You can easily open accounts with Byblos Bank Armenia online, without needing to visit the bank.

Opening a Current or an Easy Save Account takes just a few seconds and is completely free.

With Byblos Mobile app / Online Banking, you can access your financial resources anytime, 24/7.

More information about the tariffs and other accounts cards are available here.

Customers can receive free push notifications for card transactions through the Byblos Mobile app.

The new service offers a free alternative to SMS notifications. To activate it, just visit the "Settings" section of your card and enable Push notifications. Detailed instructions for activation can be found here.

The service lets you send money by entering the recipient's phone number or email address.

Transfers via contacts are performed in a matter seconds.

The service is completely free. Simply input the recipient's phone number or email address, specify the amount and tap on “Transfer”.

To use the service, both the sender and the recipient must be Customers of the Bank.

You can pay for parking in zones A and B of the red-marked areas using the Byblos Mobile app or Online Banking – quickly, anytime, and 24/7.

From 1 hour to 1 year, you can pay for parking for any duration that suits you, whenever it’s convenient for you.

You can link your cards issued by other Banks to the Byblos Mobile app and have all your cards in one place.

You can then transfer funds from said cards to Byblos Bank Armenia accounts and cards and make fast and convenient transactions.

To link a card, all you need to do is:

• Navigate to the Cards section of the Byblos Mobile app / Online Banking system
• Tap on "New Card"
• Choose "Attach Another Card"
• Enter card details, and click "Pay"

The attachment of the card will be confirmed once you receive a 3D Secure authentication code via SMS and fill it in the system.

With the Byblos Mobile app / Online Banking, you can combine all your utility and other monthly payments in one place and pay with a single tap every month.

To group your utilities, go to the "Transfers" section, click the "Group Payment" button, add all the required services, and save the payment order as a template.

The service is free of charge.

When you purchase a Byblos Bank Armenia card, you can activate it through Online Banking and use it for nearly all types of transactions, including online and in-store purchases, transfers, and contactless payments, including via Google Pay and Apple Pay.

However, if you activate the card via Online Banking, transactions that require inserting the card into an ATM or POS terminal (e.g. cash withdrawals or payments requiring physical insertion) will not be available initially.

To enable such transactions, simply insert your card into any ATM within the Arca system and enter your PIN.

Customers can now complete an MTPL insurance contract in just a few minutes, all from the comfort of their home.

MTPL is the voluntary motor third party liability insurance policy that guarantees compensation for damages caused to the life and/or property of third parties. It is mandatory for all vehicles registered in Armenia.

When clients sign the contract through Byblos Mobile or online banking, they receive:

• A 5% discount on the specified insurance premium
• All offers conveniently in one location
• An electronic copy of the contract readily accessible

• An MTPL insurance policy can be signed for a duration of 3 to 12 months, with the maximum compensation amount for a single insurance claim set as follows:
• For personal injuries, the maximum reimbursement per insurance event is AMD 33,000,000, with a cap of AMD 3,300,000 per injured person.
• For property damage, the maximum reimbursement per insurance event is AMD 18,000,000, with a limit of AMD 1,800,000 per injured person.

Answers to all the frequently asked questions related to the MTPL policy can be found here.

With the Byblos Mobile app and Online Banking, you can easily make loan repayments for those who matter most to you.

To use the service, just log in to the system, navigate to the "Repayment of a Friend's Loan" page, enter the borrower's contract and passport/ID card numbers, and complete the payment.

The new feature enables Byblos Bank Armenia Customers to make loan repayments on behalf of other individuals who are also customers of the Bank.

With Byblos Mobile/Online Banking, you can conveniently repay loans with other banks without needing to switch between apps.

Simply choose the bank in the system, enter the loan details, and confirm the payment.

Security is a major issue for any Internet user, and it is a priority for us as well. Which is why Byblos Bank Armenia has taken every precaution to ensure maximum security of your financial and personal information.

