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, Amex Cashback cards free of charge, or Visa Gold, Mastercard Gold and cards in other currencies on 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 cards 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 a cooperation agreement between the Bank and your employer,
obtain financing 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 you receive your salary through the bank | If you do not receive your salary 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 you receive your salary through the bank | If you do not receive your 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** 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.
Use your Visa Barerar card and become a benefactor. The Visa Barerar payment card is a joint initiative of Acba bank and the Hayastan All-Armenian Fund, within the framework of which the accumulated funds of the Charitable Fund are intended to be used to meet the needs of children in orphanages.
If you receive your salary through the Bank, a credit line is provided:
Eight times your salary
Annual interest rate (AMD) - starting from 15.5%
Actual interest rate - 11.19-12.16%
If you do not receive your salary through the Bank, the annual interest rate (AMD) is - 19.5-21%
*Preferential terms apply to managers.
Consumer Loans
If you receive your salary through the Bank, a consumer loan is provided:
Up to AMD 10,000,000
Up to 60 months
Annual interest rate:* 1 percentage point lower than the rate offered by the Bank
Loans are provided without a commission
If you do not receive your salary through the Bank:
Annual interest rate (AMD): 20.1-21.6%
Actual interest rate: 22.04-23.85%
Mortgage Loans
Preferential terms apply to mortgage loans for the purchase and renovation of real estate if you receive your salary through the Bank.
*Preferential terms apply to managers.
The stated tariffs for cards, loans and credit lines apply if you receive your salary through the Bank:
To obtain cards, loans and credit lines:
complete an online application or
visit the Bank's branch 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 THE MANNER OF YOUR CHOICE: BY POST OR ELECTRONICALLY. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT OPTION. IT IS AVAILABLE 24/7, FREE FROM THE RISKS OF LOSING PAPER DOCUMENTATION AND ENSURES CONFIDENTIALITY.
