If you work for an International Organization, receiving your salary through Acba bank gives you not only high-quality service but also a whole package of benefits.
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 be served 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 with no hidden fees.
By receiving your salary through Acba bank, you can:
acquire 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 requiring a cooperation agreement between the Bank and your employer,
obtain financing under preferential creditworthiness assessment terms,
benefit from the wide network of branches and ATMs and be served at a location convenient for you.
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.
If you receive your salary through the Bank, you can obtain a credit line:
In the amount of eight times your salary
Annual interest rate (AMD) - starting from 16%
Annual effective interest rate - 11.19-12.47%
If you do not receive your salary through the Bank, the annual interest rate (AMD) - 19.5-21%
* Preferential terms apply to executives.
Consumer Loans
If you receive your salary through the Bank, you can obtain a Consumer Loan:
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 service fee
If you do not receive your salary through the Bank:
Annual interest rate (AMD): 20.1-21.6%
Annual effective 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 executives.
The above-mentioned tariffs for cards, loans and credit lines apply when receiving salary through the Bank.
To obtain cards, loans and credit lines:
complete an online application, or
visit a Bank branch convenient for you.
When visiting a branch, you need to present:
Identity document,
Social Services Number,
Other documents, if necessary.
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.
