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Special offers 
Easier than cash!
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 or the ArCa system (cabinet.arca.am or the mobile app)
- By visiting one of the branches of the Bank (on weekdays from 9 am to 5 pm)
- By calling the Bank at +374 60 61 61 00 (on weekdays from 9 am to 6 pm) or the ArCa processing center at +374 10 59 22 22 (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.
ATMs:
- 6 Abovyan, Yerevan (cash in)
- 6 Abovyan, Yerevan (cash out)
- 18/3 Amiryan, Yerevan (cash out)
- 30 Mamikonyants, Yerevan (cash out)
- 38/2 Komitas, Yerevan (cash in)
- 38/2 Komitas, Yerevan (cash out)
- 84/1 Baghramyan, Yerevan (cash in)
- 84/1 Baghramyan, Yerevan (cash out)
- 9 Manandyan (Shengavit MC), Yerevan(cash out)
POS-Terminals:
- 84/1 Baghramyan, Yerevan
- 6 Abovyan, Yerevan
- 18/3 Amiryan, Yerevan
- 38/2 Komitas, Yerevan
| Title | Tariff* |
|---|---|
|
Issuance of the card
|
free
|
|
Service fee (monthly)
|
300
|
|
for Supplementary card
|
300
|
|
Provision of account statement
|
|
|
each month
|
free
|
|
provision of additional statement (VAT included)
|
500
|
|
Card account closure charge for first year
|
3,000
|
|
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%
|
|
ArCa system member Banks ATM
|
1%
|
|
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
|
-
|
|
Overdraft facility
|
not available
|
|
Late payment fee on overdraft
|
-
|
|
Card-to-card transfers fee
|
0.4%
|
|
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
|
|
3D secure 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
|
15
|
|
Total maximum amount of all transactions per day
|
750,000
|
*Tariffs are presented in AMD.
**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.
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.
