Transfer & Receive

Salary Project

Special terms for a number of services when transferring your salary to Byblos Bank Armenia

Salary Cards

Free online banking

Mastercard Standard

Salary

֏150,000-399,999

Supplementary card

free

Monthly service fee

֏250

SMS/USSD/3D SECURE

free

Cash withdrawal from ATMs across Armenia

Overdraft

INTEREST RATE

15.5%

TENOR

12 years

INTEREST RATE

12%

LIMIT

5 x salary, max. ֏5,000,000

(or the equivalent in USD)

More information about the card is available here.

Free online banking

Mastercard Gold

Salary

≥ ֏400,000

Supplementary card

free

Monthly service fee

֏250

SMS/USSD/3D SECURE

free

Cash withdrawal from ATMs across Armenia

Overdraft

INTEREST RATE

14.5%

TENOR

12 years

INTEREST RATE

12%

LIMIT

5 x salary, max. ֏5,000,000

(or the equivalent in USD)

More information about the card is available here.

Credit cards

Free online banking

Mastercard Standard

Monthly service fee

֏500

Cash withdrawal from ATMs across Armenia

1.5%

Max. tenor

12 years

Supplementary card

free

Grace period

up to 45 days

SMS/USSD/3D SECURE

free

Cash withdrawal from BBAM ATMS
and POS terminals

€

LIMIT

< 1,500,000

INTEREST RATE

16%

LIMIT

< 3,000

INTEREST RATE

13%

LIMIT

< 2,500

INTEREST RATE

12%

More information about the card is available here.

Free online banking

Mastercard Gold

Monthly service fee

֏1,000

Cash withdrawal from ATMs across Armenia

1.5%

Max. tenor

12 years

Supplementary card

free

Grace period

up to 45 days

SMS/USSD/3D SECURE

free

Cash withdrawal from BBAM ATMS
and POS terminals

€

LIMIT

≥ 1,500,000

INTEREST RATE

15%

LIMIT

≥ 3,000

INTEREST RATE

12%

LIMIT

≥ 2,500

INTEREST RATE

11%

Max. limit: $15,000 or c/v in another currency

More information about the card is available here.

Loans

Personal Loan

With collateral

Without collateral

INTEREST RATE

14.25%*

TENOR

12-120 months

LIMIT

֏50,000,000

including the property and earthquake insurance

More information about the loan is available here.

INTEREST RATE

14.5%

TENOR

12-48 months

LIMIT

֏10,000,000**

*max. 12 x salary

More information about the loan is available here.

Housing Loan

INTEREST RATE

12.25%

Down payment

20%

TENOR

25 years

Insurance

only on real estate

Minimum salary

֏400,000

(including co-borrowers)

DOWN PAYMENT WHEN PLEDGING ADDITIONAL PROPERTY

Loan transfer

same conditions apply
all transfer costs covered by the Bank

-property and earthquake insurance included

-without arrangement fee

More information about the loan is available here.