Mobile Banking

Mobile banking is a service provided by the bank that allows its individual customers to conduct financial transactions 24/7 remotely using a mobile device.

Download the Mobile Banking app and STAY AT HOME!

App Store https://goo.gl/PcNJ1K

Google Play https://goo.gl/SqVDyX

Apple Pay - is available in Ardshinbank Mobile Banking application. Make contactless payments with Ardshinbank payment cards directly from your iPhone at all POS terminals accepting contactless payments, where you will see the following signs:Apple Pay activation steps in the GUIDE. For details: applepay.ardshinbank.am

Google Pay -service is in the Ardshinbank Mobile Banking application and is available for devices running on the Android operating system. You can make payments at all POS terminals that accept contactless payments, where you will see the following signs: GUIDE for activation of Google Pay service. For details: googlepay.ardshinbank.am

The service gives an opporutunity to:

get a loan within a few minutes,
formulate an MTPL in a few minutes,
view card account balances and transactions,
create reports on transactions made on cards, accounts, deposits,
respond to inquiries related to transactions on cards, accounts and deposits,
make intrabank and interbank money transfers in the territory of RA,
repay current loans, view repayment schedules, receive other information on loans,
make deposit replenishments and receive information on deposits,
make utility and other payments,
exchange currency with more affordable rates that in the Bank,
create templates,
view cost statistics,
see the list of nearest branches and ATMs,
receive notifications,
carry out a donation to the servicemen,
contact the bank,
attach a card of another "Arka" member bank,
make contactless payments directly by phone through ArdshinPay,
make contactless payments directly by phone with Apple Pay,
make contactless payments directly by phone with Google Pay,
make a payment from the attached card in the PayX system,
pay the property tax registered in Yerevan,
get references online
apply for fast money transfer applications,
order a digital card,
formulate travel insurance,
pay traffic fines.

Now the registration of the Mobile Banking user can be carried out via the Internet giving the opportunity to view information on accounts, cards, loans and deposits. To do this, please follow the step-by-step guide.

GENERAL TERMS OF BANKING SERVICES - Valid from 04.09.2023

Conditions for establishing legal relations with clients for non-residents of the Republic of Armenia for the provision of banking services - valid from 25.04.2022

Conditions and tariffs for the provision and use of the I-Banking system

Provision conditions
		Condition		Means of communication
				Internet bank		Mobile bank		Telephone bank
1.1		Condition for connection to the system		acting account at Ardshinbank
1.2		Minimum requirements for using the service		Desktop computer with Internet access		Smartphone or tablet with Internet access		Phone call to the Bank's Communication Center via the mobile number registered with the Bank
Service conditions
2.1		Fee for connection to the service		free
2.3		Change of transaction limit		free
2.4		Cancellation of the service		free
2.5		Change of user’s password		free
2.6		Termination of the user		free
Limits for transactions processed via Internet bank and Mobile bank services of I-Banking system
Type of transaction				Maximum limit per 1 transaction		Maximum daily limit of transactions		Maximum daily number of transactions
3.1		DEPOSITS	Opening of deposit	unlimited		100,000,000		5
3.2			Prolongation of deposit	unlimited		unlimited		unlimited
3.3			Replenishment of deposit	unlimited		100,000,000		5
3.4			Decrease of deposit amount	20,000,000		50,000,000		5
3.5			Closing of deposit	20,000,000		50,000,000		5
3.6		LOANS	Loan issuance	1,000,000		1,000,000		1
3.7			Loan repayment	5,000,000		25,000,000		10
3.8		TRANSFERS	Transfers to cards, accounts of Ardshinbank clients and accounts with other banks	5,000,000		25,000,000		20
3.9			Transfers to cards of other banks (C2C)	According to limits specified by the tariffs of the relevant card product
3.10		CURRENCY EXCHANGE	Noncash currency purchase	5,000,000		25,000,000		10
3.11			Noncash currency sale	5,000,000		25,000,000		10
3.12			Exchange at cross rate	5,000,000		25,000,000		10
3.13		TRANSFERS TO THE BUDGET	For all types of transfers	3,000,000		10,000,000		10
3.14		OTHER TRANSACTIONS	Utility payments	3,000,000		3,000,000		20
3.15			Traffic police payments	500,000		5,000,000		10
3.16			Attachment of card	unlimited		unlimited		unlimited
3.17			PayX	According to the Bank’s limits of noncash transactions for cards attached to the service
4. Limits for transactions processed via Telephone bank service of I-Banking system
Type of transaction				Maximum limit per 1 transaction	Maximum daily limit of transactions		Maximum daily number of transactions
4.1	TRANSFERS		Intrabank transfers	2,500,000	not specified		not specified
4.2			Interbank transfers with the territory of RA	1,000,000	not specified		not specified
4.3			Interbank transfers outside the territory of RA	500,000	not specified		not specified
4.4	CURRENCY EXCHANGE		Noncash currency purchase	2,500,000	not specified		not specified
4.5			Noncash currency sale	2,500,000	not specified		not specified
4.6			Exchange at cross rate	2,500,000	not specified		not specified
4.7	TRANSFERS TO THE BUDGET		For all types of transfers	500,000	not specified		not specified
4.8	OTHER TRANSACTIONS		Utility payments	500,000	not specified		not specified
4.9			Traffic police payments	500,000	not specified		not specified