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   SERVICES   |   Tariffs
Last update 23.07.2014 9:48
t2

1. ACCOUNT SERVICES

1. Resident and non-resident1 legal entities and private entrepreneurs bank accounts
1.1 Bank account keeping
1.1.1 Bank account opening fee 0 AMD
1.1.2 Annual service fee for bank account (except credit accounts) 0 AMD
1.1.3 Bank account closing fee according to Customer’s application2 0 AMD
1.1.4 SMS notification of bank account (including deposit and credit accounts) turnover and balance (per SMS)
30 AMD 3
1.2 Bank account balance
1.2.1 Minimum bank account balance4
(required only for one bank account in any currency)
15,000 AMD
1.2.2 Annual interest rate applied on daily balance of account5 AMD Other currency
1.2.2.1 Up to AMD 20.000.000 or USD 50.000 / EUR 35.000 / RUB 1.500.000 0,01% 0,01%
1.2.2.2 AMD 20.000.001-50.000.000 or USD 50.001-130.000 / EUR 35.001-90.000 /RUB 1.500.001-4.000.000 1% 0,05%
1.2.2.3 50.000.001 AMD 50.000.001 or USD 130.001 / EUR 90.001 / RUB 4.000.001 and more 1,5% 0,5%
1.3 Informational services
1.3.1 1 Provision of bank account statements and similar payment documents with 1 month aging period
(including deposit and credit accounts)
0 AMD 3
1.3.2 Provision of Swift message copy 1,000 AMD 3
1.3.3 Provision of bank account statements and similar payment documents upon Customer request by aging period
(including deposit and credit accounts)
1.3.3.1 In case of 1-12 months aging period
(per document of each account)

1.3.3.2 In case of more than 12 months aging period
(per document of each account)

2,000 AMD 3 + postal expenses
(upon availability)

3,000 AMD 3 + postal expenses
(upon availability)
1.3.4 Provision of references
1.3.4.1 Provision of standard references in Armenian/English languages 6

1.3.4.2 Provision of non-standard references in Armenian/ Russian/ English languages 7

2,000 AMD 3 + postal expenses
(upon availability)
5,000 AMD 3 + postal expenses
(upon availability)
1.3.5 Preparing and providing of audit queries 10,000 AMD 3+ postal expenses
(upon availability)

1. It is defined special tariffs for non-resident legal entities registered in offshore areas approved by The Government of RA.
2. In case of not implementing any transactions by the Customer all accounts during 12 months, the Bank will charge AMD 15.000 fee and close Customer’s all accounts, if the balance is zero. Moreover, in case there is not enough funds to charge the above mentioned fee from Customer’s accounts the Bank charges the fee from the existing amount of the balance.
3. Tariffs include Value added tax (VAT).
4. During the account opening the minimum balance inputs into account and freezes in Customer’s bank account. In case of foreign currency CBA middle exchange rate will be applied.
5. Interest rates accrued on the balance of accounts of non-resident legal entities, include non-resident’s profit tax rate (if it is established by the legislation of RA).
6. Standard types of references issued by the Bank are as follows:
2. Accounts of individuals
2.1 Opening of the account of charge
2.2 Minimum required balance of the (bank) account (only for a single account) 5'000 AMD
2.3 SMS notifications on the activity and account balance (including the reminder on credit and deposit accounts) 30 AMD
2.4 Providing with the copy of account statement or other payment documents, depending on the period passed
2.4.1. Stored in paper form
- up to a year
- over a year
3'000 AMD
10'000 AMD,
max 50'000 AMD
2.4.2 Stored in electronical form 1'500 AMD
2.5 Maintenance fee for the account dormant one year 2'500 AMD
2.6 Preparation and extending of answers to audit request (the banks excluded) 15'000 AMD
2.7 Closure of the account 2'500 AMD
2.8 Deposit books provision 1'000 AMD
2.9 Provision of checkbooks * 1'000 or 2'000 AMD by category
* - For budgetary and treasury organizations - 1'000 AMD
- Provision of old-style checkbooks (checkbooks of Ardshinbank USSR) - free of charge

