By receiving the salary through ACBA Bank, you will have the opportunity to:

• receive card and credit products with beneficial terms:
• international payment system cards
• credit lines
• consumer loans
• mortgage loans

• use the products offered within the salary program without the Bank's cooperation agreement between you and your employer;
• receive a loan with beneficial terms of assessment of creditworthiness;
• due to the wide network of branches andATMsbe served in a place, convenient for you.

In case of receiving the salary with the Bank, a Credit Line is provided:

• Eight-fold of the salary
• Annual interest rate (AMD) – starting from 15.5%
• Actual interest rate – 12.16-23.38%

In case of receiving the salary not with the Bank, annual interest rate (AMD) - 19.5-21%

* There are beneficial terms for managers.

More information on credit lines

• up to 10,000,000 AMD
• up to 60 month
• Annual interest rate*: These interest rates are set at 1% below the current interest rate.
• Loans are provided without commission
  
  

If the salary is not received through the Bank:

• Annual interest rate (AMD): 20.1 - 21.6%
• Actual interest rate: 22.04-23.85%
  
  

Mortgage loans

In the case of receiving the salary through the Bank, preferential conditions apply in the case of mortgage loans for the purchase and repair of real estate.

*Privileged conditions for heads.

Detailed information on consumer loans

To receive cards, loans and credit lines:

• Fill in online application or

• Visit your nearest branch of the Bank.

Visiting the branch, it is required you submit:

• Identification document,
• Public service number,
• Other documents, upon request.