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

In case of receiving the salary with the Bank, a Consumer Loan is provided:

• Up to 5,000,000 AMD
• Up to 60 months
• Annual interest rate*:
• 9-12 months - 11.9-12.9%
• 13-24 months - 13.9-14.9%
• 25-60 months - 15.9-17.5%
• Actual interest rate - 18.4-22.59%

The specified interest rate are set lower than the established interest rates by 1%.

* There are beneficial terms for managers.

More 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.