Amio Bank has launched the placement of a new tranche of its registered, non-convertible, coupon-bearing AMD-denominated bonds issued through a public offering, providing investors with a profitable and reliable investment instrument.Issue terms:<ul><li data-list-item-id="ee899c0e87a61e32049b33f4031256699">Issue volume: AMD 3 billion</li><li data-list-item-id="e13beb98d131860a735e59a0fa6781c10">Number of bonds: 30,000</li><li data-list-item-id="e9b68bc43ceb0894f46816e674b16df35">Face value: AMD 100,000</li><li data-list-item-id="ef4d16a4d84bb661972557573b4d78623">Coupon yield: 9.75%</li><li data-list-item-id="e57ee2f1a2f1e4812f3bc9d3893f40028">Coupon payment frequency: quarterly</li><li data-list-item-id="ece4e40bff3ba4aa0fda5d19c10fe43c2">Maturity: 24 months</li></ul>The bond placement will continue until August 31, 2026, after which the bonds will be listed on the Armenia Stock Exchange (AMX).The bonds can also be purchased through the AMIO Mobile application, where investors can track their investments and view the full bond description.Download the app <a href="https://bit.ly/m/amiobank">here</a>.We would like to remind you that:<ul><li data-list-item-id="e7d2aee84c65581ba55ff8640e2c18e60">According to the current tax legislation of the Republic of Armenia, coupon income from bonds is exempt from income tax until December 31, 2027 (inclusive).</li><li data-list-item-id="e7282560770a8e59e2889653a3e93d6b0">Bonds are reliable financial instruments and are guaranteed by the “Deposit Guarantee Fund of Armenia” under the same principles as bank deposits.</li></ul>The bond program prospectus was registered by the Decision No. 1/289A of the Governor of the Central Bank of the Republic of Armenia dated 13.08.2025.You can find prospectus and its supplements <a href="https://amiobank.am/en/all-services/bonds">here</a>, or obtain it at any branch of the Bank.

New investment opportunity: Amio bank is issuing AMD-denominated bonds

Amio bank packages offer a wide range of benefits. By subscribing to a package, you will also receive a free Mastercard and gain access to continuously updated offers designed to make your life more convenient.As part of Mastercard's promotional campaign, when you pay with your Amio bank Mastercard for Comfort and Comfort+ category rides, you will receive a 10% discount.Promotion details:<ul><li data-list-item-id="ec05619e46d176de7877aad0f5cb3514a">Maximum discount: AMD 3,000 per transaction</li><li data-list-item-id="eb438be1f55f5d73485762dd8c16a5a66">Each cardholder can benefit from the offer up to 2 times</li><li data-list-item-id="eab052fd152c86c542ecc302516f7ad2a">Promotion valid through June 30, inclusive.</li></ul>Don't miss the opportunity to enjoy comfortable rides! Simply link your Amio Mastercard to the Yandex Go app and pay the smart way.Learn more <a href="https://mastercard-benefits.com/">here</a>.Get an Amio package and enjoy a wide range of benefits.Active Package: No maintenance fee is charged if the average monthly incoming turnover during the previous three months is at least AMD 150,000 or the equivalent in foreign currency. Otherwise, a quarterly fee of AMD 1,500 applies.Pro Package: No subscription or maintenance fee is charged if, during the previous three months, either the average monthly incoming turnover is at least AMD 600,000 or the average daily account balance is at least AMD 15 million or the equivalent in foreign currency. Otherwise, a package subscription fee of AMD 5,700 applies, followed by a quarterly maintenance fee of AMD 5,700.Exclusive Package: No subscription or maintenance fee is charged if, during the previous three months, either the average monthly incoming turnover is at least AMD 1,500,000 or the average daily account balance is at least AMD 30 million or the equivalent in foreign currency. Otherwise, a package subscription fee of AMD 20,700 applies, followed by a quarterly maintenance fee of AMD 20,700.For the Pro and Exclusive Packages, the customer must not have any overdue obligations to the Bank.Learn more about Amio Bank packages by following the <a href="https://amiobank.am/en/packages">link</a>.

Don't have an Amio Package yet?* Join an Amio Package, get a free Mastercard, and enjoy 10% off on Yandex Go rides

Summer is the perfect time to take a pause from your daily routine, travel, and create new memories.If you have travel plans and a dream destination in mind but need financial support, you can solve that issue in just a few minutes with AMIO Mobile. &nbsp;Through the AMIO Mobile app, you can get an unsecured consumer loan online without visiting a bank. You can apply for the loan yourself in just a few simple steps. The loan application is completed entirely online, the decision is made instantly, and the funds become available in your account immediately.Key Loan Terms:<ul><li class="ck-list-marker-color" style="--ck-content-list-marker-color:#000000;" data-list-item-id="e8e28bba8a62a06bfb7dcaa3eaa946fa9">Annual nominal interest rate: 16%-21% (effective annual interest rate: 17.23%-23.25%)</li><li class="ck-list-marker-color" style="--ck-content-list-marker-color:#000000;" data-list-item-id="e0a16d49c0613c7cccc6b4aa3f4932ca2">Loan amount: AMD 100,000-15,000,000</li><li class="ck-list-marker-color" style="--ck-content-list-marker-color:#000000;" data-list-item-id="e6ac169f649a0919e8553b6c06efc406b">Loan term: 12-60 months</li></ul>Online loans are also available to individuals who are not yet AMIO Bank customers. Becoming an AMIO customer is entirely online - simply download the AMIO Mobile app from the <a href="https://apps.apple.com/am/app/amio-mobile/id1209958491">App Store</a> or <a href="https://play.google.com/store/apps/details?id=am.armbusinessbank.mobilebank&amp;pli=1">Google Play</a>.Learn more about the online loan details<a href="https://amiobank.am/en/loans/consumer-loans"> here։</a>

 Summer doesn’t wait: AMIO Mobile’s online loan for your plans

Dear customers, We remind you that, in accordance with the notification dated December 8, 2025, servicing of Arca cards issued by Amio bank will be discontinued starting from June 30, 2026. We inform you that, in order to avoid inconvenience, you may reissue your card free of charge by choosing either a Visa Classic or Mastercard Standard card. At the same time, we remind you that you can open digital cards free of charge via the AMIO Mobile application. Download the AMIO Mobile app: <a href="https://apps.apple.com/am/app/amio-mobile/id1209958491">App Store</a> |<a href="https://play.google.com/store/apps/details?id=am.armbusinessbank.mobilebank&amp;pli=1"> Google Play</a>

Notice

News

Visiting a bank for a loan is no longer a must. Via AMIO Mobile app, you can apply for and receive an online loan by yourself in just a few minutes.

Online loan terms:
- Competitive annual nominal interest rate: 15%-18% (annual effective rate: 16.08%-19.8%)
- No service fees
- High credit limit: up to AMD 15,000,000
- Minimum amount: AMD 100,000
- Term: 12-60 months
- Fast and convenient process: the loan application is completed entirely online, the decision is made instantly, and the funds are immediately available in your account.

Online loans are also available to those who are not yet customers of Amio bank. You can become an Amio customer entirely online by simply downloading the AMIO Mobile app from the App Store or Google Play 

Learn more [here](https://amiobank.am/loans/consumer-loans):

Email: info@amiobank.am

Tel.: +374 10 59 20 20


 Online loan in just a few minutes

When loans start piling up, payment dates get confusing, and interest keeps rising, it’s time to choose the simplest solution. Amio bank offers one loan instead of several, helping you pay less interest and free yourself from financial stress.

The bank provides refinancing for consumer loans with or without collateral as well as mortgage loans.

Explore the terms of all refinancing options, find the one that fits you best, leave your contact details, and our team will get in touch to offer the best solution.

**Mortgage refinancing**

Start with a clean slate — transfer your mortgage to Amio bank and breathe easier. Transfer today and enjoy a 1.5% lower interest rate, with an annual effective rate from 13.24% to 16.56%.

- All collateral-related costs are covered by the bank — no application or service fees.
- No income verification, insurance, or servicing fees required.
- Credit line of up to AMD 8,000,000 for personal needs (for example, home renovation).

In addition, you can extend the loan term for up to 36 months, reducing the amount of your monthly payments.

**Refinancing an unsecured consumer loan**

Start with a clean slate — refinance your unsecured consumer loan with Amio bank and make your payments easier to manage.

Get a response in 2–5 minutes and start enjoying the benefits.

- From a lower interest rate,
- Reduced monthly payments,
- And the option to extend the loan term.

Refinancing is available to individuals with registered income without an income analysis.

**Secured loan refinancing**

Start with a clean slate by transferring your existing secured loan to Amio Bank and repay it on better terms.

- Get up to a 1.5% reduction on your current loan interest rate,
- Longer repayment terms,
- And significantly lower monthly payments.

Additionally, you’ll have the opportunity to receive an amount higher than the remaining balance of your current loan.

The bank will cover notary, cadastral, and other related expenses.

Leave your contact details[ here](https://bit.ly/m/amio-refinancing) and wait for a call.

Transfer your loans to Amio, start with a clean slate

How much money do you need to achieve your goals? Amio Bank will provide it on favorable terms.

_Are you interested? Order a call for more details and our specialists will reach out to you. Likewise you can simply visit any Amio Bank branch._

[![eng-fin.png](https://static.amiobank.am/files/cms/eng_fin_d89ac1019f.png)](https://bit.ly/40mpblc)

Terms of a loan:
- Low interest rate — starting from 13.9%-18% annual nominal interest rate (effective interest rate: 14.8%-19.8%)
- Maximum repayment period: up to 60 months
- Provided within 1 business day
- High loan limit — up to fifteen times your income or up to AMD 15 million
- No processing fees apply
- No processing fees are charged, including for loan application review
- No early repayment penalties apply
- Both the client's primary and secondary incomes are analyzed to provide a higher loan limit
- The interest rate is fixed for the entire loan period
- Applicants must be residents of Armenia and at least 18 years old
- The borrower’s age at the time of repayment must not exceed 65 years
 
Learn more about the other details of the non-collateral consumer loan [here](https://amiobank.am/en/loans/consumer-loans) :
Amio Bank is supervised by the Central Bank of Armenia.


unsecured consumer loan with favorable terms

Unsecured consumer loan with favorable terms

The Bank is supervised by Central Bank of Armenia

In case of any inconsistency between the information published in Russian and English, you need to be guided by Armenian version.
"AMIO BANK" CJSC is not liable for the accuracy of the content of any linked websites, as well as for the advertisements and possible consequences resulted from the use of information provided on the linked websites by the third parties.
Neither is "AMIO BANK" CJSC liable for the accuracy of the content of information linked on the websites of third parties about the terms and fee schedule for the services rendered by the Bank.

© 2026 "AMIO BANK" CJSC
License of the Central Bank of Armenia #40 issued on 10.12.1991
AMIO BANK is the legal successor of ARMBUSINESSBANK.