Table of contents
- Eligibility for HSBC STATUS
- Account opening and maintenance
- International Visa PLUS ATM card
- Mastercard® World Black Edition card
- Credit and debit cards
- Cash transactions/operations
- Express banking
- Money transfers
- Cheques/Chequebooks
- Safe deposit lockers
- Issuance of bank account statements / other documentation
- Preferential terms for term deposits and loans
- How to apply for HSBC STATUS
Eligibility
You can become STATUS customer for free if you are HSBC Bank Armenia (hereafter Bank) customer and your account data meets any of the following criteria
- the current average aggregate credit balance of your accounts at the Bank for the last three months is not less than AMD 20 million or equivalent foreign currency
- you are a STATUS customer immediate family member (spouse, father, mother, son, daughter)1
- your net monthly salary and alike payments are minimum AMD 2.5 million or equivalent foreign currency and are being transferred to your Bank account2
- your current personal loan portfolio3 at the Bank is minimum AMD 100 million
- you are HSBC Group Premier or Private Banking Customer
- the Bank may offer you to be STATUS customer, if you are shareholder or director of corporate customer of the Bank
In the future, if you do not meet the above set criteria you may still temporarily benefit from STATUS for AMD 20,000 per month4 on Bank’s discretion.
1 Family members can use STATUS service if the average credit balance of STATUS customer accounts at the Bank for the last three months was not less than AMD 20 million or equivalent foreign currency.
2 You will be given grace period to replenish your accounts within the next 24 months after becoming a Bank STATUS customer, so that the average credit balance of your accounts for last three months of the above period should be not less than AMD 20 million or equivalent in foreign currency.
3 STATUS service will apply until loans whole repayment.
4 It is not applicable during 6 months after becoming STATUS customer.
Account opening and maintenance1
Enjoy free account opening and servicing.
Current and savings (including additional) account opening and servicing | Free |
---|---|
Term deposit (including cumulative) account opening and servicing |
Free |
Escrow account2 |
0.5% of escrow amount (minimum AMD 100,000 maximum AMD 500,000) |
Current and savings (including additional) account opening and servicing |
Term deposit (including cumulative) account opening and servicing |
---|---|
Free | Free |
Current and savings (including additional) account opening and servicing |
Escrow account2 |
Free |
0.5% of escrow amount (minimum AMD 100,000 maximum AMD 500,000) |
1You can familiarize yourself with the list of required documents for respective accounts opening, as well as accounts opening and closing procedures in that account-related part of our website (links to the respective pages are available above).
2 Escrow account is a one-time account service provided by the Bank for ensuring secure settlements between the parties to real estate property sale and purchase transactions.
International Visa PLUS ATM card
International Visa PLUS ATM card is issued with your current account. You can choose to have two accounts attached to one ATM card and manage your accounts from ATMs. Moreover you can withdraw cash free of charge from HSBC Group ATMs worldwide.
Card issuance and service |
Free |
---|---|
Additional card issuance and service |
Free |
Card reissuance |
Free |
Additional card reissuance | Free |
Cash withdrawal at HSBC Group ATMs worldwide |
Free |
Cash withdrawal from Ameriabank ATMs | Free |
Cash withdrawal at non-HSBC Group ATMs |
AMD 2,000 per transaction |
Transfer of funds between accounts held at the Bank |
Free |
Card issuance and service |
Additional card issuance and service |
---|---|
Free | Free |
Card issuance and service |
Card reissuance |
Free | Free |
Card issuance and service |
Additional card reissuance |
Free | Free |
Card issuance and service |
Cash withdrawal at HSBC Group ATMs worldwide |
Free | Free |
Card issuance and service |
Cash withdrawal from Ameriabank ATMs |
Free | Free |
Card issuance and service |
Cash withdrawal at non-HSBC Group ATMs |
Free |
AMD 2,000 per transaction |
Card issuance and service |
Transfer of funds between accounts held at the Bank |
Free | Free |
Mastercard World Black Edition card
As a STATUS customer get a free Mastercard World Black Edition card, the best-in-class card product within Mastercard family premium-level cards introduced in Armenia.
The card package includes:
Insurance Package1
Travel insurance free package offers various insurance services, with up to EUR 50,000 coverage worldwide. Enjoy your trip while Mastercard World Black Edition card takes care of the rest.
