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Special Offers 
Special terms for a number of services when transferring your salary to Byblos Bank Armenia
Salary Cards
Free online banking
Mastercard Standard
Salary
֏150,000-399,999
Supplementary card
free
Monthly service fee
֏250
SMS/USSD/3D SECURE
free
Cash withdrawal from ATMs across Armenia
0%
Overdraft
INTEREST RATE
15.5%
TENOR
12 years
LIMIT
5 x salary, max. ֏5,000,000
Free online banking
Mastercard Gold
Salary
≥ ֏400,000
Supplementary card
free
Monthly service fee
֏250
SMS/USSD/3D SECURE
free
Cash withdrawal from ATMs across Armenia
0%
Overdraft
INTEREST RATE
14.5%
TENOR
12 years
LIMIT
5 x salary, max. ֏5,000,000
Credit cards
Free online banking
Mastercard Standard
Monthly service fee
֏500
Cash withdrawal from ATMs across Armenia
1.5%
Max. tenor
12 years
Supplementary card
free
Grace period
up to 45 days
SMS/USSD/3D SECURE
free
Cash withdrawal from BBAM ATMS
and POS terminals
and POS terminals
0․6%
LIMIT
< 1,500,000
INTEREST RATE
16%
Free online banking
Mastercard Gold
Monthly service fee
֏1,000
Cash withdrawal from ATMs across Armenia
1.5%
Max. tenor
12 years
Supplementary card
free
Grace period
up to 45 days
SMS/USSD/3D SECURE
free
Cash withdrawal from BBAM ATMS
and POS terminals
and POS terminals
0․6%
LIMIT
≥ 1,500,000
INTEREST RATE
15%
Max. limit: AMD equivalent to $15,000
Loans
Personal Loan
With collateral
Without collateral
INTEREST RATE
14.25%*
TENOR
12-120 months
LIMIT
֏50,000,000
including the property and earthquake insurance
INTEREST RATE
14.5%
TENOR
12-48 months
LIMIT
֏10,000,000**
*max. 12 x salary
Housing Loan
INTEREST RATE
12,25%
Down payment
20%
TENOR
25 years
Insurance
only on real estate
Minimum salary
֏400,000
(including co-borrowers)
DOWN PAYMENT WHEN PLEDGING ADDITIONAL PROPERTY
0%
Loan transfer
- same conditions apply
- all transfer costs covered by the Bank
-property and earthquake insurance included
-without arrangement fee
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updated at: 21.11.2024 10:29
