* Please be informed that on transactions made through ATMs, terminals or other online platforms of Armenian Card system member banks, the Acquiring Bank commission fee may also be applied, in the amount determined by the respective bank. Please also note that in AraratBank customer service centers (including the online platform), in addition to fees applied on other banks’ cards by the issuing bank, а 0.5% commission fee of the Acquiring Bank shall also be applied, charged at the time of transaction and summed up with the transaction amount.

** Not applied for amounts credited to bank accounts of natural persons (except for private entrepreneurs) from interests accrued over the loan funds disbursed by AraratBank, term deposits and AraratBank bonds, whereas a 3% fee shall be applied on cash disbursed (regardless of currency) at AraratBank’s cash desk via POS terminal by means of payment cards issued by other banks.

*** The rate applies only in case of ordering a greeting card within one banking day.

**** In case of cash disbursement from AraratBank’s cash desk via POS terminal, in addition to the charged commission, a 0.2% cash withdrawal commission shall be also applied, incurred on the day of recording of the transaction.

*****ArCa Classic card service fee shall be charged in a single lump sum for each biennium

******In cases when a plastic payment card linked to the payment card of a foreign natural person is issued to a domestic natural person, fees set by the rates for issuing payment plastic cards shall apply, and in cases when a payment card linked to the payment card of a domestic natural person is issued to a foreign natural person, the fees indicated in the table hereunder shall apply.

• Passport
• Social security card

“Your financial directory” is an electronic system which facilitates the search, comparison and selection of the most appropriate for you option among the services offered to individuals.

You have the right to communicate with the financial institution by any convenient means - by post or by e-mail. Receiving information electronically is the most convenient option. It is available 24/7, free from the risks of loss of paper information and ensures privacy.

The bank may request additional documents or other information based on the "Know your customer" principle, as well as ask additional questions during oral communication, for the purpose of due diligence of the customer defined by the RA Law "On Combating Money Laundering and Terrorist Financing". 

In accordance with the agreement signed with the USA based on the Compliance Act (FATCA), the financial organization may collect additional information to determine whether you are a US taxpayer.