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Special Offers 
For the money transfers visit your branch or perform it online.
The transfers are performed in case there are existing open accounts in the Bank, except:
- budget transfers,
- transfers via credit codes,
- communal payments.
Please read Byblos Bank Armenia CJSC (hereinafter the Bank) Terms and Conditions for opening and operation of bank accounts, which regulate relationships between the Bank and the Customer regarding opening and operation of bank accounts, issuance and usage of payment cards, deposits as well as other services the Bank may provide to the Customer. These Terms and Conditions shall apply on the bank accounts, deposits and payment cards of the Customer. For the services the Customer should visit the Bank, provide requested information and confirm in a written manner the acceptance of the Terms and Conditions of opening and operation of bank account. The hard copy of the Terms and Conditions will be provided to the Customer at the request of the latter.
Attention
The Bank reserves the right to decline opening of a bank account or provision of any other services based on the nature, content and credibility of the provided information and/or any other circumstances the Bank might find material.
| Title | Tariff* |
|---|---|
|
Currency**
|
֏ $ €
|
|
Issuance of the card
|
free
|
|
Service fee***
|
7,000 (monthly)
77,000 (annually)
|
|
for Supplementary card (MC WE)
|
7,000 (monthly)
77,000 (annually)
|
|
Provision of account statement
|
|
|
each month
|
free
|
|
provision of additional statement (VAT included)
|
free
|
|
New PIN issuance, card replacment and reissuance (in case of name change, card loss or demage)
|
7,000
|
|
PIN code reset through ATM
|
free
|
|
Cash withdrawal
|
|
|
BBAM ATMs
|
0%
|
|
BBAM cash withdrawal outlets (POS) from against cash credits
|
0%
|
|
BBAM cash withdrawal outlets (POS) in AMD from against non cash credits
|
0%
|
|
BBAM cash withdrawal outlets (POS) in USD from against non cash credits
|
0.5%
|
|
BBAM cash withdrawal outlets (POS) in EUR from against non cash credits
|
1%
|
|
ArCa system member Banks ATM and cash outlets
|
0%
|
|
Other Armenian Banks ATMs and cash outlets****
|
0%
|
|
Foreign Banks ATM
|
0% *****
|
|
ArCa system member Banks encashments outlets (POS)
|
1%
|
|
Other Armenian Banks cash withdrawal outlets (POS)
|
1%
|
|
Foreign Banks cash withdrawal outlets (POS)
|
2.5% min AMD 2,500
|
|
Cash deposits through BBAM ATMs
|
0%
|
|
Cash deposits through ATM-s within ARCA system
|
0.62%
|
|
Annual interest accrued on the positive balance of card account
|
0%
|
|
Overdraft facility
|
available
|
|
Late payment fee on overdraft (annual)
|
24%
|
|
Card-to-card transfers fee
|
0.5%
|
|
Blocking of the card
|
free
|
|
Unblocking of the card
|
free
|
|
Unblocking of the card online
|
free
|
|
Wrong dispute of transaction******
|
15,000
|
|
Retaining the card in MasterCard “Stop List” for 2 weeks
|
15,000
|
|
1 SMS report*******
|
≥5,000 free
|
|
Push notification about card transactions
|
free
|
|
3D secure/USSD SMS report
|
free
|
|
Number of daily encashment transactions
|
15
|
|
Total maximum amount of encashment transactions per day
|
|
|
AMD
|
3,000,000
|
|
USD
|
6000
|
|
EUR
|
6000
|
|
Number of daily transactions per day
|
25
|
|
Total maximum amount of all transactions per day
|
|
|
AMD
|
50,000,000
|
|
USD
|
100000
|
|
EUR
|
100000
|
|
LoungeKey Program (airport lounges membership, unlimited access and 4 free visits per quarter for guests)********
|
free
|
|
Тravel Insurance and Medical support*********
|
free
|
|
Mastercard Chatbot Concierge**********
|
free
|
|
Interest on positive balance***********
|
0-7%
|
*Transfers are performed till the end of the next operating day after the acceptance of the payment order.
**Transfers will be executed within the same day if presented to Bank till 15:00 (for AMD). Transfers accepted later are executed during the next working day.
***Are accepted until 15:30 in AMD and until 16:30 in USD and EUR.
****Transfers in USD and EUR are executed within 48 hours.
Note: Beginning from 23 November 2024, international transfers in RUB will not be preformed due to technical reasons.
| Services* | Tariff AMD |
|---|---|
|
Gas
|
free of charge
|
|
Electricity
|
free of charge
|
|
Viva Armenia mobile connection (payment for postpaid services)
|
free of charge
|
|
Beeline
|
free of charge
|
|
Water consumption
|
free of charge
|
*Utility payments are performed in the branches without the need to open an account by the consumer or a third party, presenting the following information for the identification of the consumer:
- Gas – name, surname, address, telephone number, number of counters (any of the data)
- Electricity - name, or address, or phone number, or electricity code
- Viva Armenia – the number, for which the payment is done
- Team Telecom Armenia - mobile number (for mobile invoice) and landline phone number (for landline invoice)
- Water Consumption - name, or address, or code, or landline phone number
- Lori Water - name, or address, or code, or landline phone number
The maximum period of a transfer is one banking day. Correction of errors is performed based on the written application within 10 days in accordance with the procedure of the examination of client complaints.
