414.00, 417.00 
13.10, 13.50 
533.00, 543.00 
|
Information summary on ArCa
plastic cards issued by "Anelik Bank" CJSC |
|
The followings are terms of issuance and service of ArCa Classic and ArCa Gold plastic cards issued by the Head Office and branches of “Anelik Bank” CJSC, as well as service of card accounts:
ArCa Classic and ArCa Gold debit or credit plastic cards are issued to both resident and non-resident physical persons.
The card is given to the client in two days after application of the client to the Bank and signature of the service agreement. The card is effective since the moment being given to the client and may be used by the client.
Together with the card the client is given PIN code containing envelope. The PIN code should be used exceptionally by the client and the client shall assure unavailability of the PIN code for any other person. The PIN code is not recommended to keep with the card. Cards are usually given for 2 years period. If card service termination written request is not received by the Bank within 30 days before expiration of the effective date of the card, the card will be re-issued for another 2 years. Card account currency is Armenian dram.
The client may claim to the Bank within 15 days after receipt of account extract if any discrepancies are found in it. If no claims have been received within the mentioned period of time the Bank may deem the extract as received. The claim shall be submitted in written. The claim should be executed by the Bank within the set period of time by performing all related actions set by the rules of ArCa payment system.
The cardholder shall immediately inform (on the phone) the Bank and/or the Processing Center of Armenian Card in case of loss of the card. Once the Bank is informed on the loss via phone, the card activity shall be suspended. Within 5 days after suspension of the card activity the cardholder should visit the Bank to submit written application on the loss of the card. Based on the application the Bank shall issue new card within 2 working days.
Based on the written application of the cardholder the Bank may terminate the service of the card and close card account. Balance of the card account is given to the cardholder. The Card should be returned to the Bank.
The card holders will enjoy up to 50% discount when making non-cash purchases at about 500 stores and service points all-around Armenia. List of stores can be found at the following link: LIST
Card issuance and service tariffs are as follows:
|
Services |
ArCa Classic |
ArCa Gold |
|
Card issuance (issuance) within 2-5 banking days |
free |
free |
|
Service fee for quick issuance (during one banking day) |
3000 AMD |
5000 AMD |
|
Opening of card account |
free |
free |
|
Card service annual fee |
2000 AMD |
5000 AMD |
|
Re-issuance of expired cards |
free |
|
|
Minimum balance |
2000 AMD |
40000 AMD |
|
Attached card issuance |
free |
free |
|
Annual service fee for the attached card |
2000 AMD |
5000 AMD |
|
Issuance of new card for the same period to replace damaged, non-exploitable card |
2000 AMD |
5000 AMD |
|
Card blocking |
free |
free |
|
Card unblocking |
1000 AMD |
1000 AMD |
|
Issuance a new card to replace lost or stolen card or PIN code for the same period of efficiency |
2000 AMD |
5000 AMD |
|
Monthly repot on the card account in the Bank, via post or e-mail |
free |
free |
|
Submission of additional report on the card account in the Bank, via post or e-mail |
500 AMD |
500 AMD |
|
SMS service connection |
free |
free |
|
Fee per each SMS |
35 AMD |
35 AMD |
|
Replenishment of the card account |
free |
free |
|
Quick Replenishment of the card account |
5000 AMD |
5000 AMD |
|
Commission against cash withdrawal through ATMs of the Bank and encashment points |
0.2% |
0.5% |
|
Commission against cash withdrawal through ATMs of other Banks |
0.8% |
1% |
|
Commission against cash withdrawal from the card account without card encashment |
0.5% |
0.5% |
|
Commission against transfer from one card to another card of the Bank through internet |
0.4% |
0.4% |
|
Commission against transfer from one card to another card of other Bank through internet |
0.5% |
0.5% |
|
Non-cash transactions performance |
free |
free |
|
Cash withdrawal daily limit for AMD card accounts |
300,000 AMD |
1,000,000 AMD |
|
Commission against temporary review of limits |
1000 AMD |
1000 AMD |
|
Clear annual interest rate calculated against positive balance of card account (Clear annual interest rate calculated against demand deposit rates of the Bank) |
2% |
2% |
|
Annual interest profitability of demand deposit |
1.82% |
1.82% |
|
Interest rates against credit lines, overdrafts, used amount shall be set by decisions of the Board of “Anelik Bank” CJSC | ||
|
Closure of card account is free of charge | ||
Grace period for used credit facilities repayment is set 15 days starting from the date of using. Maturity date for repayment of total of credit facilities and interests is set 45 days. If funds were not repaid during the grace period interest shall be calculated starting from the date of using the funds up to date of actual execution of the obligation.
The Bank enjoys the right to unilaterally change the size of interest paid against funds existing on the account, by informing the client 15 days before they become effective.
The Bank enjoys the tax agent right to calculate and pay tax on profit (10%) from the interest received against facilities available on the account.
Any disputes arisen between the Bank and the client shall be settled through negotiations.
Disputes arisen between the Bank and the client may be resolved through Financial system mediator (in accordance with the order provided by RA Law “On financial system mediator”) or at commercial arbitrage (in order provided by RA Law “On Commercial arbitrage).
Interest calculation sample:
Initial amount of deposit 1.000.000 AMD
Clear annual interest rate of the deposit 2 %
Date of the deposit 12 month
Annual interest profitability of the deposit (after taxation) 1.82 % (in case of capitalization of the interest)
Monthly paid interest
1.000.000 X 2%/365 X 30(31) = 1644 AMD (without taxation)
1644 – 1644 X 10 % = 1480 AMD (net profit)
Final amount of the deposit
1.000.000 + 1480 X 12 = 1.017.760 AMD (after taxation)
In case of capitalization of interests of the deposit.
Final amount of the deposit 1.018.150 AMD (after taxation)
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- Contacts+374 10 59 33 33
- BranchesYerevan
- Customercare
- Clientsrights
- Shareholders
- Vacanciesavailable
"Anelik Bank" CJSC, 13 Vardanants str, Yerevan, RA
Post adress: 0010, 13 Vardanants str., Yerevan
Tel:, +374 10 59 33 33, + 374 60 27 33 33
E-mail: anelik@anelik.am
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