
The discount cannot be combined with other special offers or discounts.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
7. Visa and Square One
Pay with your Visa Signature Limited Edition card at the Square One café and receive a 15% discount on the coffee menu.
The discount cannot be combined with other special offers or discounts.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
8. Visa and Cinnabon Armenia
Pay with your Visa Signature Limited Edition card at Cinnabon Armenia cafés and receive a 15% discount on the coffee menu.
The discount cannot be combined with other special offers or discounts.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
9. Visa and Segafredo Armenia
Pay with your Visa Signature Limited Edition card at Segafredo Armenia cafés and receive a 15% discount on the coffee menu.
The discount does not apply at the Segafredo Armenia café operating at Zvartnots Airport.
The discount cannot be combined with other special offers or discounts.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
10. Visa and Sirun Ankyun
Pay with your Visa Signature Limited Edition card at Sirun Ankyun stores and receive a voucher for your next purchase. The voucher amount depends on the amount of the purchase:
For a purchase of AMD 50,000, a voucher worth AMD 5,000 is provided.
For a purchase of AMD 70,000, a voucher worth AMD 7,000 is provided.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
11. Visa and Dilijazz
Make bookings at Dilijazz Hotel with your Visa Signature Limited Edition card and enjoy the following benefits:
Early check-in, where available, up to 4 hours before the standard check-in time,
Late check-out, where available, up to 4 hours after the standard check-out time,
Complimentary room upgrade, where available.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
12. Visa and Booking.com
Make bookings on Booking.com with your Acba bank Visa Signature Limited Edition card and receive up to 7% cashback, which will be credited to your Booking Wallet Credit account after the stay.
Bookings must be made through the following link.
Terms:
The booking and payment must be made by May 31, 2026, inclusive, and the trip must take place by June 30, 2026, inclusive.
The offer is not available for all hotels and is not valid for canceled or no-show bookings.
The offer does not apply to bookings made directly through the Booking.com app or website, and customers who select the “Pay at the property” option cannot use the offer.
Cashback will be credited to the Wallet Credit account 64 days after the end of the stay.
The offer is valid through June 16, 2026, inclusive.
You can find the details of the offer here.
13. Visa and Courtyard by Marriott Yerevan
Enjoy exclusive discounts at Courtyard by Marriott Yerevan with your Visa Signature Limited Edition premium card.
15% discount at the Gia restaurant and Go & Sip Cocktail Bar.
The discount does not apply to business lunch offers.
10% discount on SPA services.
The discount applies to all types of massages and the purchase of Elemis products available at the SPA.
General terms:
Discounts cannot be combined with other promotions or discounts,
If several offers are available at the same time, the highest discount will apply.
The offer is valid through September 30, 2026, inclusive.
You can find the details of the offer here.
14. Visa and Paul
Pay with your Visa Signature Limited Edition card at Paul cafés and receive a 10% discount.
The discount cannot be combined with other special offers or discounts.
The offer is not valid at the Zvartnots Airport branch.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
15. Visa and Sneak Beat
Pay with your Visa Signature Limited Edition card at Sneak Beat stores and receive a 10% discount.
The discount cannot be combined with other special offers or discounts.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
16. Visa and MATCH Multibrand
Pay with your Visa Signature Limited Edition card at MATCH Multibrand stores and receive a 10% discount.
The discount cannot be combined with other special offers or discounts.
The offer is valid through August 31, 2026, inclusive.
You can find the details of the offer here.
17. Visa and BOGGI Milano
Pay with your Visa Signature Limited Edition card at BOGGI Milano stores and receive a 5% discount.
The discount cannot be combined with other special offers or discounts.
The offer is valid through August 31, 2026, inclusive.
You can find the details of the offer here.
18. Visa and AYO Pilates
Use AYO Pilates services with your Visa Signature Limited Edition card and receive a 10% discount.
Offer terms:
10% discount on the first purchase of any package or service
One guest may attend group classes free of charge
The discount cannot be combined with other special offers or discounts.
The offer is valid through December 31, 2026, inclusive.
You can find the details of the offer here.
You can find the latest updates and detailed information regarding the above offers and discounts here.
Service fee - AMD 60,000 per year
Currency - AMD, USD, EUR
Credit line available - up to AMD 18,000,000 equivalent
Annual nominal interest rate on the credit line¹ - cards in AMD: 18%
Annual effective interest rate on the credit line - AMD: 13.7%
Cash withdrawal fee from the Bank's ATMs and POS terminals - 1%
¹ Unless otherwise specified by the Bank within the framework of salary servicing programs.
See all tariffs for the issuance and servicing of the Visa Signature Limited Edition card for more details.
See the Terms and Conditions for the Issuance and Servicing of Payment Cards.
Option I | Option II |
Complete the card online application | Visit any Bank branch |
How long does it take to receive the card?
After completing the application for the Card and card account at any Bank branch, the Card will be provided to you within a maximum of seven business days, and the Card will be activated within a maximum of one business day from the date of Card issuance.
If the application for the Card and card account is completed online, the Card will be ordered following mutual agreement between the Bank and you.
What is required to order the card?
After applying for the Card through any of the above-mentioned methods, you need to visit the Bank branch 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); it is recommended to destroy the receipt containing the PIN code (if applicable), take all possible measures to prevent the Card details and/or PIN code from being accessed by other persons or recording devices, do not write the PIN code on the Card, phone or computer, do not keep it together with the Card or in any other place accessible to third parties, and do not provide the Card or PIN code to other persons,
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 deception or abuse of trust and deliberate actions aimed at obtaining personal or property-related benefit.
¹ Recorded in the identification card of an RA citizen, identity documents of a stateless person permanently residing in the Republic of Armenia and a refugee, as well as in the social security card previously issued, and in a certificate issued by the state registry authority or an original certificate issued by the state registry authority confirming that a Social Services Number has not been obtained.
For more information about card delivery, please see here.
Your Financial Information
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 according to the option 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 cardholder's telephone number registered with the Bank for receiving SMS messages. The code 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 Bank decides whether to reissue the Card based on the volume of transactions made with the Card, payment of the Card servicing fee and funds available in the account, and, for cards with a credit line, the number of overdue days as well.
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 Card transactions 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.
If the cardholder submits an application to terminate the Card's validity but does not return the Card to the Bank, the cardholder bears full financial responsibility for transactions made with the Card after termination of its validity and until the expiration of the Card's validity period, where such transactions do not require authentication (verification of authorization to perform the transaction).
A Card is retained by an ATM if
the customer does not take their Card from the ATM after a cash withdrawal/balance inquiry transaction,
the ATM experiences a communication failure or another technical malfunction.
If the Card is retained, you should visit the nearest Bank branch or call (+374 10) 31 88 99 or (+374 10) 31 88 88.
If a Bank card is retained, the customer may visit the Bank within 3 business days with an identity document, and the card will be returned by the branch that retained the card, unless the customer requests to receive the card at another branch.
If a card issued by another Armenian bank is retained, the card will be returned to the customer upon visiting the Bank within 3 business days with an identity document. If the cardholder does not appear, the card will be transferred to the issuing bank in accordance with the Bank's applicable procedure.
If a card issued by a foreign bank is retained, the card will be returned to the cardholder upon visiting the Bank within 1 business day with an identity document. If the cardholder does not appear, the card will be transferred to the issuing bank in accordance with the Bank's applicable procedure.
The Card may be unblocked only if the Cardholder confirms verbally or in writing that they carried out the relevant transactions.
The Bank may unilaterally block the Card if there are overdue obligations under a loan provided with the Card or under 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, statements and other information that are mandatory to be provided under the legislation of the Republic of Armenia are provided free of charge. A statement that is not mandatory to be provided under the legislation of the Republic of Armenia, a duplicate statement, or a statement submitted to foreign embassies and visa centers is provided at the following fees:
for a period of up to 6 months (inclusive) - free of charge,
for a period of more than 6 months up to 12 months (inclusive) - AMD 2,000 (including VAT),
for a period of more than 1 year - AMD 3,000 (including VAT).
Certificate issuance fees:
within the business day following submission of the application for the certificate at a Bank branch - AMD 3,000; if applying through the acba digital system - AMD 2,000 (including VAT),
within 1 hour on the same business day - AMD 5,000; if applying through the acba digital system - AMD 4,000 (including VAT),
through the delivery service - AMD 4,000 (including VAT),
issuance of a duplicate certificate 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 of the dispute application.
If the transaction disputed by the Cardholder is a cash withdrawal transaction, it is subject to approval by the Bank only if the bank servicing the relevant ATM or cash dispensing point acknowledges that the cash was not dispensed.
If the transaction disputed by the Cardholder is a payment transaction, an online payment transaction, or a payment transaction made by presenting the Card details, it is subject to approval 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 and 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 decides in favor of the other party, shall be reimbursed by the Cardholder.
The Bank is not liable for:
a) delayed, incorrect or unexecuted transactions resulting from the fault of merchants and service providers or the Payment System, or from 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 this did not result from the Bank's failure to fulfill its obligations under the Agreement,
d) transactions carried out using the PIN code with a microprocessor (chip) card, if this did not result from the Bank's failure to fulfill its obligations under the Agreement,
e) transactions carried out via the Internet, if this did not result from the Bank's failure to fulfill its obligations under the Agreement,
f) transactions carried out in violation of the security rules stipulated in the Agreement,
g) disputes arising between the Cardholder and merchants and service providers,
h) the disclosure of information about 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.
If the Cardholder fails to fulfill or improperly fulfills their obligations, information about 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.
At the Cardholder's request, in cases of termination of the Card's validity, loss or damage of the Card, forgetting the PIN code or other cases, the Cardholder's own funds available in the account are paid out from the Bank's cash desk or transferred to another bank account in accordance with the tariffs applicable at the Bank.
In case of loss or theft of the Card or Card details, or an attempted or confirmed 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 or 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 the transaction), for which the cardholder bears full financial responsibility until the expiration of the Card's validity period if the Card is not returned to the Bank when notifying the Bank of the theft of the Card details or an attempted/confirmed fraudulent transaction.
For more detailed information about the rules for using the Card 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 RISK OF LOSING PAPER DOCUMENTATION AND ENSURES CONFIDENTIALITY.
