Visa Classic | ardshinbank

Visa Classic

The card is issued for 2 years.
The card account can be opened in AMD, USD, EUR.
The payment card is valid in the territory of the Republic of Armenia and abroad.
The card can be used for all types of payments and cash withdrawals in more than 26 million trade points and 700,000 ATMs around the world.

N

Visa Classic

AMD

USD

EUR

1.     Main commissions

1.1  

Card issuance

free

free

free

1.2  

Service fee*

AMD 500 monthly

AMD 500 monthly

AMD 500 monthly

1.3  

Minimum account balance

AMD 0  

AMD 0 

AMD 0 

1.4  

Service fee of additional card

AMD 300 monthly

AMD 300 monthly

AMD 300 monthly

1.5  

Cash withdrawal 

 

 

 

 

-        from Ardshinbank ATMs 

0.2%

0.2%

0.2%

 

-        from Ardshinbank encashment centers

1%

1%

1%

 

-        from other ATMs and encashment centers within ArCa system

1%

1%

1%

 

-        from other ATMs and encashment centers

1% min AMD 1500 

1% min AMD 1500 

1% min AMD1500

 

-        cash withdrawal from card accounts at Ardshinbank offices without using the card (not applicable when closing the card and card account)

 According to cash transactions terms for individuals

 

-       when closing the payment card and card account

free

free

free

1.6  

Cash deposit into card account***

 

 

 

 

-       up to AMD 100,000 cash deposit (or equivalent foreign currency) at Ardshinbank offices

0.5% min AMD 100 

0.5% min AMD 100 

0.5% min AMD100 

 

-      more than AMD 100,000 cash deposit (or equivalent foreign currency)

free

free

free

 

-      card deposit via non-cash bank transfer 

free

free

free

 

-      cash deposit into card account at cash-in ATMs within ArCa system 

1%

1%

1%

 

-      cash deposit into card account at cash-in ATMs outside ArCa system 

1,5%

1,5%

1,5%

1.7  

Annual interest rate applied to card account balance**

 

 

 

 

-      at the end of the day, the balance is greater than or equal to AMD 1,000,000 or $ 2,000 or € 2,000

3%

2%

1%

 

-     at the end of the day, the balance is smaller than AMD 1,000,000 or $ 2,000 or € 2,000

0%

0%

0%

1.8  

Non-cash payments for goods and services

0%

0%

0%

2.     Lost, re-issuance and closing 

2.1           

Blocking the card in bank's authorization system 

0

0

0

2.2          

Blocking the card in bank's autorization system and keeping it in the Stop-List

AMD 15000 for two weeks

AMD 15000 for two weeks

AMD 15000  for two weeks

2.3          

Card re-issuance upon customer's request

AMD 1000 

AMD 1000  

AMD 1000  

2.4          

Providing cash in case of card loss while abroad

n/a

n/a

n/a

2.5          

Temporary card re-issuance while abroad 

n/a

n/a

n/a

2.6          

Unblocking the card  (blocked as a result of multiple incorrect pin input) in bank's authorization system

AMD 1000 

AMD 1000 

AMD 1000 

2.7          

Closing of payment card and card account

free

free

free

3.   Fees and penalties

3.1          

Overlimit fee

0.30% daily

0.30% daily

0.30% daily

4.    Money transfers

4.1           

Card to card money transfers

0.30%

0.30%

0.30%

4.2          

Card to card money transfers between ArCa system members

0.50%

0.50%

0.50%

4.3          

Money transfers from card account

According to terms and conditions of money transfers (when closing the card or card account intra-bank and interbank money transfers throughout RA  are free)

** The bank's customers are not eligible for the documents and/or information that has expired, as prescribed by the RA legislation.

*** In case of failure of the self-service terminals, tariffs of the bank's cards and accounts are set at AMD 0 (zero).

 

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