Deposits

Deposit “Uni-Accumulative”

Deposit with the possibility for replenishment and interests capitalization. Interest rate in AMD- 11%, in USD - 6%, in EUR - 5% annually. All depositors, who has placed their means on the deposit “Uni - Accumulative”, get as a present Unipay utility payment card.

Deposit «Multicurrency»

Multicurrency regime is active during the whole deposit validity period, thus allowing depositors to avoid the consequences of currency exchange movements. All depositors are provided with opportunity of granting overdraft to the sum of 90% of the initial deposit amount.

Deposit «Capital +»

The capitalization of interests is realized by the depositor’s request, allowing depositors to get maximum income. All depositors get ArCa card or Visa Electron card, as well as possibility of granting overdraft to the sum of 90% of the deposit amount by the date of submitting the deposit application.

Deposit «Extendable»

Deposit with the possibility for replenishment and getting overdraft. The deposit is accepted in AMD, interest rate -11% and in USD, interest rate - 7%. All depositors get ArCa card or Visa Electron card, as well as Unipay utility payment card.

Deposit «Profitable+»

The peculiarity of this deposit is high annual interest rate – up to 13% annually. All depositors get ArCa card or Visa Electron card, as well as Unipay utility payment card. There is provided also possibility of granting overdraft to the sum of 90% of the deposit amount.

Deposit «Convenient»

Deposit at interest rate 12% annually and with the possibility of partial recall of amount.All depositors get possibility of granting overdraft to the sum of 90% of the deposit amount.

Standard Time Deposits

ARMENIAN DEPOSIT GUARANTEE FUND

The deposits placed in the bank are guaranteed by the Deposit Guarantee Fund, in accordance with the legislation of RA.
The guaranteed deposits limits are as follows:

only for deposits in AMD – 4 million AMD,
only for deposits in foreign currency – 2 million AMD
for deposits in AMD (over 2 million) and for deposits in foreign currency – up to 4 million AMD (only deposits in AMD are guaranteed )
for deposits in AMD (less than 2 million) and for deposits in foreign currency – deposits in AMD are fully guaranteed and the banking deposits in foreign currency are guaranteed equal to the difference of 2 million AMD and reimbursed banking deposit in AMD.

All the deposits in AMD placed in the same bank are considered to be one deposit, all the deposits in foreign currency are also considered to be one deposit. The joint deposit is a separate deposit in proportion to the share fixed in the contract.

Updated: 6/04/12 15:31