Get your salary through the Bank and take advantage of privileged conditions.
Get credit lines, consumer loans, or mortgages with lower interest rates and favorable conditions.
Acba offers additional privileges for individuals holding executive positions.
You can join the payroll program even if your employer does not have an agreement with the bank.
Get free Visa Barerar, Visa Classic, Mastercard Standard, and Amex Cashback cards, or premium options like Visa Gold and Mastercard Gold under preferential terms.
Zero withdrawal fees for AMD cards.
Receive your salary not only in AMD, but also in USD or EUR.
Rates for all cards, loans, and credit lines are public with no hidden fees.
By receiving the salary through Acba bank, you will have the opportunity to:
AMD-denominated cards
| When receiving salary through the Bank | When not receiving salary through the Bank |
Service fee - Free of charge Cash withdrawal fee* - Free of charge for cards without a credit line | Service fee - AMD 300 per month Cash withdrawal fee* - Free of charge for cards without a credit line |
Service fee - Free of charge Cash withdrawal fee* - Free of charge for cards without a credit line | Service fee - AMD 4,500 per year Cash withdrawal fee* - Free of charge for cards without a credit line |
Service fee - Free of charge Cash withdrawal fee* - Free of charge for cards without a credit line | Service fee - AMD 3,500 per year Cash withdrawal fee* - Free of charge for cards without a credit line |
Service fee - AMD 5,000, free of charge** for employees receiving a salary of AMD 300,000 or more Cash withdrawal fee* - Free of charge for cards without a credit line | Service fee - AMD 12,000 Cash withdrawal fee* - Free of charge for cards without a credit line |
Service fee - Free of charge for employees receiving a salary of AMD 500,000 or more Cash withdrawal fee - 2% | Service fee - AMD 10,000 Cash withdrawal fee - 2% |
Service fee - Free of charge**, for employees receiving a salary of AMD 1,000,000 or more Cash withdrawal fee* - Free of charge for cards without a credit line | Service fee - AMD 15,000 Cash withdrawal fee* - Free of charge for cards without a credit line |
Service fee - Free of charge**, for employees receiving a salary of AMD 1,000,000 or more Cash withdrawal fee* - Free of charge for cards without a credit line | Service fee - AMD 40,000 Cash withdrawal fee* - Free of charge for cards without a credit line |
Service fee - Free of charge | |
USD- and EUR-denominated cards
| When receiving salary through the Bank | When receiving salary through the Bank |
Service fee - AMD 2,000 per year | Service fee - AMD 300 per month |
Service fee - AMD 2,000 per year | Service fee - AMD 4,500 per year |
Service fee - AMD 2,000 per year | Service fee - AMD 3,500 per year |
Service fee - AMD 5,000, free of charge** for employees receiving a salary of AMD 300,000 or more | Service fee - AMD 12,000 |
| Visa Signature Service fee - Free of charge**, for employees receiving a salary of AMD 1,000,000 or more | Service fee - AMD 40,000 |
Service fee - Free of charge**, for employees receiving a salary of AMD 1,000,000 or more | Service fee - AMD 15,000 |
* 2% for cards with a credit line
** Only one primary card in any currency
Preferential terms apply to executives.
In case of receiving the salary through the Bank, a credit line is provided:
actual interest rate՝ from16.67%
if you do not get salary through the Bank annual interest rate (AMD) - from 19.5%
*Privileged conditions for heads.
Consumer Loans
In case of receiving the salary through the Bank, a consumer loans are provided:
If the salary is not received through the Bank:
Mortgage loans
In the case of receiving the salary through the Bank, preferential conditions apply in the case of mortgage loans for the purchase and repair of real estate.
*Privileged conditions for heads.
Detailed information on consumer loans
The mentioned tariffs for the cards, loans and credit lines are valid if the salary is received through the Bank.
For receiving cards, loans and credit lines,
When approaching the branch office it is necessary to submit:
