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Special Offers 
Easier than cash!
Cardholders can receive 2% cashback on non-cash purchases made with their Arca card within the territory of the Republic of Armenia.
Starting January 1, 2026, Byblos Bank Armenia Arca cardholders will be eligible to receive cashback on a monthly basis.
- Cashback is applied to transactions exceeding AMD 1,000
- Maximum cashback per transaction: AMD 6,000
- Maximum cashback per month: AMD 60,000
Cashback is calculated based on the total amount of eligible payments made by the same cardholder, including transactions performed with Arca cards issued by different banks.
Cashback for a given month will be credited by the 25th of the following month to the account with the bank through which the last cashback-eligible transaction was made during the reporting month.
The Byblos Bank Armenia Arca Gold Card can be ordered online, via the Byblos Mobile app, or at any Byblos Bank Armenia branch.
Compatriots forcibly displaced from Artsakh can visit any of Byblos Bank Armenia branches and get a free ArCa Gold card on preferential terms:
- No annual service fee
- 0% commission when withdrawing money from the Bank's ATMs
- Free Online Banking
The card is provided to you in 3 working days.
You can use your Byblos Bank Armenia debit Card via ATMs, POS terminals and internet throughout the RoA.
You can use your card 24 hours a day, 7 days a week.
In the event of card loss or suspicion of fraud, cardholders must immediately block the card:
- Via the Online Banking service / Byblos Mobile app
- Via the USSD service
- By visiting one of the branches of the Bank (on weekdays from 9։30 am to 5 pm)
- By calling the Bank at +374 60 61 61 00 (24/7)
The Bank will not bear responsibility for transactions made with your card prior to notifying the Bank or the processing center.
The USSD service enables cardholders to use their phone in order to perform the following transactions:
- Check the card balance
- Obtain a statement for the last 4-5 transactions
- Block the card
To activate the service, cardholders need to fill in an application at the Bank and provide their phone number. To then use the service, they need to dial *116# and follow instructions.
The service is free for Byblos Bank Armenia cards.
A total of up to 5 payment cards can be attached to a phone number, and transactions mentioned above will be available for each of them.
There are two convenient options for blocking a card, which are both free and available 24/7. You can see a detailed card blocking guide here.
ATMs:
- 6 Abovyan, Yerevan (cash in/out)
- 18/3 King Pap, Yerevan (cash in/out)
- 38/2 Komitas, Yerevan (cash in/out)
- 84/1 Baghramyan, Yerevan (cash in/out)
POS-Terminals:
- 84/1 Baghramyan, Yerevan
- 6 Abovyan, Yerevan
- 18/3 King Pap, Yerevan
- 38/2 Komitas, Yerevan
| Title | Tariff* |
|---|---|
|
Issuance of the card
|
free
|
|
Service fee (anual)
|
4,000
|
|
for Supplementary card (anual)
|
4,000
|
|
Provision of account statement
|
|
|
each month
|
free
|
|
provision of additional statement (VAT included)
|
500
|
|
New PIN issuance, card replace and reissue (in case of name change, card lost or demage)
|
1,000
|
|
PIN code reset through ATM
|
500
|
|
Encashment
|
|
|
"BBAM" ATMs and encashments outlets (POS)
|
0.3%
|
|
Other Armenian Banks ATM**
|
1%
|
|
Cash deposits through BBAM ATMs
|
0%
|
|
Cash deposits through ATM-s within ARCA system
|
0.62%
|
|
Overdraft facility
|
available
|
|
Late payment fee on overdraft
|
24%
|
|
Card-to-card transfers fee
|
0.5%
|
|
Blocking of card
|
free
|
|
Release of blocked card through Online Banking
|
free
|
|
Release of blocked card at the branchеs
|
1,000
|
|
Wrong dispute of transaction***
|
15,000
|
|
1 SMS report
|
20
|
|
Push notification about card transactions
|
free
|
|
3D Secure/USSD SMS report
|
free
|
|
Number of daily encashment transactions
|
7
|
|
Total maximum amount of encashment transactions per day
|
500,000
|
|
Number of daily transactions per day
|
20
|
|
Total maximum amount of all transactions per day
|
750,000
|
|
Interest on positive balance****
|
0-7%
|
*Tariffs are presented in AMD.
**When withdrawing money from Ameriabank ATMs, an additional commission fee, set by Ameriabank, is charged.
***Chargeback complaints must be provided within at least 15 calendar days from the date of receipt of the statement. The Bank is also obliged to accept the Cardholder՚s chargeback requests if transactions, which are not authorized by the Cardholder, are appealed within 55 calendar days from the receipt of the statement by the Cardholder, and the Cardholder submits documents confirming the impossibility of submitting chargeback requests within 15 calendar days upon receipt of statement.
****The interest rate accrued on the positive balance of the account may be set by the Bank at more than 0% per annum, based on the actual or expected turnover of the client's account or the volume and nature of cooperation with the client.
Note 1: In case of termination of the Card before the expiry date, the charged service fee will not be refunded․ A penalty of AMD 3,000 for early closure will apply to current cards with a monthly service fee.
Note 2: For cash withdrawals of AMD 20 million and USD/EUR 30,000 or more, customers need to notify the Bank at least 2 business days in advance. If prior notice is not provided, the Bank reserves the right not to execute the transaction.
ATTENTION: Beginning from 1 January 2024, ArCa plastic cards with magnetic stripe will no longer be issued. ArCa Classic cards issued earlier will be serviced with ArCa Gold card tariffs.
- Valid passport or identification card
- Public service number (if available)*
* Applicable only to the RA citizens or foreign citizens having residency status and actually residing in Armenia.
- Overdraft currency: AMD
- Overdraft tenor: from 1 to 12 years
- The Overdraft is provided in the amount of five times the transferred net salary; minimum amount – AMD 400,000, maximum amount – AMD 5,000,000․
- Overdraft arrangement: free of charge
Interest rate: fixed 17%* p.a. (15․5%** in the event of transferring the salary to Byblos Bank Armenia)
Annual percentage rate:18.55% - 24% (16.72% - 17.79% in the event of transferring the salary to Byblos Bank Armenia)
- Overdraft is only processed through Byblos Bank Armenia branches.
- Overdraft is disbursed by non-cash transfer into clients’ card account.
- Overdraft provision is executed within a maximum period of 3 working days from the date of signing the loan contracts by the client at the branch if mandatory documents are provided.
- The repayment of the overdraft facility shall be done with the periodicity of a month; the interest accrued at the date of repayment shall be repaid first then the principal. In case there are penalties, those will be paid first.
- The main factors affecting the decision to approve or reject the loan are as follows:
a- credit history
b- valid justification for the loan purpose
c- accuracy of the information, provided by the borrower
d- solvency of the client (financial position)
e-creditworthiness of the client (personal qualities, absence of any legal impediment).
- Byblos Bank Armenia will provide a decision to the overdraft application within 7 working days.
*In case of deviation from the main terms of the loan (tenor, amount, LTV, etc.), the nominal interest rate may be increased by 0.25%.
**If the loan is not approved through the automatic scoring process, the nominal interest rate will be increased by 0.25%.
In case of payment delay, the Bank
will update the Borrower’s profile in the Central Bank of Armenia Credit
Register and Credit Bureaus, which can lead to a negative impact on the
Borrower’s credit history and cause difficulties in the loan obtaining process
in the future.
According to the law of the RA “On Combating against Money Laundering and
Terrorism Financing” the Bank for proper investigation of clients' profile can
obtain additional documents or other information as per Know your
customer-principals, also during verbal communication ask additional questions
from the client (in case of need).
According to an agreement with the United States of America regarding the
Foreign Account Tax Compliance Act (FATCA) - the Bank may request or gather
additional information in order to identify Borrower’s status as a USA
taxpayer.
In accordance with the requirements of the Common
Reporting Standard (CRS) established by the Organization for Economic
Cooperation and Development (OECD), the Bank may collect additional
information to determine whether you are a tax resident of any foreign
country or territory.
Information about loans or cards are also presented on www.fininfo.am web page,
section “Your financial info center”, which is an electronic system for
searching and comparing of services and makes it easy for you to choose which
option is the easiest way for the most efficient option selection.
After signage of the loan contract, you may communicate with the Bank at your
choice by post or e-mail. The most convenient way for information receipt is
the e-mail. It is available 24/7, the risk of information loss is eliminated
and ensures secrecy.
All fees and charges will be debited from the cardholder’s card account in AMD. In case of foreign currency card account, the bank is entitled to exchange the amount due to AMD at the rate established by the bank on the day of the conversion. In case the currency of a card transaction differs from the currency of the card account, the bank shall be entitled to convert the transaction amount into the card account currency at the rate mentioned in the tariffs.
According to the law of the RA “On Combating against Money Laundering and Terrorism Financing” the Bank for proper investigation of clients' profile can obtain additional documents or other information as per Know your customer-principals, also during verbal communication ask additional questions from the client (in case of need).
According to an agreement with the United States of America regarding the Foreign Account Tax Compliance Act (FATCA) - the Bank may request or gather additional information in order to identify Borrower’s status as a USA taxpayer.
In accordance with the requirements of the Common Reporting Standard (CRS) established by the Organization for Economic Cooperation and Development (OECD), the Bank may collect additional information to determine whether you are a tax resident of any foreign country or territory.
Information cards are also presented on www.fininfo.am web page, section “Your financial info center”, which is an electronic system for searching and comparing of services and makes it easy for you to choose which option is the easiest way for the most efficient option selection.
You may communicate with the Bank at your choice by post or e-mail. The most convenient way for information receipt is the e-mail. It is available 24/7, the risk of information loss is eliminated and ensures secrecy.
All fees and charges will be debited from the cardholder’s card account in AMD. In case of foreign currency card account, the bank is entitled to exchange the amount due to AMD at the rate established by the bank on the day of the conversion. In case the currency of a card transaction differs from the currency of the card account, the bank shall be entitled to convert the transaction amount into the card account currency at the rate mentioned in the tariffs.
