Card issuance;0 AMD
Available currencies;AMD | USD | EURO
Card validity period;5 years
One‑time service fee (full validity period);300,000 AMD
Additional card – issuance fee;0 AMD
Additional card – one‑time service fee (entire validity);200,000 AMD
Minimum account balance (non-reducible);0 AMD
Annual interest rate on positive card account balance;Up to 5,000,000 AMD → 1.50% / 5,000,000 AMD and above → 2.00% / Foreign currency balance → 0%
Cash withdrawal at Evocabank ATMs & POS‑terminals;1.2%
Cash withdrawal at ATMs / POS‑terminals of ArCa member banks;1.5%
Cash withdrawal in Bank branches via POS‑terminal (USD / EUR);2% (min 2,500 AMD)
Cash withdrawal from card account at Bank cash desk (AMD, USD, EUR);1.2%
Cash withdrawal at international banks' ATMs & POS‑terminals;2% (min 2,500 AMD)
Non‑cash payment at merchant POS‑terminals (Bank and other banks);0 AMD
Card blocking;0 AMD
Card unblocking (wrong PIN or CVV entry);1,000 AMD
Card reissuance after expiration;0 AMD
Card reissuance (lost, stolen or damaged);30,000 AMD
PIN generation via ArCa member ATMs or EvocaTouch / Evoca Online;0 AMD
PIN generation request through Bank branch;1,000 AMD
Card account statement for period over 1 month;0 AMD
Cash deposit via ATM CASH‑IN (ArCa member banks);1%
SMS notifications – Armenian mobile numbers;Transactions ≤ 5,000 AMD → 20 AMD / Transactions > 5,000 AMD → 0 AMD
SMS notifications – international numbers;Transactions ≤ 5,000 AMD → 200 AMD / Transactions > 5,000 AMD → 0 AMD
Overdraft / overspending penalty;20% per annum
Local delivery of payment cards (within Armenia);0 AMD
International delivery of payment cards;0 AMD
Card‑to‑card transfer via Bank ATMs (to Evocabank cards);1%
Transfer to cards of ArCa member banks & H2H‑connected banks;1.20%
Card‑to‑card transfer via EvocaTouch / Evoca Online (internal);0.5%
Card‑to‑card transfer via EvocaTouch / Evoca Online (to external ArCa / H2H banks);1.20%
Maximum daily cash withdrawal limit;5,000,000 AMD | 12,000 USD | 10,000 EUR
Maximum daily number of cash withdrawal transactions;20 operations
Fee for increasing daily cash withdrawal limit (amount and/or count) – valid for entire card lifetime;Changing limit above 5,000,000 AMD → 4,900 AMD