en 
am 
Special Offers 
Financial resources available everywhere.
When transferring your salary to Byblos Bank Armenia, you will receive a number of benefits: 0% fee when withdrawing cash from any ATM across Armenia, a free supplementary card, credit line with a 45-day grace period, more favorable credit terms and other benefits. Details are available on the page of our Salary Project.
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.
Note: Mastercard cards will no longer be accepted in Cuba as of June 3, 2026.
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 quickly blocking a card: via the Byblos Mobile app or the USSD service. Both are 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 * |
|---|---|
|
Currency**
|
֏ $ €
|
|
Issuance of the card
|
free
|
|
Service fee (annual)
|
4,000
(3,000 in case of salary trnsfr)
|
|
for Supplementary card (annual)
|
4,000
(free in case of salary trnsfr)
|
|
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)
|
1,500
|
|
PIN code reset through ATM
|
1,000
|
|
Encashment
|
|
|
"BBAM" ATMs
|
0.3%
|
|
"BBAM" cash outlets (POS) cash withdrawal from against cash credits
|
0.3%
|
|
"BBAM" cash outlets (POS) AMD cash withdrawal from against non cash credits
|
0.3%
|
|
"BBAM" cash outlets (POS) USD cash withdrawal from against non cash credits
|
0.5%
|
|
"BBAM" cash outlets (POS) EUR cash withdrawal from against non cash credits
|
1%
|
|
ArCa system member Banks ATMs
|
1%
|
|
Other Armenian Banks ATMs and cash outlets***
|
1%
|
|
Foreign Banks ATMs
|
2% min. AMD 2,500
|
|
ArCa system member Banks encashments outlets (POS)
|
1%
|
|
Foreign Banks encashments outlets (POS)
|
2% min. AMD 2,500
|
|
Cash deposits through BBAM ATMs
|
0%
|
|
Cash deposits through ATM-s within ARCA system
|
0.62%
|
|
Overdraft facility
|
available
|
|
Late payment fee on overdraft (annual)
|
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
|
|
Retaining the card in MasterCard “Stop List” for 2 weeks
|
15,000
|
|
1 SMS report
|
20
|
|
Push notification about card transactions
|
free
|
|
3D Secure/USSD SMS report
|
free
|
|
Number of daily encashment transactions
|
10
|
|
Total maximum amount of encashment transactions per day
|
|
|
AMD
|
500,000
|
|
USD
|
2,000
|
|
EUR
|
1,500
|
|
Number of daily transactions per day
|
20
|
|
Total maximum amount of all transactions per day
|
|
|
AMD
|
2,000,000
|
|
USD
|
4,000
|
|
EUR
|
4,000
|
|
Annual interest accrued on the positive balance*****
|
0-7%
|
*Tariffs are presented in AMD.
**In case
the currency of a card transaction differs from the currency of the card
account exchange rate for foreign exchange transaction is set by Byblos
Bank Armenia AMD +/- 1.
***In the event of withdrawing cash via Apple Pay or Google Pay from Inecobank CJSC ATMs and cash outlets, commission is charged according to relevant tariffs set for withdrawals abroad. And 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.
- 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.
