Holding a current account with ACBA-CREDIT AGRICOLE BANK CJSC, you will have the opportunity to manage your funds efficiently and securely, as well as send and receive profitable transfers on the territory of Armenia and worldwide.
Unistream is a money transfer system for individual non-commercial money transfers that allows customers to send and receive funds without opening bank accounts. The system is especially popular in CIS and European countries.
Specify the country, city, and first and last names of the recipient
Present a personal identification document and the transfer code (3-20 alphanumeric characters), specify the amount and currency of the transfer
Transfers are accepted and paid in AMD, RUB, USD, and EUR.
The recipient receives the full amount of the transfer, free and clear of fees and other expenses,
The transfer fee varies based on the destination of the transfer: to Russia and Ukraine - 1%, to other countries – from 1.5%,
The transfer commission fee for the transfer from the RA shall be paid by the customer in the RA drams.
It is possible to make transfers in the territory of Armenia in AMD, RF Rubles, US dollars and Euros; the transfer tariff comprises 0.6% of the transfer sum.
For the directions to Europe, Asia, Pacific region and other countries in the world there are tariffs defined by the system according to the countries.
Transfer amounts can be claimed 5-10 minutes after the transfer.
Transfer amounts can be claimed by the recipient no later than 180 days after the transfer. Upon the expiration of this period, the transfer amount can only be returned to the sender up to three years after the transfer. Upon the expiration of this three-year period, the funds are automatically considered the ownership of the system,
There is a maximum limit for one transfer, which should not exceed 20 000 USD, 15 000 EUR and 900 000 RUR and AMD equivalent in Russian rubles, calculated at the average exchange rate formed by the currency market published by UNISTREAM.
Under the terms of the system, the same person is allowed to transfer or receive a maximum of 2 million RUB or equivalent foreign currency within 1 calendar days. Monthly and quarterly remittances are also available.
In case of transferring an amount exceeding the above limit, the system will require,
A document representing the source of the money;
A document by which the customer will present the purpose of transferring the money;
and in case of receiving,
A document by which the client will explain the purpose of receiving the money
CIS countries, Europe, Asia, Pacific region and other countries.
The transfer beneficiary can receive the sum from any service center in a concrete country, if there has been an unaddressed transfer,
In case of an addressed transfer the beneficiary receives the sum from the service center noted by the transferring person.
Limitation of transferred sum to Indonesia, Turkey, Egypt, Morocco, Pakistan- the maximum amount of one transfer-7000 USD or relevant Euro, Rubles օռ AMD.
There is a payments and transfers ban towards the following countries- Iraq, Syria, Lebanon, Afghanistan, Somali, Yemen, Libya
Corrections and cancellations
Changes in transfer details and cancellations of transfers are free of charge, by written request of the sender,
Transfers are not subject to cancellation if the transfer amount has been claimed by the recipient, and the recipient refuses to return the funds,
In case of cancellation of transfer, the sender receives the full amount of the transfer without applicable fees,
The Bank assumes no responsibility for the return of transfer amounts if they have been claimed by and paid to the recipient,
Corrections of errors in transfer details and cancellations of transfers are performed at the discretion of the transferring and receiving banks and within time limits set thereby,
Please consult www.unistream.ru for service locations, tariffs and other terms and conditions,
The Bank performs the acceptance of the transferrable amount, as well as payment of the received amount to the customer in the currency of transfer, as well as, if required, in other currency with conversion,
The Bank bears no responsibility for the consequences, resulting from the provision of the transfer code or scan of the document by the customer to the third parties.
The Bank is required to provide written proof of transfer, which must contain the amount and currency of the transfer, fees and other details.