By acquiring the principal and the linked cards, you will be able to make and receive transfers at any time of the day from the Russian Federation by entering cash on your card with cash-in ATMs and receiving it with the linked card; or vice versa. As in this case the two cards have the same bank account, the entity transferring the money just needs to enter cash to his/her card via Bank ATMs cooperating with MIR payment system in Russia, which will be activated on his/her card in few minutes and the recipient will be able to withdraw cash in Armenia with his/her linked card, or vice versa.

Also

• The card is provided with free of charge service for the first year
• The card is chip based, which makes it more secure and safer, diminishing the card fraud and other possible frauds,
• The SMS notification service can be activated upon request.

• Card account service commission 4,500 AMD annually, free of charge for the first year
• Card account currency AMD, USD, EUR (transactions with the card in the Russian Federation can be made exclusively in Russian rubles regardless of card currency.)
• Credit line annual interest rate¹ - 600,000
• AMD currency cards 19․5-21%, USD 17-20%, EUR 16-19%
• Cash disbursement commission from Bank ATMs and POS terminals:
  • up to 1,000,000 AMD - 0%, more than 1,000,000 AMD - 0.5%
  • Foreign currency – 0.5%
• Cash disbursement from other bank ATMs in RA and abroad – 1%
• Linked card service commission (issued for the term of principal card)
  • the first two cards – free of charge
  • the 3rd and 4th cards – 2,000 AMD one-time payment

¹See more ArCa MIR - Terms and Conditions.

How can you apply for the ArCa card?

How long does it take to get a card?

After completing the application for Card and card account at any branch of the Bank, the Card will be provided to you within 7 working days, and the card will be activated within one working day after the Card is issued.

In case of filling out the application for Card and card account online, Card order will be executed upon mutual agreement between the Bank and you.

How can you get the card?

After applying for a Card in each of the above ways, you will need to visit a branch office of your choice by submitting your personal identification document and Social service number.¹

¹ Is fixed in the identification cards of RA citizens, stateless individuals who permanently reside in RA, identification documents of the refugees, in previously issued social security cards, as well as in the notice issued by state register conducting body or a notice on not receiving a social services number issued by the state register conducting body

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