Now, Amio Bank’s US dollar deposit is not just profitable, it is the most profitable.
Make a deposit in US dollars via AMIO Mobile app for a period of 366–1,095 days and receive:
 
- Exclusive 6% annual yield,
- Opportunity to make a minimum deposit of 100 USD,
- Flexible options for receiving interest payments — at the time of deposit, monthly, quarterly, or at the end of the deposit term,
- Opportunity to earn higher income by choosing the option of interest capitalization,
- Visa or Mastercard cards with free annual maintenance (premium cards are also provided depending on the deposited amount).
 
If you’re not yet an Amio Bank customer, download AMIO Mobile app, complete the online registration, and make a profitable investment within minutes.

 The promotion is valid until August 31, 2025, inclusive.
 
 Download AMIO Mobile app here: [App Store](https://apps.apple.com/ru/app/amio-mobile/id1209958491?platform=iphone), [Google Play](https://play.google.com/store/apps/details?id=am.armbusinessbank.mobilebank)
 
 Promotion details [here](https://amiobank.am/en/deposits/document?source=c291cmNlPWRlcG9zaXRzLmRvY3VtZW50cy5jb250ZW50LjAubmFtZSZ0aXRsZT1kZXBvc2l0cy5kb2N1bWVudHMudGl0bGUmaWQ9dW5kZWZpbmVk)

PROMOTION․ Deposit in US dollars with an annual interest rate of up to 6%!

Amio Bank and Shirak State University named after Mikayel Nalbandyan signed a memorandum of cooperation, uniting around the goals of Amio Era educational program.

Thanks to the cooperation, students from socially vulnerable groups with average and high academic performance at the university will have the opportunity to participate in Amio Era educational program and receive a one-year tuition fee reimbursement from Amio Bank.

The cooperation start coincided with important university events: on the same day, the solemn ceremony of awarding students' diplomas took place, as well as the presentation of the commemorative book dedicated to the university’s 90th anniversary.

The meeting was held in a warm and constructive atmosphere, laying the foundation for continuous and effective cooperation.

Amio Era is an educational support program implemented by Amio Bank for the second time. This year, tuition fee reimbursement is planned for up to 50 students from various universities across Armenia.

Program details are available on Amio Era’s[ Instagram page]https://www.instagram.com/amio.era/?igsh=MTZtbmtqZ244bmsxcA%3D%3D) and [official website](https://amioera.am/en).

Amio Era․ Education is an opportunity …


Amio Era in Gyumri: Cooperation with Shirak State University named after Mikayel Nalbandyan

There’s nothing like the thrill of summer travel when you’re at the wheel. If you dream of your own car, AMIO Bank’s car loan is a simple, affordable, and fast solution that will let you hit the road freely this summer, fill your days with new experiences and bright moments.

Amio Bank offers to acquire vehicles not only from the primary market, but also from the secondary market without commission fees, with a simplified process, flexible discount offers and the following conditions:

- Annual interest rate: 14.9% - 16% (effective: 15.9% - 19.3%)
- Down payment starting from 20%
- Loan amount: 1 to 25 million AMD
- Loan term: 1 to 5 years
- For a down payment of 50% or more, the loan may be granted without income verification
- The age of the vehicle from the year of manufacture to 7 years at the time of loan disbursement

All Armenian residents aged 18 to 70 can apply for a car loan by submitting a [minimal set of documents](https://static.amiobank.am/files/cms/Pastatghtyeri_cank_Havyelvats_2_a778a1e303.pdf?_gl=1*wwlsw6*_ga*NzY1Mzk2MjY1LjE3MjkwODAwOTk.*_ga_YZZS6JV0Q3*czE3NTI2NTAyNzckbzMxNCRnMSR0MTc1MjY1MDI5MyRqNDQkbDAkaDA.).
Get acquainted with the terms and conditions of the car loan [here](https://amiobank.am/loans/consumer-loans/document/consumer-loans?source=c291cmNlPWh0dHBzJTNBJTJGJTJGc3RhdGljLmFtaW9iYW5rLmFtJTJGZmlsZXMlMkZjbXMlMkYxX0F2dHZvdmFya195ZXJrcnZvcmRheWluX3Nodm9fa2FfMTZfMDZfMjAyNV85OGI2YjgzNWQ0LnBkZiZ0aXRsZT0lRDQlQjElRDUlQkUlRDUlQkYlRDUlQjglRDUlQjQlRDUlQTUlRDYlODQlRDUlQTUlRDUlQjYlRDUlQTElRDUlQjUlRDUlQUIlMjAlRDUlQjElRDUlQTUlRDUlQkMlRDYlODQlRDUlQTIlRDUlQTUlRDYlODAlRDUlQjQlRDUlQTElRDUlQjYlMjAlRDUlQkUlRDUlQTElRDYlODAlRDUlQUYlRDUlQTUlRDYlODAmaWQ9MSZkb2NMaXN0SW5kZXg9Mg==).

