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TRANSFERS

INTERNATIONAL CARD-TO-CARD TRANSFERS

Make fast and secure card-to-card transfers to countries worldwide through the Visa Direct and Mastercard MoneySend systems, in just 5 minutes, safely and without leaving your home.

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The world at your fingertips.

You can make international transfers using Visa Direct and Mastercard MoneySend systems.

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Transfers by Phone Number

You can make transfers not only to a card number, but also to the recipient’s phone number.

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Transfers in Different Currencies

Transfers are available in AMD, USD, and EUR.

Terms

From now on, you can make international card-to-card transfers from any of your AMD, USD, or EUR cards and current accounts to Visa and Mastercard cards issued by foreign banks, using the Visa Direct and Mastercard MoneySend systems.

 Transfers cannot be made to cards issued by countries restricted by Visa International or Mastercard payment systems, as well as countries limited by the Bank’s internal policy. You can find the full list of countries here.

Transfers are processed quite quickly and are available 24/7. You can make transfers either by using the card number or the recipient’s phone number.

To make a transfer with a card number, you need to log in to acba digital Internet Banking, select the "Transfer" section, then the "Card to Card Transfer" subsection, then "Visa Transfers" or "Mastercard MoneySend" and perform the following steps:

  • Select the account from which the funds will be debited (AMD, USD, or EUR),

  • Enter the recipient cardholder’s card number and full name,

  • Enter the transfer amount and currency,

  • Check the box confirming “I agree to the terms”,

  • Click “Transfer.”

Transfer service with a phone number

From all of your AMD, USD, and EUR cards and current accounts held at the Bank, you can make transfers to Visa and Mastercard cardholders. Additionally, holders of the Bank’s Visa and Mastercard cards can also receive transfers via their phone number.

To make a transfer using a phone number, log in to the acba digital Internet Banking system, go to the “Transfer” section, then the “To Card” subsection, and select “To International Cards.” Then follow these steps:

  • Select “By Phone Number,” enter the recipient cardholder’s phone number, and click “Search.”

  • Confirm the details of the identified cardholder,

  • Select the account from which the funds will be debited (AMD, USD, or EUR),

  • Enter the transfer amount,

  • Click “Transfer”

Active Tariffs

TermVisa DirectMastercard MoneySend

Bank card-to-card transfers fee

In AMD - 2%, minimum AMD 1,000 In AMD - 2%, minimum AMD 1,000
In USD - 2%, minimum USD 2 In USD - 2%, minimum USD 2
In EUR - 2%, minimum EUR 2In EUR - 2%, minimum EUR 2

Maximum limit for one transaction

AMD 500,000AMD 500,000
USD 1000USD 1000
EUR 900EUR 900
Maximum number of transactions per customer per day for all products of the given payment system1010


Maximum daily amount of transactions per customer for all products of the given payment system

AMD 1 500 000 AMD 1 500 000 
USD 3 000USD 3 000 ԱՄՆ 
EUR 2 700 EUR 2700 

Last Update՝ 10.04.2026