Standard | ardshinbank

Standard

Term

AMD

USD

EUR

RUB

up to 100 mln

up to 200’000

up to 200’000  

up to 10 mln

31 - 90 days

7.50%

0.75%

0.25%

3.0%

91- 180 days

8.00%

1.50%

0.75%

4.0%

181- 366 days

9.25%

3.00%

1.5%

5.0%

367- 549 days

9.25%

3.50%

2.25%

6.0%

550- 730 days

9.25%

3.75%

2.50%

5.75%

 

 

Term

AMD

USD

EUR

RUB

up to 100 mln

up to 200’000

up to 200’000  

up to 10 mln

91 - 180 days

7.8%

1.4%

0.6%

3.8%

181- 366 days

9.0%

2.9%

1.4%

4.8%

367- 549 days

9.0%

3.4%

2.1%

5.8%

550- 730 days

9.0%

3.7%

2.4%

5.5%

 

 

Term

AMD

USD

EUR

RUB

up to 100 mln

up to 200’000

up to 200’000

up to 10 mln

31 - 90 days

7.3%

0.6%

0.1%

2.9%

91 - 180 days

7.7%

1.2%

0.5%

3.7%

181- 366 days

8.9%

2.8%

1.3%

4.7%

367- 549 days

8.9%

3.3%

2.0%

5.6%

550- 730 days

8.9%

3.6%

2.3%

5.4%

 

 

Term

AMD

USD

EUR

RUB

up to 100 mln

up to 200’000  

up to 200’000 

up to 10 mln

31 - 90 days*

7.3%

0.4%

0.1%

2.6%

91 - 180 days*

7.7%

0.9%

0.4%

3.5%

181 - 366 days*

8.9%

2.5%

1.1%

4.4%

367- 549 days*

8.9%

-

-

-

550- 730 days*

8.9%

-

-

-

 

 

  • * The annual interest for the replenishments made within last 15 days is 0,1 %.

    1.    There is no fee on withdrawing for non-cash amount invested more than 60 (sixty) calendar days.

    2.   For the deposits, which are invested under different dates and/or amounts than indicated, interest rates and service terms for that deposits are defined by additional written agreement.

    3.   From the accrued interest taxes are deducted according to the law.

    In case of early recall of the time deposit amount or its part the Bank calculates and pays percents according to the annual interest rate applicable on daily bank account balance.

  • Interest on the amount of the deposit (the replenished part) shall be accrued from the day following the day of receipt of funds to the deposit account until the day prior to its return to the Depositor or debiting from the Client's account for other reasons, and interest on the amount of the deposit (the replenished part) placed from May 1, 2020, shall be accrued from the date of receipt of funds (the replenished part) to the deposit account until the last calendar day preceding its return to the Depositor or debiting from the Client's account for other reasons.

    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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