2. TRANSFERS

2.1 Interbank (interbranch) transfers in AMD and foreign currency
- transfers from customer accounts free of charge
- cash transfers of individuals free of charge
- fast transfers AMD 500
- amendment (including cancellation) of transfers AMD 1'000
2.2 Intrabank transfers in AMD
- transfers from the bank account of the Client free of charge
- cash transfers of individuals
- up to AMD 5'000 AMD 100
- AMD 5'001-10'000 AMD 150
- AMD 10'001-50'000 AMD 200
- AMD 50'001-100'000 AMD 300
- AMD 100'001 and over 0.1%,
min AMD 500, max 5'000
- fast transfers 0.1%,
min AMD 500, max 10'000
- amendment (cancellation including) of transfers in AMD AMD 2'000
2.3 Foreign currency transfers inside the territory of RA 0.1%, min AMD 2'000, max AMD 20'000
2.3.1 Fast foreign currency transfers in RA 0.1%, min AMD 3'000, max AMD 30'000
2.4 Amendment of the conditions for remittances in RA (including callback and cancellation) AMD 3'000
2.5 Transfers in foreign currency outside RA
OUR bank charges version
For customers, having an account, in USD, EUR and other currencies 0.15%,
min AMD 5'000, max AMD 75'000
For customers having no account (Guaranteed OUR)
- in USD 0.15% +15'000,
min AMD 20'000, max 75'000
- in EUR 0.15% +30'000,
min AMD 35'000, max 75'000
SHA bank charges version in USD, EUR and other currencies
(for all customers)
0.1%,
min AMD 5'000, max 50'000
Amendment (including cancellation) of payment in foreign currencies outside RA
- for transfers in USD AMD 25'000
- for transfers in RUB AMD 10'000
- for transfers in other currencies AMD 30'000
Investigation of foreign currency transfer AMD 7'500
* All additional charges claimed for the payment execution from Ardshininvestbank have to be paid by Customer

(1) Transfers in RUB are accepted only through "OUR" bank charges version.
(2) No additional commission will be presented for the transfers in USD.
(3) For customers, having an account in Ardshininvestbank, the service of Guaranteed OUR can be offered, for which 10'000 dram is levied additionally to standard OUR charges.

3. INTERNATIONAL COLLECTION

4.1 Advising of collection order AMD 15'000
4.2 Acceptance or payment of collection 0.25%, min AMD 35'000
4.3 Delivery of the documents stand on collection without acceptance or payment AMD 25'000
4.4 Return to correspondent bank of the documents stand on collection but unpaid by the Customer AMD 40'000
4.5 Presenting of collection order, checking and delivery of collection documents 0.25% min AMD 50'000
4.6 Amending of collection instructions, including cancellation of order AMD 30'000

4. DOCUMENTARY CREDITS

5.1 Letters of credits issued for beneficiary outside the RA (by currency freezing)*
By confirmation of foreign financial institution (FFI)** FFI interest rate + 0,5% annually,
min AMD 40'000
Direct letters of credit (without FFI confirmation)** 0,5% annually,
min AMD 40'000
5.2 Letters of credits issued for beneficiary outside the RA ensured by other property
By confirmation of foreign financial institution (FFI)** FFI interest rate + 3%, min AMD 40'000
Direct letters of credit (without FFI confirmation)** 3% annually, min AMD 40'000
5.3 Payments referring to letters of credit according to documents applied 0.15%
min AMD 5'000, max 75'000
5.4 Acceptance and inspection of documents
Acceptance and inspection in case of non contradictions in documents AMD 40'000
Acceptance and inspection in case of contradictions in documents (to be charged from beneficiary) AMD 75'000
5.5 Changes in terms of letters of credit AMD 30'000
5.6 Notification of letter of credit issued for the Customer by other FFI AMD 15'000
5.7 Transfer of letters of credit issued for the Customer by other FFI to the second beneficiary 3% annually, min AMD 40'000
* In case of replication of letters of credit insured by freezed currency with other pledge item the charge is made according to difference between fixed amount for letters of credits ensured by other pledge item and letters of credit ensured by currency freezing, as well as additional sum of AMD 30`000 is charged.
** Non-interest fees presented by FFI are charged separately.

