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Special Offers 
New card with a single tap
Byblos Bank Armenia is excited to present a special offer exclusively for new customers
Everyone who registers online through Byblos Mobile and becomes a customer will receive their first digital Mastercard for free.
Just download the app, sign up in minutes, and choose your favorite card design.
The offer is valid until 31 July 2026.
A digital card can be obtained through the Byblos Mobile app or Online Banking system anytime, 24/7, and receive it in a matter of seconds.
The Digital Card will be available to you within seconds of ordering it.
You can use your Byblos Digital Card for all kinds of transactions – both in the physical and virtual domains.
In the event of 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.
| Service | Tariffs* | |||||
|---|---|---|---|---|---|---|
|
Currency**
|
֏ $ €
|
|||||
|
Issuance of the card
|
free
|
|||||
|
Service fee (annual)
|
1,000
|
|||||
|
for Supplementary card
|
1,000
|
|
||||
|
Provision of account statement
|
|
|
|
|
|
|
|
each month
|
free
|
|
|
|
|
|
|
provision of additional statement (VAT included)
|
free
|
|||||
|
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%
|
|||||
|
Card-to-card transfers fee
|
0.5%
|
|||||
|
Blocking of card
|
free
|
|||||
|
Release of blocked card
|
1,000
|
|||||
|
Release of blocked card online
|
free
|
|||||
|
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
|
3,000,000
|
|||||
|
USD
|
6,000
|
|||||
|
EUR
|
6,000
|
|||||
|
Interest on 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․
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 Armenian citizens or foreign citizens having residency status and actually residing in Armenia
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.
