◾You have the right to communicate with Ardshinbank OJSC in your preferred way: by mail or electronically. Receiving information electronically is the most convenient. It is available 24/7, is free from the risks of losing paper information, and ensures confidentiality.

◾Funds received from third parties may be credited to deposit accounts if the deposit agreement provides the right to replenish․

◾ATTENTION: “Your Financial Directory” www.fininfo.am is an electronic system that facilitates the search, comparison of services offered to individuals and the selection of the most effective option for you.

* The annual interest for the replenishments made within last 15 days is 0,1 %.

 ** Other interest rates may be applied for customer(s) meeting the criteria set by the bank's competent authority.

 1.   Non-cash amount invested more than 60 (sixty) calendar days will be considered as cash.

2.   For the deposits, which are invested under different dates and/or amounts than indicated, interest rates and service terms for that deposits are defined by additional written agreement.

3.   From the accrued interest taxes are deducted according to the law.

4. In case of early recall of the time deposit amount or its part the Bank calculates and pays percents according to the annual interest rate applicable on daily bank account balance.

Interest on the amount of the deposit (the replenished part) shall be accrued from the day following the day of receipt of funds to the deposit account until the day prior to its return to the Depositor or debiting from the Client's account for other reasons, and interest on the amount of the deposit (the replenished part) placed from May 1, 2020, shall be accrued from the date of receipt of funds (the replenished part) to the deposit account until the last calendar day preceding its return to the Depositor or debiting from the Client's account for other reasons.

Interest earned from the deposit amount is paid to the depositor separately from the deposit in terms defined in the agreement of bank deposit, and if the depositor does not require to pay interest in the terms defined in the agreement of bank deposit, it will not be added to the deposit amount, but will be credited to the depositor's demand account and paid on first demand.

In case of cash payment of deposit, which was transferred to the deposit account in cash, and interest accrued thereon, no fees are applied.

Attention!

Interest on the balance of your account is accrued based on the nominal interest rate. And the annual percentage yield shows how much income you will get if you re-deposit interest earned on your deposit as a deposit.