Standard | ardshinbank

Standard

Term

AMD

USD

EUR

RUB

up to 10'000'000 

10'000'001-50'000'000 

up to 10'000 

10'001-100'000 

up to10'000 

10'001-100'000 

up to 1'000'000 

1'000'001-6'000'000 

31-90 days

6.75%

6.5%

1.25%

1%

0.1%

5%

4.7%

91-180 days

7.75%

7.5%

2%

1.75%

0.5%

0.3%

6%

5.7%

181-365 days

9.25%

9%

3.75%

3.5%

1.6%

1.4%

7%

6.8%

366-549 days

10%

9.75%

4.75%

4.5%

2.25%

2.1%

8%

7.8%

550-730 days            

10.25%

10%

5%

4.75%

2.75%

2.6%

7%

6.8%

 

Term

AMD

USD

EUR

RUB

up to10'000'000 

10'000'001-50'000'000 

up to 10'000 

10'001-100'000 

up to 10'000 

10'001-100'000 

up to 1'000'000 

1'000'001-6'000'000 

91-180 days

7.5%

7.3%

1.8%

1.6%

0.4%

0.2%

5.8%

5.5%

181-365 days

8.9%

8.7%

3.6%

3.4%

1.5%

1.3%

6.7%

6.5%

366-549 days

9.6%

9.4%

4.7%

4.4%

2.1%

1.9%

7.7%

7.5%

550-730 days

9.9%

9.6%

4.9%

4.7%

2.6%

2.4%

6.7%

6.5%

 

Term

AMD

USD

EUR

RUB

up to 10'000'000 

10'000'001-50'000'000 

up to 10'000 

10'001-100'000 

up to 10'000 

10'001-100'000 

up to 1'000'000 

1'000'001-6'000'000 

31-90 days

6.5%

6.2%

1.1%

0.9%

0.1%

4.8%

4.5%

91-180 days

7.5%

7.2%

1.7%

1.5%

0.3%

0.1%

5.6%

5.4%

181-365 days

8.8%

8.5%

3.5%

3.2%

1.4%

1.2%

6.6%

6.4%

366-549 days

9.5%

9.3%

4.4%

4.3%

2%

1.8%

7.5%

7.3%

550-730 days

9.8%

9.6%

4.7%

4.5%

2.5%

2.3%

6.6%

6.4%

 

Term

AMD

USD

EUR

RUB

up to 10'000'000* 

10'000'001-50'000'000* 

up to 10'000* 

10'001-100'000*

up to 10'000* 

10'001-100'000 *

up to 1'000'000 *

1'000'001-6'000'000* 

31–90 days**

6.3%

6%

0.8%

0.6%

0.1%

2.8%

2.5%

91-180 days**

7.3%

7%

1.4%

1.2%

0.2%

0.1%

3.6%

3.4%

181-365 days**

8.6%

8.3%

3.2%

2.9%

1.2%

1%

4.6%

4.4%

 

  • 1. The annual interest rate and T&C are determined by the additional agreement if time deposits are made for over 730 days and/or 100 million AMD, 200 thousand USD, 200 thousand EUR and 6 million RF Rubles.
    2. In case of early recall of the time deposit amount or its part the Bank calculates and pays 0,1 percent annual interest rate same as for demand deposit (0.1%).

  • The Bank calculates and credits the interest amount on the deposit starting from the next day of deposit entrance till the day before withdrawing the deposit.
    Interest earned from the deposit amount is paid to the depositor separately from the deposit in terms defined in the agreement of bank deposit, and if the depositor does not require to pay interest in the terms defined in the agreement of bank deposit, it will not be added to the deposit amount, but will be credited to the depositor's demand account and paid on first demand.
    In case of cash payment of deposit, which was transferred to the deposit account in cash, and interest accrued thereon, no fees are applied.

    Attention!

    Interest on the balance of your account is accrued based on the nominal interest rate. And the annual percentage yield shows how much income you will get if you re-deposit interest earned on your deposit as a deposit.

  • Interest Rates of deposits attracted from non-residents from abroad are fixed by arrangement. 
     

    In case the Depositor does not request back the deposit after the maturity period specified in the Agreement, the Agreement is considered to be extended under terms and conditions of demand deposit, if nothing else is specified in the Agreement.

    In case the Depositor requests back the deposit before the maturity period, the Bank calculates and pays interests at the terms and conditions determined for demand deposit by recalculating the interests.

    Third person can put money on the depositor's account after verifying the necessary data of the deposit account, if nothing else is provided by the agreement.

    In case the Depositor requests back a part of the deposit before the maturity period, the Bank calculates and pays interests for the returnable part at the terms and conditions determined for demand deposit by recalculating the interests for the returnable part.

    The Bank has not right of solely reducing the interest rate defined by the agreement of the bank deposit that a citizen put for receiving back after some period, if nothing else is provided by the law.

    As a tax agent the Bank while paying the interest generated on the Deposit levies the income tax (10%) and transfers it to the state budget in accordance with the RA law on "Incomes".

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