Insurance services | Refund limit applies | Currency | Refund maximum limit | Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person |
---|---|---|---|---|
Emergency evacuation & repatriation expenses | Per event | EUR | 50,000 | 100 |
Emergency medical expenses | Per event | EUR |
50,000 |
100 |
Personal accident full trip (Accidental death & disability) | Per event | EUR |
50,000 |
Not applicable |
Hospital daily benefit | Per day (max 30 days) | EUR |
50 | 48 hours |
Loss of baggage | Per event | EUR |
1,200 | 50 |
Loss of money | Per event |
EUR |
800 | 50 |
Trip cancellation | Per event |
EUR |
2,000 | Not applicable |
Missed departure | Per event |
EUR |
2,000 | Not applicable |
Travel delay | Per hour (max 12 hours) | EUR |
60 | 4 hours |
Baggage delay | Per hour (max 12 hours) |
EUR |
60 | 4 hours |
Documents replacement | Per event |
EUR |
400 | Not applicable |
Personal liability | Per event |
EUR |
50,000 | Not applicable |
Insurance services | Emergency evacuation & repatriation expenses |
---|---|
Refund limit applies | Per event |
Currency | EUR |
Refund maximum limit | 50,000 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | 100 |
Insurance services | Emergency medical expenses |
Refund limit applies | Per event |
Currency |
EUR |
Refund maximum limit |
50,000 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | 100 |
Insurance services | Personal accident full trip (Accidental death & disability) |
Refund limit applies | Per event |
Currency |
EUR |
Refund maximum limit |
50,000 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person |
Not applicable |
Insurance services | Hospital daily benefit |
Refund limit applies | Per day (max 30 days) |
Currency |
EUR |
Refund maximum limit | 50 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | 48 hours |
Insurance services | Loss of baggage |
Refund limit applies | Per event |
Currency |
EUR |
Refund maximum limit | 1,200 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | 50 |
Insurance services | Loss of money |
Refund limit applies |
Per event |
Currency |
EUR |
Refund maximum limit | 800 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | 50 |
Insurance services | Trip cancellation |
Refund limit applies |
Per event |
Currency |
EUR |
Refund maximum limit | 2,000 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person |
Not applicable |
Insurance services | Missed departure |
Refund limit applies |
Per event |
Currency |
EUR |
Refund maximum limit | 2,000 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person |
Not applicable |
Insurance services | Travel delay |
Refund limit applies | Per hour (max 12 hours) |
Currency |
EUR |
Refund maximum limit | 60 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | 4 hours |
Insurance services | Baggage delay |
Refund limit applies |
Per hour (max 12 hours) |
Currency |
EUR |
Refund maximum limit | 60 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | 4 hours |
Insurance services | Documents replacement |
Refund limit applies |
Per event |
Currency |
EUR |
Refund maximum limit | 400 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person | Not applicable |
Insurance services | Personal liability |
Refund limit applies |
Per event |
Currency |
EUR |
Refund maximum limit | 50,000 |
Nonrefundable amount/ nonrefundable period (EUR / HOUR) for each person |
Not applicable |
Mandatory condition: travel insurance is applicable only in case 50% or minimum EUR 300 amount (whichever is less) of the trip cost has been paid by using your Mastercard World Black Edition Card.
For more information:
Security and comfort
Mastercard World Black Edition card guarantees high level of security. Make fast and secure payments via innovative Contactless technology.
Mastercard Airport Experiences gives access to airport VIP lounges in over 1200 airports around the world. As a World Mastercard Black Edition cardholder you receive one free access to VIP lounges on an annual basis.2
Get free International Concierge and order different services, make enquiries, order air-tickets, make bookings both in Armenia and abroad.
To use International Concierge service you need to dial +374 (95) 515 515 or +7 (499) 500 44 46 phone numbers both from Armenia and abroad. After customer verification and taking your inquiry, the operator will call you back to answer your query or solve your issue. Aspire Lifestyles Concierge Service operators speak both Russian and English. The service is also available on WhatsApp, Viber, and Telegram applications with the following contact information:
WhatsApp: +7 (499) 500 44 46
Telegram: @HSBCConcierge_bot
Viber:

Emergency services abroad
Be more confident with your Mastercard World Black Edition card when travelling, even if you have lost your cash or card. Your card will be re-issued within 48 hours, and you will be provided with emergency cash of up to USD 2,000 within 24 hours.