Don't wait, enjoy the summer with your own car!

Amio Bank. At the wheel of your dream! 

The Bank is supervised by the Central Bank of Armenia.


Travel this summer by your own car, your journey starts with AMIO Bank.

Amio bank and El Motors dealership continue their partnership, making the car-buying process simpler and more beneficial.

If you’ve been thinking about a new and comfortable car for a long time, now is the right time: the BYD Yuan Up Vitality model is available at an unprecedented special price via Amio bank car loan.

Car loan terms:
- 9% annual interest rate (effective: 9.36%-11.35%)
- Repayment term up to 60 months
- Only 10% down payment

This electric car suits both for city driving and trips outside the city. And the best part, it can be yours with just one simple step!

Fill out the [application](https://www.amiobank.am/en/loans/consumer-loans/auto-credit?_gl=1*xqa4y*_ga*MzY4ODk3ODc0LjE3NTA5MjEwMDI.*_ga_YZZS6JV0Q3*czE3NTE5NTgwOTUkbzI3JGcxJHQxNzUxOTU5Mzk2JGo1OCRsMCRoMA..) or visit any Amio bank branch.


Your new car exclusively priced with Amio bank

News

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

By making international transfers in US dollars (to the USA), euros (to Europe), and UAE dirhams (to the UAE) via Amio Direct to Account service during the period from June 1, 2025, to July 31, 2025, you will have the opportunity to participate in a raffle for valuable Apple brand prizes.

** Special rates applicable during the promotion:**
- For transfers in US dollars and UAE dirhams, with no limit on the transferred amount, a fee of 0.1% applies (minimum: AMD 6,000; maximum: AMD 40,000),
- For transfers up to 10,000 euros, the fee is AMD 6,000.

**Raffle prizes:**
- Apple MacBook Air 15 - 1 piece
- iPhone 16 Pro Max - 2 pieces
- Apple Watch - 3 pieces 
- AirPods - 2 pieces

![banner.jpg](https://static.amiobank.am/files/cms/banner_6f2f963568.jpg)

**Terms and conditions of participation:**
To participate, it is required to make international transfers via Amio Direct to Account service to the USA, Europe, or the United Arab Emirates during the period from June 1, 2025, to July 31, 2025,**

The raffle summary will take place in August 2025,

The prizes will be drawn randomly, in the order listed above,

Each participant will have one chance to win a prize, regardless of the number of transfers; however, the more transfers made, the more tickets received, the higher is a chance to win,

In the days preceding the raffle, participants will receive a notification at their email address indicating their raffle ticket number(s), as well as the exact date, time, and platform of the raffle.

_* Only individual customers who are residents of the Republic of Armenia are eligible to participate in the promotion.
** In case of international transfers, the individual making the transfer automatically participates in the contest._




international transfers, միջազգային փոխանցումներ

Amio Direct to account International transfers

Hereinafter, the Bank offers its clients to receive up to 10.5% and up to 5% annual income on savings, respectively, for deposits in Armenian drams and US dollars, made via Amio mobile application.
Amio Bank deposits are available to both resident and non-resident clients of the Republic of Armenia, and deposits can be invested both in the Bank's 34 branches and in Amio mobile application as well, recognized as the best mobile application of the year according to the results of the 2024 Armenia Digital Awards.
 
Deposits of individuals in Amio Bank:
- with the possibility of investing starting from 30,000 AMD, with the replenishment option in the future,
- choose one of the most convenient options for clients to receive interest: at the time of deposit investment, monthly, quarterly or at the end of the deposit period,
- get higher income by choosing a deposit type with the possibility of interest capitalization,
- with a period of 31-1095 days.
 
Furthermore, except for high interest rate, Amio Bank depositors will receive:
- free Visa or Mastercard cards (premium cards are also provided depending on the deposit amount),
- out of turn service at the branches. 

Amio Bank will help you to take your first steps into the world of savings, as well as manage and increase your savings income later on.
By the way, over the past 10 years, Amio Bank has been the leader in the banking system in the volume of the portfolio of individuals’ term deposits.
 
Get to know the deposit terms and conditions following the link:  [AMIO BANK | DEPOSITS](https://www.amiobank.am/deposits):