03 Sept 2025Rating:1.0
Extremely slow working branch, for just one exchange you sit there for hours. They have no respect for clients time.
a k Acba Bank Source: Google
Acba Bank
Information about products and services from Acba Bank
Bank's exchange rates
Last update: 06 Oct, 20:47
Acba Bank
CurrencySell to the bankBuy from the bank
- EUR403413
- RUB4.124.39
- USD360365
Central Bank Rates
All currency exchange ratesCurrency05 Oct06 Oct
- EUR405.3-0.49% 407.19+0.47%
- RUB4.26-1.60% 4.24-0.61%
- USD361.81-0.20% 362.14+0.09%
Best offers
Acba BankAccumulative Time Deposits
Interest rate
1.6%
Term
181-732 days
Amount
from 200€
Acba BankAccumulative Time Deposits
Interest rate
3.35%
Term
181-732 days
Amount
from 200$
Acba BankAccumulative Time Deposits
Interest rate
3.6%
Term
181-732 days
Amount
from 5 000₽
Acba BankAccumulative Time Deposits
Interest rate
8.1%
Term
181-732 days
Amount
from 50 000֏
Acba BankDeposit classic
Interest rate
2.35%
Term
732-1098 days
Amount
from 200€
Acba BankProperty Purchase
Effective rate
13.72% - 17.67%
Rate
13% - 14.5%
Amount
to 500 000 000֏
Down payment
from 10%
Acba BankProperty Purchase
Effective rate
10.52% - 25.19%
Rate
9.5% - 11.5%
Amount
to 1 200 000$
Down payment
from 10%
Acba BankProperty Purchase
Effective rate
9.09% - 23.31%
Rate
8.5% - 10%
Amount
to 1 200 000€
Down payment
from 10%
Effective rate
14.32% - 16.4%
Rate
12.8% - 14.5%
Amount
to 35 000 000֏
Down payment
from 30%
Effective rate
8.02% - 8.51%
Rate
7.5%
Amount
to 27 750 000֏
Down payment
from 7%
State program
Issue:
Free of charge
Maintenance:
65 000֏ / year
Effective rate
13.7% - 18%
Credit limit
to 18 000 000֏
Grace period
No
Issue:
Free of charge
Maintenance:
4 000֏ / month
Effective rate
18%
Credit limit
to 18 000 000֏
Grace period
No
Issue:
Free of charge
Maintenance:
4 500֏ / year
Effective rate
19% - 23.38%
Credit limit
to 6 000 000֏
Grace period
35 days
Issue:
Free of charge
Maintenance:
4 500֏ / year
Effective rate
21.34% - 23.14%
Credit limit
to 6 000 000֏
Grace period
35 days
The card is completely free
Effective rate
18% - 21.5%
Credit limit
to 30 000 000֏
Grace period
No
Issue:
Free of charge
Maintenance:
15 000֏ / year
Cashback
No
Interest on balance
No
Bonuses
Passages to business lounges
Issue:
Free of charge
Maintenance:
18 000֏ / year
Cashback
No
Interest on balance
No
Bonuses
No
Issue:
Free of charge
Maintenance:
18 000֏ / year
Cashback
No
Interest on balance
No
Bonuses
Discount on car rental
Issue:
Free of charge
Maintenance:
4 500֏ / year
Cashback
No
Interest on balance
No
Bonuses
No
Issue:
Free of charge
Maintenance:
15 000֏ / year
Cashback
No
Interest on balance
No
Bonuses
Passages to business lounges
Acba BankOnline consumer loan
Effective rate
20.64% - 23.97%
Amount
to 10 000 000֏
Term
up to 5 years
Acba BankFast consumer loan
Effective rate
16% - 19.46%
Amount
to 10 000 000֏
Term
up to 5 years
Acba BankStudent loans
Effective rate
19.61% - 22.56%
Amount
to 5 000 000֏
Term
up to 5 years
Acba BankOnline consumer loan
Effective rate
20.64% - 23.97%
Amount
to 10 000 000֏
Term
up to 5 years
Information about Acba Bank
General information
Full legal name
"ACBA BANK" OJSC
Founded
1995
CB of Armenia License
№70
Website
acba.am/enOn the map (339)
Financial Indicators (2025)
Total Assets
AMD 1,067.7 billion
Loans and Advances
AMD 736.8 billion
Equity
AMD 194.94 billion
Net Profit
AMD 35.856 billion
Annual Report
OpenBank details
CB of Armenia License
№70
Registration date
29 Mar 1996
Bank code
22000
SWIFT code
AGCAAM22
Chairman
Hakob Andreasyan
About the Bank
Acba bank is one of Armenia's largest universal banks, serving private clients, entrepreneurs, farmers, SMEs and corporate clients. The bank provides consumer and mortgage lending, agricultural finance, deposits, card and payment services, trade finance and investment services.