Special offers and discounts
Use exclusive discounts and special treatment in more than 100 sales and service centers in Armenia and in various hotels, restaurants, SPA and shopping centers abroad which are mentioned in Bank’s home&Away site.
Card fees and charges
Card type | Mastercard World Black Edition card |
---|---|
Card currency |
AMD |
Card issuance and monthly service fee |
Free |
Additional Card issuance and service fee3 |
Free |
Annual nominal interest rate of credit line |
18% |
Annual Percentage Rate of credit line4 | 19.56% |
Encashment fee when using Bank's ATMs and POS terminals, along with Ameriabank's ATMs | Free |
Encashment fee when using other ATMs and POS terminals within ArCa system | 1.5% of encashment amount (minimum AMD 500) |
Encashment fee when using other ATMs and POS terminals outside ArCa system |
2.5% of encashment amount (minimum AMD 1,000 from ATMs, minimum AMD 3,000 from POS terminals) |
International Concierge membership service fee | Free |
Mastercard Airport Experiences membership fee | Free |
Fee for usage of Mastercard Airport Experiences in airport lounges5 |
AMD 20,000 per visit |
Travel insurance | Free |
Emergency cash advance fee abroad (up to USD 2,000)6 |
AMD 50,000 |
Card to card money transfer within Bank (via ArCa website www.arca.am) |
0.75% of transfer amount |
From Bank Credit card money transfer to other debit cards within ArCa system (via ArCa website www.arca.am) |
1.5% of transfer amount |
Card reissuance fee | Free |
Additional card reissuance fee | Free |
Card emergency reissuance fee abroad5 |
AMD 75,000 |
Card PIN unblock fee | Free |
Charge slip retrieval | AMD 8,000* |
Dispute of genuine transaction | AMD 15,000 |
Card limit permanent and temporary review | Free |
SMS service | Free |
Monthly Statement Delivery (within Armenia) | Free |
Fee for each copy of card account statement (if earlier than 6 months) |
AMD 3,000* |
Late payment fee | 5% of overdue amount, maximum AMD 20,000 |
Overlimit fee | 10% of overlimit amount, maximum AMD 20,000 |
Maximum cash withdrawals (per day) | 50% of credit limit or AMD 500,000 (whichever is higher) |
Number of cash withdrawals (per day) | Maximum 3 |
Maximum limit for each non-cash transaction | AMD 10,000,000 |
Total number of transactions per day (including cash and non-cash transactions and balance enquiries) | 20 |
Lost card liability, after the customer has informed the Bank |
Up to AMD 25,000 |
Minimum payment due | 10% of closing debit balance (minimum AMD 10,000) |
Credit limit and currency | Minimum AMD 1,000,000 Maximum AMD 10,000,000 |
Grace (interest free) period7 |
Up to maximum 45 days (maximum 15 days from the statement generation date) |
Card type |
Card currency |
---|---|
Mastercard World Black Edition card | AMD |
Card type |
Card issuance and monthly service fee |
Mastercard World Black Edition card | Free |
Card type |
Additional Card issuance and service fee3 |
Mastercard World Black Edition card | Free |
Card type |
Annual nominal interest rate of credit line |
Mastercard World Black Edition card | 18% |
Card type | Annual Percentage Rate of credit line4 |
Mastercard World Black Edition card | 19.56% |
Card type | Encashment fee when using Bank's ATMs and POS terminals, along with Ameriabank's ATMs |
Mastercard World Black Edition card | Free |
Card type | Encashment fee when using other ATMs and POS terminals within ArCa system |
Mastercard World Black Edition card | 1.5% of encashment amount (minimum AMD 500) |
Card type |
Encashment fee when using other ATMs and POS terminals outside ArCa system |
Mastercard World Black Edition card | 2.5% of encashment amount (minimum AMD 1,000 from ATMs, minimum AMD 3,000 from POS terminals) |
Card type | International Concierge membership service fee |
Mastercard World Black Edition card | Free |
Card type | Mastercard Airport Experiences membership fee |
Mastercard World Black Edition card | Free |
Card type |
Fee for usage of Mastercard Airport Experiences in airport lounges5 |
Mastercard World Black Edition card | AMD 20,000 per visit |
Card type | Travel insurance |
Mastercard World Black Edition card | Free |
Card type |
Emergency cash advance fee abroad (up to USD 2,000)6 |
Mastercard World Black Edition card | AMD 50,000 |
Card type |
Card to card money transfer within Bank (via ArCa website www.arca.am) |
Mastercard World Black Edition card | 0.75% of transfer amount |
