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.
With a 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, Visa Gold, or Mastercard Gold cards free of charge, as well as cards in other currencies on preferential terms.
The fees for all cards, loans, and credit lines are publicly available and have no hidden charges.
By receiving your salary through Acba bank, you can:
obtain card and loan products on preferential terms, including:
cards of international payment systems,
credit lines,
consumer loans,
mortgage loans;
use the products offered under the salary program without requiring a cooperation agreement between the Bank and your employer;
obtain financing under preferential creditworthiness assessment terms;
receive service at a convenient location thanks to the wide network of branches and ATMs.
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 |
Visa Gold / Mastercard GoldService fee - FreeCash 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 - 1% |
Service fee - Free | |
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 | 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.
By using your Visa Barerar card, become a benefactor. The Visa Barerar payment card is a joint initiative of 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.
If you receive your salary through the Bank, you can receive a credit line:
Up to eight times your salary
Annual interest rate (AMD) - starting from 15.5%
Annual percentage 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.
If you receive your salary through the Bank, you can receive a consumer loan:
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%
Annual percentage rate: 22.04-23.85%
If you receive your salary through the Bank, preferential terms apply to mortgage loans for the purchase and renovation of real estate.
* Preferential terms apply to managers.
The stated fees 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 a branch of the Bank convenient for you.
When visiting a branch, you need to provide:
An identification document,
Social services number,
Other documents, if required.
YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE WAY YOU PREFER, 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 DOCUMENTS, AND ENSURES CONFIDENTIALITY.