Acba bank was established in 1995 as the Armenian Bank for Mutual Assistance to Farmers and has retained an important specialization in agricultural and agribusiness financing throughout its development. Crédit Agricole became a shareholder in 2006, while in 2021 the bank adopted the Acba bank brand and the legal form of an open joint-stock company. Today, Acba bank is part of the ACBA GROUP financial group and develops retail, corporate, SME and investment services alongside digital banking through acba digital.
History
1995 — Foundation
The bank was established on August 28, 1995, originally as the cooperative Armenian Bank for Mutual Assistance to Farmers.
1996 — Banking license
On March 29, 1996, the Central Bank of Armenia issued banking license No. 70 to the bank.
2006 — Crédit Agricole and rebranding
In 2006, the French Crédit Agricole group became a shareholder of the bank, after which the bank was reorganized and renamed ACBA-CREDIT AGRICOLE BANK CJSC.
OJSC and listing
In 2021, the bank adopted the Acba bank brand and the legal form of an open joint-stock company. Since February 1, 2022, its shares have been traded on the main A list of the Armenian Stock Exchange.
2026 — Card market leader
In May 2026, the number of cards issued by Acba bank exceeded 1 million, reinforcing the bank's leading position in Armenia's card market by number of cards issued.
Acba Bank business activities and areas of specialization
Activities
Retail banking, corporate banking, SME financing, agricultural lending, mortgage and consumer lending, trade finance, leasing, investment services, card and payment services, acquiring.
Key products and services
Target Segments
Private clients, entrepreneurs, farmers and agribusinesses, SMEs, corporate clients and private investors.
Digital Products
acba digital, acba soft SoftPOS
International Affiliation
Acba bank is part of the ACBA GROUP financial group. Shareholder structure: ACBA FEDERATION CJSC 75%, Proparco, AFD Group, France 10%, free float 15%.
Leadership
Hakob Andreasyan
Chief Executive Officer
Hakob Andreasyan is a long-serving executive of Acba bank with more than 28 years of experience within the bank. He heads the bank's executive management and participates in the development of key areas, including digital transformation, SME financing and agricultural finance.
Awards
2025 — MFR Customer Protection Certification - Gold level
Acba bank received the highest, Gold level of MFR customer protection certification.
Source
Acba Bank online services
Bank branches and ATMs map
Bank reviews
a k Acba Bank Source: Google13 Jun 2025Rating:1.0
Unfortunately, my experience with the ACBA Bank branch on Aram Street was very disappointing. The staff acted unprofessionally and were unable to handle even basic inquiries or provide solutions to straightforward issues. What’s more frustrating is that the problem I came in with was caused by the mistakes of their own colleagues, yet they showed no initiative to take responsibility or resolve it effectively. I expected much better service from a major bank.
Artak Khachatryan Acba Bank Source: Google14 Feb 2023Rating:1.0
One of the worst online banking I’ve seen so far. A few possible mistakes you can meet: 1. Random crash of the app when you type a password to login. 2. Cards are just not loaded (eternal loading) sometimes later saying “something went wrong” - oh really? And it might last like that for 12 hours, so you can’t use your own money, cool. 3. Sometimes you see your card balance as “unavailable”, that’s even cooler. I’m not even talking about other issues we faced, these mentioned above takes extra 2-3 hours a month just to sort it out and USE YOUR OWN MONEY. I’m so tired of this and will leave this bank as soon as possible, unless someone fix these problems. Strong recommendation to avoid this bank until then.
Alex S Acba Bank Source: Google16 Sept 2019Rating:4.0
Have been their client for last 15 years, which has advantages and disadvantages. Advantage is that I am happy with the quality of service and overall experience is nice, but disadvantage is they don't have any loyalty benefits. Just simply all clients are on the same level despite how long or how much money you have with the bank, which is not a big deal, but something they should consider.
Grigori Grigoryan Acba Bank Source: Google15 May 2017Rating:1.0
One of the worst banks in Armenia. The internal communication between head office and branches is not working efficiently. Service is slow and not customer friendly. In head office I was told on friday morning that transaction is done while on monday lunchtime there was a problem in two branches. After I asked to check with head office in one of the branches, they told me to go myself to head office as they dont have time Be aware of their working style before going there. !!!
Ani Papyan Acba Bank Source: GoogleArticles about Acba Bank
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