Card type |
From Bank Credit card money transfer to other debit cards within ArCa system (via ArCa website www.arca.am) |
Mastercard World Black Edition card | 1.5% of transfer amount |
Card type | Card reissuance fee |
Mastercard World Black Edition card | Free |
Card type | Additional card reissuance fee |
Mastercard World Black Edition card | Free |
Card type |
Card emergency reissuance fee abroad5 |
Mastercard World Black Edition card | AMD 75,000 |
Card type | Card PIN unblock fee |
Mastercard World Black Edition card | Free |
Card type | Charge slip retrieval |
Mastercard World Black Edition card | AMD 8,000* |
Card type | Dispute of genuine transaction |
Mastercard World Black Edition card | AMD 15,000 |
Card type | Card limit permanent and temporary review |
Mastercard World Black Edition card | Free |
Card type | SMS service |
Mastercard World Black Edition card | Free |
Card type | Monthly Statement Delivery (within Armenia) |
Mastercard World Black Edition card | Free |
Card type |
Fee for each copy of card account statement (if earlier than 6 months) |
Mastercard World Black Edition card | AMD 3,000* |
Card type | Late payment fee |
Mastercard World Black Edition card |
5% of overdue amount, maximum AMD 20,000 |
Card type | Overlimit fee |
Mastercard World Black Edition card |
10% of overlimit amount, maximum AMD 20,000 |
Card type | Maximum cash withdrawals (per day) |
Mastercard World Black Edition card | 50% of credit limit or AMD 500,000 (whichever is higher) |
Card type | Number of cash withdrawals (per day) |
Mastercard World Black Edition card | Maximum 3 |
Card type | Maximum limit for each non-cash transaction |
Mastercard World Black Edition card | AMD 10,000,000 |
Card type | Total number of transactions per day (including cash and non-cash transactions and balance enquiries) |
Mastercard World Black Edition card | 20 |
Card type |
Lost card liability, after the customer has informed the Bank |
Mastercard World Black Edition card | Up to AMD 25,000 |
Card type | Minimum payment due |
Mastercard World Black Edition card | 10% of closing debit balance (minimum AMD 10,000) |
Card type | Credit limit and currency |
Mastercard World Black Edition card |
Minimum AMD 1,000,000 Maximum AMD 10,000,000 |
Card type |
Grace (interest free) period7 |
Mastercard World Black Edition card | Up to maximum 45 days (maximum 15 days from the statement generation date) |
Important notes and general terms
- No interest is calculated against the credit balance of card account
- Cardholder's minimum age should be 18, maximum age 65
- Cards are valid for three years period. Cards are subject to renewal upon bank's discretion
- From time to time the Bank may review the Card nominal rates in order to reflect market trends
- The decision to issue a credit card is made and the card is delivered to the address specified by the customer, during 10 working days after the presentation of all necessary documents
- All tariffs and charges related to STATUS products and services offered by HSBC Bank Armenia are subject to amendments and modifications with reasonable notice
1Travel Insurance is provided by "INGO Armenia" ICJSC, so the terms and conditions of "INGO Armenia" ICJSC apply. Package of insured risks include: medical expenses (including dental) in case of accident or sudden illness abroad; transportation to a medical institution; repatriation (including post mortem) of the insured person.
Insurance claims have to be submitted to "INGO Armenia" ICJSC.
2 Additional cardholder does not have free access.
3 Additional card’s tariffs are regulated with main card tariffs.
4 For more information about Annual Percentage Rate please refer to our website at www.hsbc.am or see "Card Products Tariffs and Other Conditions" booklet.
5 Mastercard Airport Experiences service considers 1 free entrance for main cardholder to more than 1200 airport Mastercard Airport Experiences VIP lounges worldwide during calendar year from 01 January till 31 December inclusive. Unutilized free of charge access during the calendar year not transferred to next year. If main cardholder utilizes 1 free access, then all consecutive entrances are available after appropriate payment. Before visiting airport lounges, please familiarize with applicable terms and conditions, as well as other details by visiting https://airport.mastercard.com/.
6 For emergency cash advance within 24 hours and emergency card replacement within 48 hours outside of Armenia, please call +374 60 655 000 Bank call center.
7 Grace period is applicable in case of non-cash transactions and if the payment of the whole statement Closing Balance is received by the bank on or before the Payment Due Date. Depending on the day of month when the transaction has been posted to card account, duration of the grace period may vary. Annual nominal fixed interest rate is calculated after moment of making encashment from credit by daily basis on utilized amount.
ArCa Classic Card issuance and service | Free |
---|---|
Mastercard Standard Card issuance and service | Free |
Mastercard Gold Card issuance and service | Free |
Mastercard Platinum Card issuance and service | Free |
Mastercard World Black Edition Card issuance and service | Free |
ArCa Classic Card issuance and service | Mastercard Standard Card issuance and service |
---|---|
Free | Free |
ArCa Classic Card issuance and service | Mastercard Gold Card issuance and service |
Free | Free |
ArCa Classic Card issuance and service | Mastercard Platinum Card issuance and service |
Free | Free |
ArCa Classic Card issuance and service | Mastercard World Black Edition Card issuance and service |
Free | Free |
* Including additional card provision and service.
Cash transactions/operations
Cash deposit in branches | Free |
---|---|
Cash deposit through ATM1 |
Free |
Cash withdrawal of funds deposited in cash in AMD, USD, EUR |
Free |
Cash withdrawal of non cash funds in USD/EUR2 | 0.75% |
Cash withdrawal of funds deposited in non-cash in AMD (daily)3 | Up to AMD 3,000,000 – free of charge 0.2% minimum AMD 1,000 on amounts exceeding AMD 3,000,000 |
Cash withdrawal of funds deposited in cash/non-cash in other currencies4 | 3% |
Cash deposit in branches |
Cash deposit through ATM1 |
---|---|
Free | Free |
Cash deposit in branches |
Cash withdrawal of funds deposited in cash in AMD, USD, EUR |
Free | Free |
Cash deposit in branches | Cash withdrawal of non cash funds in USD/EUR2 |
Free | 0.75% |
Cash deposit in branches | Cash withdrawal of funds deposited in non-cash in AMD (daily)3 |
Free |
Up to AMD 3,000,000 – free of charge 0.2% minimum AMD 1,000 on amounts exceeding AMD 3,000,000 |
Cash deposit in branches | Cash withdrawal of funds deposited in cash/non-cash in other currencies4 |
Free | 3% |
1Maximum daily limit of cash withdraw is AMD 1 million to each of the accounts linked to ATM card. The service is available if ATM has cash deposit opportunity.
2Applicable on the loan encashment, not applicable for withdrawal of funds converted through FX transactions (including conversions made before 18 August 2023), and interest paid on deposits. Funds placed as time deposit with a term 91 days and more and not terminated before due date (or funds placed as a time deposit for a shorter tenor but rolled over/stayed for 91 days and more till maturity) are considered as cash.
3Not applicable for withdrawal of funds converted through FX transactions (including conversions made before 18 August 2023), interest paid on deposits and loan encashment. Funds placed as time deposit with a term 91 days and more and not terminated before due date (or funds placed as a time deposit for a shorter tenor but rolled over/stayed for 91 days and more till maturity) are considered as cash.
4Applicable on the exchanged amount (including conversions made before 18 August 2023) as well as loan encashment.
Express banking
Sign up | Free |
---|---|
Maintenance fee | Free |
Other banking services | As per Tariff of charges |
Sign up | Maintenance fee |
---|---|
Free | Free |
Sign up | Other banking services |
Free | As per Tariff of charges |
Important note: The Bank may terminate the agreement on processing of instructions submitted via Telephone banking (Phone Banking) signed between the Bank and the customer in case if no transaction is done via Phone Banking during the last 12 months.
Internet banking sign up | Free |
---|---|
Internet banking maintenance | Free |
Mobile banking sign up | Free |
Mobile banking maintenance | Free |
Online security device replacement | Free |
Internet banking sign up | Internet banking maintenance |
---|---|
Free |
Free |
Internet banking sign up | Mobile banking sign up |
Free |
Free |
Internet banking sign up | Mobile banking maintenance |
Free |
Free |
Internet banking sign up | Online security device replacement |
Free |
Free |
Money transfers
Being a member of SWIFT global electronic payments network, we offer transfers in Armenian drams and all major currencies: USD, EUR, GBP, RUB, CHF, AUD, AED, HKD, JPY and CAD.
Transfers in Armenian drams (within Armenia)1
Transfers from account2 | Free |
---|---|
Credit of received funds to account | Free |
Transfers from account2 | Credit of received funds to account |
---|---|
Free | Free |
Transfers / Demand drafts in foreign currencies
Outward remittance (USD, EUR, GBP, RUB, CHF, AUD, AED, HKD, JPY, CAD) |
0.1% |
---|---|
Issuance of demand draft (USD, EUR, GBP, RUB, CHF, AUD, AED, HKD, JPY, CAD) |
0.1% |
Credit of inward remittance amounts | Free |
Outward remittance (USD, EUR, GBP, RUB, CHF, AUD, AED, HKD, JPY, CAD) |
Issuance of demand draft (USD, EUR, GBP, RUB, CHF, AUD, AED, HKD, JPY, CAD) |
---|---|
0.1% | 0.1% |
Outward remittance (USD, EUR, GBP, RUB, CHF, AUD, AED, HKD, JPY, CAD) |
Credit of inward remittance amounts |
0.1% | Free |
Other conditions
Transfers between accounts held at the Bank | Free |
---|---|
Amendment/cancellation to payment instruction | Free |
Payment investigation fee (can be charged irrespective of the outcome of the conducted investigation) | AMD 20,000 |
Transfers between accounts held at the Bank | Amendment/cancellation to payment instruction |
---|---|
Free | Free |
Transfers between accounts held at the Bank | Payment investigation fee (can be charged irrespective of the outcome of the conducted investigation) |
Free | AMD 20,000 |
Important notes:
Minimum commission for any foreign currency outward remittance or Demand Draft issuance: AMD 6,000.
The bank is not liable for any refund if payment has already been effected to the beneficiary.
Intermediary/beneficiary bank(s) charges may be paid either at the expense of beneficiary or remitter, at customers’ decision and with the prior consent of the bank.
Commissions if intermediary/beneficiary bank charges are paid by the remitter, for the beneficiary to receive the amount without any additional charges:
- Outward remittances in USD to any bank located in the United States: AMD 5,000.
- Outward payments in other foreign currencies: AMD 5,0003
Commission for outward payments in USD to any bank located outside the United States, where the remitter pays only the first intermediary bank charges and the beneficiary receives the amount after charges applied by other intermediary/beneficiary banks: AMD 5,000.
1In case of AMD transfers within Armenia, if the transferred amount contains luma, the amount will be rounded up to the decimal point according to standard rounding rule.
2If the payment instruction (for amounts of up to AMD 25 million or equivalent foreign currency) is submitted to the Bank not later than 15:00 will be processed same day.
3If the actual charge amount is above equivalent of AMD 20,000 the difference between already paid commission and actual charge is subject to further debiting from remitter's account.
Cheques/Chequebooks1
Issuing chequebook | Free |
---|---|
Placement/removal of ‘Stop Payment’ instruction | Free |
Return of cheque due to insufficient funds | Free |
Deposit of each cheque and demand draft into the account | Free2 |
Returned unpaid cheque charge | AMD 10,000 plus intermediary/returning bank charges |
Issuing chequebook | Placement/removal of ‘Stop Payment’ instruction |
---|---|
Free | Free |
Issuing chequebook | Return of cheque due to insufficient funds |
Free | Free |
Issuing chequebook | Deposit of each cheque and demand draft into the account |
Free | Free2 |
Issuing chequebook | Returned unpaid cheque charge |
Free | AMD 10,000 plus intermediary/returning bank charges |
Safe deposit lockers
Safe Deposit Lockers are available for rental on either a monthly or an annual basis For HSBC STATUS customers only who are Bank account holders minimum 12 months.
Locker size | For term of up to one year2 | For term of up to one month2 |
---|---|---|
Extra large | AMD 200,000 | AMD 50,000 |
Large | AMD 120,000 |
AMD 30,000 |
Medium | AMD 90,000 |
AMD 30,000 |
Small | AMD 50,000 |
AMD 15,000 |
Locker size | Extra large |
---|---|
For term of up to one year2 | AMD 200,000 |
For term of up to one month2 |
AMD 50,000 |
Locker size | Large |
For term of up to one year2 |
AMD 120,000 |
For term of up to one month2 |
AMD 30,000 |
Locker size | Medium |
For term of up to one year2 |
AMD 90,000 |
For term of up to one month2 |
AMD 30,000 |
Locker size | Small |
For term of up to one year2 |
AMD 50,000 |
For term of up to one month2 |
AMD 15,000 |
Safe deposit lockers each additional visit access fee in case of more than 2 visits per week | AMD 10,0002 |
---|---|
Access to safe deposit box with Bank’s copy, in case if customer does not have own key | AMD 5,0002 |
Recovery of lost key | AMD 15,0002 |
Safe deposit lockers each additional visit access fee in case of more than 2 visits per week | Access to safe deposit box with Bank’s copy, in case if customer does not have own key |
---|---|
AMD 10,0002 | AMD 5,0002 |
Safe deposit lockers each additional visit access fee in case of more than 2 visits per week | Recovery of lost key |
AMD 10,0002 | AMD 15,0002 |
Issuance of bank account statements / other documentation
Bank account statements/other documentation delivery
By courier within Armenia (monthly) | Free |
---|---|
By courier outside Armenia via standard mail only (monthly) | AMD 25,0001, 5 |
By e-mail (monthly, weekly, daily) | Free |
By Internet Banking (monthly, weekly, daily) | Free2 |
Collection from branches (monthly, weekly, daily) | Free |
By courier within Armenia (monthly) | By courier outside Armenia via standard mail only (monthly) |
---|---|
Free | AMD 25,0001, 5 |
By courier within Armenia (monthly) | By e-mail (monthly, weekly, daily) |
Free | Free |
By courier within Armenia (monthly) | By Internet Banking (monthly, weekly, daily) |
Free | Free2 |
By courier within Armenia (monthly) | Collection from branches (monthly, weekly, daily) |
Free | Free |
Other services
Power of attorney issuance | Free |
---|---|
Balance confirmation3/ bank account advices | Free |
For each copy of bank account statement/ transaction history /transaction confirmation advice (if earlier than 6 months) | AMD 3,0004, 5 |
Power of attorney issuance | Balance confirmation3/ bank account advices |
---|---|
Free | Free |
Power of attorney issuance | For each copy of bank account statement/ transaction history /transaction confirmation advice (if earlier than 6 months) |
Free | AMD 3,0004, 5 |
1Any foreign exchange transactions will be conducted at the Bank's exchange rate.
2For customers using Internet Banking services.
3Balance confirmations will be presented as of the date and time of confirmation request receipt
4If requested via Internet/Mobile or Phone Banking services, reduced charge of AMD 1,000 will be applied for each copy. Documents will be sent to the branch of your choice within 3-5 working days after receipt of the request.
Preferential terms for term deposits and loans
As a STATUS customer enjoy preferential terms for number of other products and services.
Term deposits (excluding Cumulative term deposits)
- + 0.5% for term deposits in AMD
- + 0.25% for term deposits in USD
Service/Product | Preferential terms for HSBC Status customers | Details |
---|---|---|
Property purchase loans (in AMD and USD) | -0.5% loan provision fee | Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 200,000 |
Property purchase loans (in AMD) | -0.5% | Loans in AMD are provided with 0.5% lower than standard annual nominal interest rate – 12.5% (instead of standard 13%) Annual percentage rate - 13.48% - 16.10% |
Property purchase loans (in USD) | -1% | Loans in USD are provided with 1% lower than standard annual nominal interest rate - 9% (instead of standard 10%) Annual percentage rate - 9.64% - 12.46% |
Property renovation loan (in AMD and USD) | -0.5% loan provision fee | Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 100,000 |
Property renovation loan (in AMD) | -0.5% | Loans in AMD are provided with 0.5% lower than standard annual nominal interest rate – 12.5% (instead of standard 13%) Annual percentage rate - 13.63% - 16.97% |
Property renovation loan (in USD) | -1% | Loans in USD are provided with 1% lower than standard annual nominal interest rate - 9% (instead of standard 10%) Annual percentage rate - 9.80% - 13.54% |
Car loan | -0.5% loan provision fee | Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 100,000 |
Car loan | -1% | Loan is provided with 1% lower than standard annual nominal interest rate - 15% (instead of standard 16%) Annual percentage rate - starting from 23.29% |
Personal instalment loan | -1% loan provision fee |
Loan provision fee is 1% (instead of standard 2%), maximum AMD 20,000 |
Personal instalment loan | -1%1 |
Loan is provided with 1% lower than standard annual nominal interest rate - 16% (instead of standard 17%)4 Annual percentage rate - 17.27% - 19.60% |
Personal instalment loan | Higher loan amount | Higher than standard maximum loan amount: AMD 15,000,000 (instead of standard AMD 3,000,000) |
Property secured personal instalment loan (in AMD and USD) | -0.5% loan provision fee | Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 100,000 |
Service/Product | Property purchase loans (in AMD and USD) |
---|---|
Preferential terms for HSBC Status customers | -0.5% loan provision fee |
Details |
Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 200,000 |
Service/Product | Property purchase loans (in AMD) |
Preferential terms for HSBC Status customers | -0.5% |
Details |
Loans in AMD are provided with 0.5% lower than standard annual nominal interest rate – 12.5% (instead of standard 13%) Annual percentage rate - 13.48% - 16.10% |
Service/Product | Property purchase loans (in USD) |
Preferential terms for HSBC Status customers | -1% |
Details |
Loans in USD are provided with 1% lower than standard annual nominal interest rate - 9% (instead of standard 10%) Annual percentage rate - 9.64% - 12.46% |
Service/Product | Property renovation loan (in AMD and USD) |
Preferential terms for HSBC Status customers | -0.5% loan provision fee |
Details | Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 100,000 |
Service/Product | Property renovation loan (in AMD) |
Preferential terms for HSBC Status customers | -0.5% |
Details |
Loans in AMD are provided with 0.5% lower than standard annual nominal interest rate – 12.5% (instead of standard 13%) Annual percentage rate - 13.63% - 16.97% |
Service/Product | Property renovation loan (in USD) |
Preferential terms for HSBC Status customers | -1% |
Details |
Loans in USD are provided with 1% lower than standard annual nominal interest rate - 9% (instead of standard 10%) Annual percentage rate - 9.80% - 13.54% |
Service/Product | Car loan |
Preferential terms for HSBC Status customers | -0.5% loan provision fee |
Details |
Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 100,000 |
Service/Product | Car loan |
Preferential terms for HSBC Status customers | -1% |
Details |
Loan is provided with 1% lower than standard annual nominal interest rate - 15% (instead of standard 16%) Annual percentage rate - starting from 23.29% |
Service/Product | Personal instalment loan |
Preferential terms for HSBC Status customers |
-1% loan provision fee |
Details | Loan provision fee is 1% (instead of standard 2%), maximum AMD 20,000 |
Service/Product | Personal instalment loan |
Preferential terms for HSBC Status customers |
-1%1 |
Details |
Loan is provided with 1% lower than standard annual nominal interest rate - 16% (instead of standard 17%)4 Annual percentage rate - 17.27% - 19.60% |
Service/Product | Personal instalment loan |
Preferential terms for HSBC Status customers | Higher loan amount |
Details |
Higher than standard maximum loan amount: AMD 15,000,000 (instead of standard AMD 3,000,000) |
Service/Product | Property secured personal instalment loan (in AMD and USD) |
Preferential terms for HSBC Status customers | -0.5% loan provision fee |
Details | Loan provision fee is 0.5% (instead of standard 1%), maximum AMD 100,000 |
Insurance services
In 0.02 percentage point lower than standard interest rate
Preferential rate is applied only if property is purchased with loans provided by HSBC Bank Armenia.
Insurance can be done either by full market value of the property or by loan amount upon borrower's discretion. If the property is insured for part of its value insurance compensation will be paid in the same proportion ratio of the sum insured and the property's full market value.
Important note: Loan interest amount is being calculated based on the annual nominal interest rate, whereas the annual percentage rate or APR indicates how much would loan cost to borrower in case of repayment of interest amount and other payments under the defined timeline and terms.
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Last updated on: 23.08.23, 09:54