ArCa Classic

ArCa Classic

With ArCa Classic cards you can make cashless payments at service and sales points in Armenia, withdraw cash from local ATMs and make payments on websites that have ArCa logo. 
Card account currency
֏ 
Validity period
2 years
Card account annual service fee(AMD)
2,500 *

Within the framework of standard tariff plan, for the whole validity term of the card the customer is provided free of charge as follows:
  • One ArCa Classic card, if the total amount of the customer’s term deposits and/or acquired bonds (issued by the Bank) was up to 500 000 AMD or equivalent foreign currency at the time of card order
  • One Classic or Standard card in the currency the customer prefers, if the total amount of the customer’s term deposits and/or acquired bonds (issued by the Bank) was 500.001-10 000 000 AMD or equivalent foreign currency at the time of card order
  • One Gold card in the currency the customer prefers, if the total amount of the customer’s term deposits and/or acquired bonds (issued by the Bank) was at least 10 000 000 AMD or equivalent foreign currency at the time of card order.
Cash withdrawal from Inecobank ATMs
  • before activating the credit line: 0%
  • after activating the credit line: 1%
Cash disbursement without card at Inecobank cash desks
Before activating the credit line:
  • AMD: 0.2% commission fee, but not less than AMD 500 AMD
  • EURO: 1% commission fee, but not less than AMD 2.000 AMD
  • USD: 1% commission fee, but not less than AMD 2.000 AMD
  • RUB: 0.5% commission fee, but not less than AMD 2.000 AMD

After activating the credit line
    The maximum between the tariff set out for cash disbursement from Inecobank ATMs under these tariffs, and the tariff "Cash disbursement at Inecobank cash-desks without card use before activating a credit line" under these tariffs.
Cash withdrawal from ArCa partners bank ATMs
  • before activating the credit line: 1%
  • after activating the credit line: 2%
Cash withdrawal daily maximum limit
1 250 000 ֏
2 500 $
2 500 €
200 000 ₽
Linked card annual service fee for the attached cards

1250 AMD
Sending of SMS notification about made transactions
        AMD 15 for each transaction, if the customer wants to receive an SMS notification regardless of the amount

*In the absence of any other assignment by the customer SMS notification are sent for transactions exceeding 1 000 AMD | 2 USD | 2 EURO | 125 RUB
Card to Card transfer /Card to other account transfer fee
0.5 %
Card blocking fee/ unblocking fee
No fee
Lost or damaged card re-issuing fee
1 250 AMD
Card account early termination fee
No fee
Your financial informant
"YOUR FINANCIAL INFORMANT" www.fininfօ.am, IS AN ELECTRONIC SYSTEM THAT GIVES INDIVIDUALS THE OPPORTUNITY TO SEARCH FOR THE NECESSARY FINANCIAL SERVICE ON A COMMON PLATFORM, COMPARING THE TERMS OH THE OFFERED SERVICES

Other conditions

Updated as of 12.02.2024 15:22