5. BANK GUARANTEES

6.1 Any type of bank guarantees issued for the beneficiaries acting in the area of the RA with the provision(freezing) of cash assets, bonds issued by the Bank, standardized gold bullions, state treasury stocks, stocks issued by the CB of the RA * 0.5 % of the guarantee amount,
min AMD 10'000, max 50'000
6.2 Bank guarantees for tender participation * 1.0% of the guarantee amount,
min AMD 10'000, max 100'000
6.3 Bank guarantees for work accomplishment and prepayment provision*
up to 366 days 1.0 % of the guarantee amount,
min AMD 10'000
from 366 to 548 days 1.5% of the guarantee amount,
min AMD 10'000
from 548 days and more 2.0% of the guarantee amount,
min AMD 10'000
6.4 Bank guarantees for the quality of work done and others* 2.5 % of the guarantee amount,
min AMD 15'000
6.5 Any type of bank guarantees issued for the beneficiaries acting outside the area of the RA with the provision(freezing) of cash assets, bonds issued by the Bank, standardized gold bullions, state treasury stocks, stocks issued by the CB of the RA* 0.5 % of the guarantee amount,,
min AMD 50'000 + the commission of the foreign financial institution**
6.6 Bank guarantees issued for the beneficiaries acting outside the RA with the provision of other assets 2.5 % of the annual guarantee amount, (monthly payments),
min AMD 50’000 + the commission of the foreign financial institution**
6.7 Notification of guarantees issued by other FFIs for customers of the Bank or other banks and / or by information of already issued guarantees AMD 15'000
6.8 Change of banking guarantee AMD 20'000
6.9 Fee for the guarantee issued by the Bank upon request 0.15 % of the guarantee amount, min AMD 50’000
6.10 Fee for application research AMD 5'000
* In case of providing bank guarantees the charge for provision (issue) is made at the time of provision, lumpsum.
** Non interest fees by foreign financial institutions are charged separately.
In case of replication of guarantee insured by freezed currency with other pledge item the charge is made according to difference between fixed amount for guarantees ensured by other pledge item and guarantees ensured by currency freezing, as well as additional sum of AMD 30'000 is charged.
These rates are also valid for Stand by LC.

6. TRANSACTIONS IN FOREIGN CURRENCY AND SECURITIES

7.1 Deposit of foreign currency in cash to the Customer's account
USD 0.0%
EUR 0.0%
GBP 3.0%
CHF 3.0%
RUB 1.0%
7.2 Provision of foreign currency cash from the Customer's account
USD 0.5%
EUR 0.5%
GBP 0.5%
CHF 0.5%
RUB 0.5%
7.3 Intrabank exchange of foreign currency the Bank rate
7.4 Substitution of ramshackle and damaged bank-notes in USD, EUR, RUB 3%
7.5 Transactions in the RA state securities and service the DEPO account
- Opening a DEPO account AMD 2'000
- RA state bonds acquiring from the primary placement auction at the request of Investor 0.05% of the passed part of bid of the transaction price
- Sell of the RA state bonds on the REPO auctions at the request of Investor 0.05% of the passed part of bid of the transaction price
- RA state bonds acquiring from the Bank or selling to the Bank by the Investor AMD 1'000 per each bond issued
- Extending the orders that meet the main conditions fixed by RA state bonds depository AMD 500 per each order

7. CASH TRANSACTIONS IN AMD

8.1 Deposit of cash to the customer’s AMD account free of charge
8.2 Withdrawal of cash from the customer’s AMD account Provision of cash in AMD at the amount of positive difference between the cash inflows and cash outflows during the preceding 30 days - 0.1%
In other cases - 0.3%
8.3 Substitution of ramshackle and damaged AMD bank-notes free of charge
8.4 Extending the cash within two days to the persons realizing specialized burse activity for account of cash funds in AMD deposited by them to their account 0, 05%

