Provision and Service of Cards

IMPORTANT INFORMATION

The bank provides clients with debit or credit cards from international payment systems such as «ArCa», «Visa», «Mastercard», and «UnionPay». Card accounts are opened and maintained in Armenian drams, US dollars, euros, and Russian rubles:

1. Funds received via fast transfer systems can also be credited to other card accounts of the client held at the bank:
2. Additional cards can be issued only with the written consent of the primary cardholder:
3. The bank pays interest on the positive balance of the card account:
4. The payment card is issued at the bank's headquarters or branches:
5. The cardholder must present an identification document:
6. The card may be issued with or without a PIN code:
7. Upon receiving the card, its integrity must be checked:

Payment Fees and Charges

The cardholder is obliged to pay the fees established by the bank:

1. The first payment is made when ordering the card:
2. In case of unpaid obligations, the card may be blocked:

Rules for Using the Payment Card

The cardholder must keep the PIN code confidential:

1. It is prohibited to write the PIN code on the card:
2. During the use of the payment card, security rules must be followed: