Via the AMIO Mobile app<ol><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e78fc959579d67afb274d608c3a5c8443">Log in to the AMIO Mobile app.</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e553b7ba699b7090202c2b854afa67aeb">Open the page of the card you wish to activate.</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="ec60fbf6c390429900fbfe1a6488f467a">Tap the "Activate" button on the card image.</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e16d7522389c0488c7d092378f52e9ac9">Create a 4-digit PIN (we recommend avoiding consecutive or repeated digits).</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e072a903e992a01883a6fef4ffff481f3">Re-enter the 4-digit PIN to confirm it.</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e49159f6aeff15b2a256206cfc9115f9d">Confirm the action using your selected security method (Face ID, Touch ID, PIN, or a one-time passcode (OTP)).</li></ol>After activating your card via AMIO Mobile, you must use the physical card at least once (for example, by checking your balance at an ATM or making a chip-and-PIN purchase) to enable the contactless payment functionality.Download the <a href="https://bit.ly/m/amiobank?fbclid=PAVERFWATOlgBwZG9mAmV4dG4DYWVtAjEwAHNydGMGYXBwX2lkDzEyNDAyNDU3NDI4NzQxNAABp7Yc9w85jXx2MdJs4FC6el61SYo6GOE-Lb1e2jmBsr-6HTABVp60wEhHNUR__aem_Zsl4YuttY6KnU4kmJ1ynLA">AMIO Mobile app</a>.Via an ATM<ol><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e39d5cadac956a0b5a17e792fcf83eb78">Insert the card into the ATM using the chip (not contactless).</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e15713a6e529ff1fbb74e579b73a0b15f">Select the "Card Activation" option on the ATM screen.</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="eeeb3966fe8643bf004ceeaefbd237cd2">A one-time passcode (OTP) will be automatically sent to the mobile phone number registered with AMIO Bank.</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e14099d229f3994cac6c72aa3cba6a23d">Enter the one-time passcode and confirm.</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e6db8f7a13e9e199d9f2cbd2efd484fc1">Create a 4-digit PIN (we recommend avoiding consecutive or repeated digits).</li><li class="ck-list-marker-font-size ck-list-marker-color" style="--ck-content-list-marker-color:#333333;--ck-content-list-marker-font-size:14px;" data-list-item-id="e10e6494eca18858733618786b61382f9">Re-enter the 4-digit PIN to confirm it.</li></ol>Card activation is available at AMIO Bank ATMs only.

Card Activation Guide

Become an Amio Pro or Exclusive package customer and discover the exclusive benefits offered by Visa premium cards.As part of the current Visa promotion, link the premium cards provided within the Amio Pro and Exclusive packages - Visa Platinum and Visa Infinite, as well as the Visa Signature card - to the gg app and receive special discounts:<ul><li data-list-item-id="e84ab29228a99f203e4237464a0f93a93">10% discount on the gg Special tariff (in Yerevan, Gyumri, Vanadzor, and Kapan).</li><li data-list-item-id="eb04e89672c79ff7fb73f77e201d1fe88">AMD 1,000 discount when traveling to Zvartnots and Shirak airports.</li></ul>Why choose Amio Visa premium cards?The discount is applied automatically at the time of payment with your Visa card. All you need to do is enjoy the convenience until September 30, 2026.Details of the Visa offer are available <a href="https://cis.visa.com/">here</a>.Not an Amio Pro or Exclusive package customer yet? Join us and enjoy numerous benefits.Learn more <a href="https://amiobank.am/en/packages">here</a>.*AMIO Pro Package – No package subscription or joining fee is charged if, during the last 3 months, 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 amount in foreign currency. Otherwise, a AMD 5,700 package joining fee applies, followed by a AMD 5,700 quarterly service fee.AMIO Exclusive Package – No package subscription or joining fee is charged if, during the last 3 months, 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 amount in foreign currency. Otherwise, a AMD 20,700 package joining fee applies, followed by a AMD 20,700 quarterly service fee.When joining the AMIO Pro or Exclusive packages, the customer must not have any overdue obligations towards the Bank.

Ride smarter with Amio bank and Visa - enjoy exclusive discounts in the gg app

By becoming an Amio Pro or Exclusive package customer, you get access to numerous benefits that are continuously expanding. Becoming a Pro or Exclusive package customer also means receiving a free Amio Mastercard World or Mastercard World Elite card, making your trips to and from the airport not only more convenient but also more beneficial.As a part of the campaign conducted by Mastercard, pay with your Amio Mastercard World Elite card on Yandex Go when traveling to and from the airport with Comfort and higher fare categories and get a 50% discount.Pay with your Amio Mastercard World card on Yandex Go and get a 30% discount when traveling to or from the airport with Comfort and higher fare categories.Discount details:<ul><li data-list-item-id="e426f3e1d5fbefdb20fe284a1ea59b904">The maximum discount amount per transaction is 3,000 AMD.</li><li data-list-item-id="e11978812ca5399b7d80ecd6c235d97b2">Each cardholder can use the offer up to 2 times per month.</li><li data-list-item-id="ed7dc5e3baa7fe305f61d1433e65f098c">The offer is valid until and including October 9, 2026.</li></ul>Don’t miss the opportunity to travel comfortably and benefit from special offers! Simply add your Amio Mastercard card to the Yandex Go app and pay in a more advantageous way.More details are available <a href="https://mastercard-benefits.com/">here</a>.Become an Amio Pro or Exclusive package customer and enjoy numerous benefits.*Amio Pro - no joining or service fee is charged if, during the previous 3 months, the average monthly incoming turnover is at least 600,000 AMD or the average daily account balance is at least 15 million AMD or the equivalent in foreign currency. Otherwise, a package joining fee of 5,700 AMD applies, followed by a quarterly service fee of 5,700 AMD.Amio Exclusive - no joining or service fee is charged if, during the previous 3 months, the average monthly incoming turnover is at least 1,500,000 AMD or the average daily account balance is at least 30 million AMD or the equivalent in foreign currency. Otherwise, a package joining fee of 20,700 AMD applies, followed by a quarterly service fee of 20,700 AMD.When joining the Amio Pro or Exclusive package, the customer must not have any overdue obligations to the Bank.Learn more about becoming an Amio Pro or Exclusive customer by following the <a href="https://amiobank.am/en/packages">link</a>.

Become an Amio Pro or Exclusive package customer with Mastercard and enjoy numerous exclusive benefits

Join Amio packages, get your Mastercard, and be ready to transform not only your daily routine but also your fitness level. In partnership with Guru Yoga Studio and GoFit, Mastercard offers exclusive benefits to all cardholders. Pay with Mastercard at Guru Yoga Studio and get:<ul><li data-list-item-id="e98c89aa4b018b817e452287ece5717fa">1 free class when purchasing a package of 10 classes.</li><li data-list-item-id="ee3c293a1f0ab01b3a30281e295aba277">10% discount when purchasing an Unlimited Membership package. Pay with Mastercard at GoFit and receive a special gift package:</li><li data-list-item-id="eacb940d4f24cd16fa4b6256df3f707f2">1 personal training session with a coach.</li><li data-list-item-id="e7415f910866929f8adb33f1f4b752725">1-week nutrition plan.</li><li data-list-item-id="e540a7163f8d583f657845b73bf5076c9">A trial fitness class. Thus, with one simple step, you get both a modern and convenient payment solution and access to the world of sports and wellness on favorable terms. Your next “Monday” can start today. Don’t put it off. Download the AMIO Mobile app, activate your <a href="https://amiobank.am/en/packages">package</a>, get your digital Mastercard, and start your fitness journey. Take advantage of these special offers until October 6, 2026. *Active Package - No service fee is charged if the average monthly incoming turnover during the previous 3 months is at least 150,000 AMD or the equivalent amount in foreign currency; otherwise, a quarterly fee of 1,500 AMD applies. Pro Package - No activation/service fee is charged if the average monthly incoming turnover during the previous 3 months is at least 600,000 AMD, or if the average daily account balance is at least 15 million AMD or the equivalent amount in foreign currency. Otherwise, an activation fee of 5,700 AMD applies, followed by a quarterly service fee of 5,700 AMD. Exclusive Package - No activation/service fee is charged if the average monthly incoming turnover during the previous 3 months is at least 1,500,000 AMD, or if the average daily account balance is at least 30 million AMD or the equivalent amount in foreign currency. Otherwise, an activation fee of 20,700 AMD applies, followed by a quarterly service fee of 20,700 AMD. For Pro and Exclusive packages, the customer must not have any overdue obligations to the Bank. &nbsp;</li></ul>

AMIO Packages: get your Mastercard and work out with exclusive benefits*

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.