Salary project offered by Inecobank is reliable, handy and modern method for paying and administering the salaries as well as for getting a range of advantages. 

Advantages for the company 

• Gold card as a gift for top management 
• Reduction of the scope of work implemented by the Accounting and the Treasurer (the Bank reserves the responsibilities of opening and running the card accounts) 
• High quality and speed of the rendered service, 
• Transfer of the salary to the card account of the employee within the same day 

Advantages for the employees

• Track all transactions performed via card; 

• Use the card credit line services and grace period of up to 52 days; 
• Perform free of charge non-cash payments at merchant and service points; 
• Receive cash from ATMs and other encashment points; 
• Automatically replenish saving and card accounts via Direct Debit free of charge system as well as perform utilities payments; 
• Use different packages of bank products aimed particularly for the participants of the salary project. 

For optimal administration of the salary we offer a package in the form of debit card (to receive salary) and credit card (to receive a credit line).

ArCaDebit+ArcaClassic local cards

• Effective period – 2 years 
• Credit card currency – AMD, USD 
• Annual maintenance fee: ArCa Debit – AMD 500, Arca Classic – AMD 1000 
• Encashment at ATMs of Inecobank: ArCa Debit - 0%, Arca Classic - 0.5% 

Cirrus/Maestro+MasterCard Standard international cards

• Effective period: 5 years 
• Credit card currency: AMD, USD, Euro 
• Annual maintenance fee: Cirrus/Maestro – AMD 500, MasterCard Standard – AMD 2500 
• Encashment via ATMs of Inecobank: Cirrus/Maestro- 0%, MasterCard Standard - 0.5% 

However if you are willing to receive Your salary and use the credit line via the same card then we offer You the following:

ArCa Classic or MasterCard Standard credit cards

• Annual maintenance fee: ArCa Classic – AMD 1,500, MasterCard Standard – AMD 3,000 
• Card effective period: ArCa Classic - 2 years, MasterCard Standard - 5 years 
• Encashment at ATMs of Inecobank: 0.15% 
• Credit line currency: AMD, USD and Euro 

Card credit services offered within the scope of salary project

The credit line is provided at 18-24% interest rates with the following maximum limits.

The credit line limit can be defined to be up to a tenfold of the salary depending on the scope of the salary project. 

As a cardholder of Inecobank, You can administer your credit funds at rather favourable conditions using the credit line repayment grace period and paying lower interest rate against the utilized credit. 

In the event of non-cash transactions, the grace period is effective starting from the 1st day of the month up to the 21st of the following month (up to 52 days). 

Aparik+ and Autocards are provided within the scope of the salary project at 50% discounted fee (annual maintenance fee makes up AMD 1500) as well as by-instalment lending is offered at rather affordable conditions: 

• Period: up to 30 months 
• Advance payment: starting from 5 % 
• Annual nominal interest rate: 24% 
• Credit limit: up to AmD 1,000,000