Using Byblos Bank Armenia’s Byblos Online services, which are available 24/7, is easy and fast.

Individuals can activate the service either at the Bank or online* by following these steps**:

• Visit the Online Banking platform or download the Mobile Banking app,
• Register and accept the terms and conditions,
• Enter the verification code sent to your phone or your email,
• Create a 6-digit code to use it later for signing in․
  

*Only the transactional mode of the service is available. Account holders that have not performed any transaction during the last 14 months cannot activate the service and will be deactivated upon successful registration.

**When switching to the new version of the app or changing the password for the first time after the update, users will need to verify the move with the Google Authenticator app as well.

NOTE: In case of forgetting the password, individuals and legal entities can restore it without visiting the Bank. However, account holders who delete the Google Authenticator app or change their phone will have to visit the Bank to obtain a new code.

Protect your PC:

• Install anti-virus software and update it regularly.
  
• Keep your operating system and Internet browser up to date, checking for and downloading new versions/security enhancements from the vendor's website.

Browser Security:

• Do not click on a URL received from unreliable sources to access the Online Banking platform. Always type in online.byblosbankarmenia.am or click the “Online Banking” button in the Bank’s official website at www.byblosbankarmenia.am.
• Remember to log out of the system and close your browser whenever you leave your computer, even for a short while.
• Clear the cache of your browser on a regular basis so that your account information is removed. If you are using a shared PC, it is recommended that you clear it after each session.
• Check your last log-in date and time whenever you log in to Byblos Armenia’s Online banking platform.
• If you receive any suspicious communication please alert us immediately by calling +374 60 61 61 00.

Password Security:

• Do not choose a password that is easily identifiable, such as your personal telephone number, birthday or other personal information.
• Avoid using sequential numbers (such as 123456).
• Your password must be kept confidential at all times and not be disclosed to anyone.
• Your password must be memorized and not written down or recorded.

Byblos Bank Armenia uses data encryption and firewalls to maintain the security of the information it receives through the Website. Nevertheless, security and privacy risks cannot be eliminated altogether. For further security precautions, you must access the Website using commercially available browser software (such as a current version of Mozilla Firefox or Microsoft Edge) that provide 128-bit encryption and SSL (Secure Sockets Layer) technology. Also, you may not want to use your browser’s "save password" feature. Once you begin a session, you must not leave the computer you have used to access the Website unless you have terminated the session and logged off the Website. Emails are not secure or confidential unless properly encrypted. Consequently, Byblos Bank Armenia discourages the use of email to send personal or financial information to the Bank. People that use email for said purposes do so at their own risk, and Byblos Bank Armenia will not be responsible or liable for any loss or damage suffered.

Byblos Bank Armenia cooperates with third parties to research information related to the use of our Website. No personal information about you is shared, although said third parties may install unique cookie files on your browser.

Cookies are pieces of information that a website transfers to your computer's hard disc for record-keeping purposes. Cookies can make the web more useful by storing information about your preferences on particular sites, thus enabling website owners to provide more useful features to their users. They contain no name or address or any information that will enable anyone to contact you via telephone, e-mail or any other means. If you want, you can set your browser to disable cookies or inform you when they are installed. However, given that we may sometimes use cookies you may not be able to take full use of our website if you do disable them.

Here are some of the key security features we apply in our services to ensure maximum security of financial and personal data.

The login process for Mobile Banking is in two steps; the first step requests that you input your Online Banking User ID. The second step of the process requests your password, which, when combined with your User ID, ensures maximum security. So whenever you access the service, entering these details safeguards your information against being accessed by anybody else.

Our systems are protected by top-level secure gateways, including 'firewalls' and monitoring devices that prevent other users from accessing the computer.

Information security

The Online Banking system provides a high level of security thanks to innovative technologies.

After 10 minutes of inactivity on the Online Banking platform, the system will automatically log you out to prevent access from other users.