Get your salary through the Bank and take advantage of privileged conditions.
Get credit lines, consumer loans, or mortgage loans at lower interest rates and on favorable terms.
Thanks to the wide network of branches and ATMs, you can receive service at a location convenient for you.
You can join the salary program even if your employer does not have an agreement with the Bank.
Get Visa Barerar, Visa Classic, Mastercard Standard, or Amex Cashback cards free of charge, or Visa Gold, Mastercard Gold, and other cards at preferential terms.
The tariffs for all cards, loans, and credit lines are publicly available and have no hidden fees.
By receiving your salary through Acba bank, you will have the opportunity to:
obtain card and credit products on preferential terms:
cards of international payment systems,
credit lines,
consumer loans,
mortgage loans,
use the products offered under the salary program without the need for a cooperation agreement between the Bank and your employer,
obtain loans under preferential creditworthiness assessment terms,
receive service at a location convenient for you thanks to the wide network of branches and ATMs.
AMD Cards
If salary is received through the Bank | If salary is not received through the Bank |
Service fee - FreeCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 300 per monthCash withdrawal fee* - Free for cards without a credit line |
Service fee - FreeCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 4,500 per yearCash withdrawal fee* - Free for cards without a credit line |
Service fee - FreeCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 3,500 per yearCash withdrawal fee* - Free for cards without a credit line |
Service fee - AMD 5,000, free** for employees receiving a salary of AMD 300,000 or moreCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 12,000Cash withdrawal fee* - Free for cards without a credit line |
Service fee - Free for employees receiving a salary of AMD 500,000 or moreCash withdrawal fee - 2% | Service fee - AMD 10,000Cash withdrawal fee - 2% |
Service fee - Free**, for employees receiving a salary of AMD 1 million or moreCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 15,000Cash withdrawal fee* - Free for cards without a credit line |
Service fee - Free**, for employees receiving a salary of AMD 1 million or moreCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 40,000Cash withdrawal fee* - Free for cards without a credit line |
Service fee - Free | |
USD and EUR Cards
If salary is received through the Bank | If salary is not received 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** for employees receiving a salary of AMD 300,000 or more | Service fee - AMD 12,000 |
Service fee - Free**, for employees receiving a salary of AMD 1 million or more | Service fee - AMD 40,000 |
Service fee - Free**, for employees receiving a salary of AMD 1 million 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 managers.
Become a philanthropist by using your Visa Barerar card. Visa Barerar is a payment card jointly initiated by Acba bank and the Hayastan All-Armenian Fund, under which the accumulated funds of the charitable fund are intended to be used to meet the needs of children in orphanages.
A credit line is provided if salary is received through the Bank:
Eight times the salary
Annual interest rate (AMD) - starting from 15.5%
Effective interest rate - 11.19-12.16%
If salary is not received through the Bank, the annual interest rate (AMD) is 19.5-21%.
*Preferential terms apply to managers.
Consumer Loans
A consumer loan is provided if salary is received through the Bank:
Up to AMD 10,000,000
Up to 60 months
Annual interest rate:* a rate 1 percentage point lower than the rate offered by the Bank
Loans are provided without a commission
If salary is not received through the Bank:
Annual interest rate (AMD): 20.1-21.6%
Effective interest rate: 22.04-23.85%
Mortgage Loans
Preferential terms apply to mortgage loans for the purchase and renovation of real estate if salary is received through the Bank.
*Preferential terms apply to managers.
The stated tariffs for cards, loans, and credit lines apply if salary is received through the Bank.
To obtain cards, loans, and credit lines:
complete an online application or
visit a branch of the Bank convenient for you.
When visiting a branch, you need to present:
An identification document,
Public Services Number,
Other documents, if required.
YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN YOUR PREFERRED MANNER, EITHER BY POST OR ELECTRONICALLY. 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.