8. PROVISION AND MAINTAINANCE OF PLASTIC CARDS

For detailed information visit the Payment cards

9. CREDIT OPERATIONS

For detailed information visit the Loans

10. "BANK-CUSTOMER" SYSTEM

11.1 Installing of System at the Customer free of charge
11.2

Monthly maintenance fee

- for individuals

- for legal entities or soul entrepreneurs
 

- for "Premium" and "Big" Customers

 

AMD 3'000

first month - free of charge,
next months - AMD 4'000

free of charge

11.3 Information and consultance provision via phone and, if necessary, specialist visit for the purpose of bank-customer system installation and training free of charge
11.4 Generating and extending of electronic signature carrier free of charge
11.5 Generating and extending of a new electronic signature carrier (if lost or damaged) AMD 4'000

11. DEPOSITORY SERVICES

12.1. Account Opening
- for Individuals AMD 2'000
- for Legal Entities AMD 5'000
- Depo account service free of charge
12.2. Credit of stocks to Customer's depo account free of charge
12.3. Transfer of stocks
- intradeposit transfer of stocks AMD 2'000
- transfer of stocks as a result of brokerage contract signed with the Bank free of charge
12.4. Restriction and/or pledge of stocks
- restriction and pledge of intradepositary stocks AMD 2'000
- trade restriction AMD 1'000
- trade restriction as a result of brokerage (dealer) contract signed with the Bank free of charge
12.5. Suspension of stock restriction and pledge
- suspension of intradepositary stock restriction and pledge AMD 1'000
- suspension of trade restrictions AMD 1'000
- suspension of trade restriction as a result of brokerage (dealer) contract signed with the Bank free of charge
12.6. Provision of excerpts and references based on currently levied tariffs for bank accounts

12. BROKERAGE SERVICES

Classifying by market Tariffs for each transaction Notice
Corporate Bond Market of the RA Up to AMD 50 mln. – 0.10%
more than AMD 50 mln. – 0.05%
Commission fee must be not less than AMD 5'000

13. INSURANCE OF VEHICLE OWNER CIVIL LIABILITY

CIVOCL tariffs

14. OTHER SERVICES

15.1 Safekeeping of values, valuables and documents received from Individuals and Legal Entities (on a monthly basis)
In case of declared or estimated amount
- safekeeping up to 15 days 0,2% min AMD 3'500 monthly
max AMD 150'000 annually
- safekeeping over 15 days 0,2% min AMD 7'000 monthly
max AMD 150'000 annually
For each day of depositing, recalling, depositing – recalling transactions with documentary registration AMD 500
15.2 Safekeeping of values in individual boxes
15.3 Bank consulting services by arrangement
15.4 Sale of checks of compulsory uncommon vehicle inspection AMD 1'000
15.5 Rules opening and maintenance of special accounts of social packages (arm.)

Individuals social package account Application-Contract (arm.)

Commissions against the services extended by the Bank are levied in AMD only.

Terms and Conditions given may be changed at any time without prior notice.

The lumpsum funds chargedby the Bank are not subject to return, even in the case of refuse in extending the credit.

The customers ranked as “A” class customers in accordance with the Bank classification, will be offered privileged Tariffs. For separate customers, the Bank may also establish privileges fixed in the service agreement.

The Terms and Conditions given are applied to standard transactions realized by the Customer. In all cases when correspondent bank or intermediary bank participating in executing the transaction lay claim or charge Ardshininvestbank with additional commissions, Ardshininvestbank has a right of charging the account of the Customer with above mentioned commissions, in addition to the standard commission already paid by the Customer.

Additional Information

The Terms and Conditions given and list of services offered may be changed from time to time, of which the customers will be advised by the information service of the Bank, service operators, publications in press and other press-media.

For more information, please call on Information desk. Tel.: (+374 10) 54-04-04

 

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Dear Customers,
In case of inconsistencies between the information in English and Russian languages
You need to be guided by Armenian version.
  The Bank is not liable for the accuracy and truthfulness of the content of any linked websites, as well as for the advertisements and possible consequences resulted from information use.
ARDSHININVESTBANK CJSC 2003-2014
0015, 13, Gr. Lusavorich Str., Yerevan, Armenia
Telephone: (+37410) 54-04-04   Fax: (+37410) 56-74-86   E-mail: office@ashib.am