Amio bank, in collaboration with El Motors dealership, offers favorable terms for purchasing the most in-demand models of BYD electric vehicles.

Now BYD E2, BYD Yuan Up, and BYD Seagull models can be acquired from the El Motors dealership under the following terms:

- Annual interest rate of 9% (effective rate: 9.36–11.35%)
- Repayment term of up to 60 months
- Only 10% down payment

It is a perfect opportunity to acquire a modern, environmentally friendly, and technologically advanced vehicle with more affordable financial terms.

Interested individuals can fill in an [application form](https://bit.ly/m/avto-vark) and our specialists will contact them, or they can visit any branch of Amio bank.

Bank is supervised by the Central Bank of Armenia

Your electric car - with an exclusive 9% annual interest rate

Amio Bank presents a new opportunity for everyone who wants to make money transfers to Europe, the USA, or the UAE. Now you can make transfers even faster and at more favorable tariffs. Moreover, to make a transfer, you only need the recipient's details; there is no need to provide intermediary bank information. The transferred amount will reach the recipient within 1-2 business days without any holds.

In addition, until July 31, by making a transfer through AMIO Bank, you will not only benefit from the best rates but also participate in a raffle for a chance to win numerous valuable Apple brand gifts.

Take advantage of this exclusive offer and make transfers under the most favorable conditions.

The tariffs valid within the scope of the promotion are:

- For transfers in US dollars to US and UAE dirhams, without limitation on the amount transferred, 0.1% (minimum: 6,000 AMD, maximum: 40,000 AMD),
- Transfers up to 10,000 Euros to Europe: 6,000 AMD.

You can make transfers at all branches of Amio Bank.

For details about the raffle, please visit [here](https://amiobank.am/en/all-services/transfers/swift) or call the 24/7 phone number 010 59 20 20.

Amio Bank is supervised by the Central Bank of Armenia.


First in Armenia: international money transfers to Europe, the USA, and the UAE with unprecedented tariffs!

FacePass-Amio facial recognition payment method is now available at new locations.
 
Let us remind you that, unlike the already widespread payment methods, you don't need cash, physical cards, or even a phone with FacePass-AMIO payment system. Your face is all you need to make a payment.

In addition to the innovative experience, those paying with the facial biometric system will receive a 10%* discount at the time of purchase, which will be added to the existing discounts in the store.

Here are the addresses where the FacePass-AMIO payment method is available.
- Yerevan Mall (Arshakunyats Avenue 3) Time and Pandora stores
- Dalma Garden Mall (Tsitsernakaberd Highway 3) Time and Pandora stores
- Rio Mall (Vahram Papazyan Street 8) Time store
- Northern Avenue 5 - Time and Tous stores
- Mega Mall (Gayi Street 16) Time store 

*The total discount amount provided to the same customer within one month cannot exceed 10,000 AMD. 

To have the opportunity to pay via FacePass-AMIO facial payment method, all you need to do is log in to the registration system once, create an account by going through a simplified registration process, attach your Mastercard, and enjoy the most innovative payment method. Registration is completely free.

Registration link: [FacePass-AMIO ](https://facepass.amiobank.am/en/auth)

In case of questions, feel free to contact the Amio Bank support team via their social media pages or by calling (010) 592020.

Amio Bank is supervised by the Central Bank of Armenia


FacePass-AMIO facial recognition payment method becomes more accessible

Apply to Amio Bank and get the vehicle of your dreams from any dealership in Armenia.
The Bank provides loans for purchasing vehicles from both the primary and secondary markets.

**The terms for purchasing a vehicle from the primary market are:**
- Down payment: starting from 10%
- Annual interest rate: 13.7%–15% (effective interest rate: 14.6%–17.1%)

**The terms for purchasing a vehicle from the secondary market are:**
- Down payment: starting from 20%
- Annual interest rate: 14.9%–16% (effective interest rate: 15.9%–18.4%)

To obtain an auto loan at Amio Bank, it is not mandatory to submit registered income — if the down payment is 50% or more, the loan can be processed without income analysis.
Competitive interest rates, flexible terms, and a simplified application process. All that's left for you is to choose a vehicle — Amio Bank will take care of the rest.
Detailed information about auto loans can be found [here](https://www.amiobank.am/en/loans/consumer-loans).

Turn the wheel of your dream with Amio!
Amio Bank is supervised by the Central Bank of Armenia.


Turn the wheel of your dream with Amio

News

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/savings/deposits):

Bank deposits are now even more profitable

Exceptional rates are applicable for transfers to the USA, UAE  and Europe within the frames of promotion launched at Amio Bank.
- For transfers in USD and UAE dirham, without limitation on the transferred amount, 0.1% (minimum: 6,000 AMD, maximum: 40,000 AMD)
- For transfers up to 10,000 Euros: 6,000 AMD

International transfers of Amio Bank are made:
- fast
- without any deductions from the transferred amount
- with minimal data submission
- at exceptional rates

The promotion is valid for individual, legal entity and sole entrepreneur clients until 31.03.2025 inclusive. Transfers can be made at all branches of Amio Bank.
You can learn more about the promotion [here](https://amiobank.am/en/all-services/transfers/swift), or call the 24-hour hotline at 010 59 20 20.

Amio Bank is supervised by the Central Bank of Armenia.


International transfers to the USA, UAE and Europe at the best rates

Thanks to years of dedication and the unwavering trust of our clients, AMIO Bank has achieved this remarkable milestone. We offer not only competitive deposit interest rates but also flexible, client-centered terms tailored to meet your needs.
Exclusive Benefits with AMIO Mobile
Special deposit terms are available in the AMIO Mobile application. Clients can enjoy preferential interest rates when making deposits via the app.
A Variety of Deposit Products
Our deposit options include:
- Flexible possibilities for deposit amount replenishment and/or reduction.
- Multiple interest payment options: upfront, monthly, or at the end of the term.
- Early termination options.
- Interest capitalization (adding earned interest to the principal) for all deposit types.

Additional Benefits for AMIO Bank Depositors
- Free Visa or Mastercard cards.
- Preferential interest rates for loyal clients with AMIO Pro and AMIO Exclusive packages.
- Priority service at the Bank’s branches.

Professional Financial Advice
The AMIO Bank team is always ready to provide expert financial advice to help you choose the best investment options.

Discover our deposit terms and the latest offers by visiting the following link: [AMIO BANK/DEPOSITS](https://www.amiobank.am/en/savings/deposits)

AMIO Bank is supervised by the Central Bank of Armenia.


N1 in Deposits! AMIO Bank is the leader in individual deposit volume in Armenia

**Dear customers and colleagues**

From October 16, 2024 to December 6, 2024 inclusive, "AMIO" CJSC plans to allocate 1 issue of nominal, coupon, non-documentary bonds through a public offer, under the following conditions:  

**Dollar bonds - AMARBBB2IER2**
- Bond Class: Nominal, Non-Convertible, Coupon Bond
- Form of bond: non-documentary
- Nominal value of the bond: 100 USD
- Number of bonds: 50,000
- Total face value of the bods: 5,000,000 USD
- Turnover period:   30 month
- Annual coupon yield 4.75% 
- Coupon payment frequency: quarterly
- Underwriter: "AMIO BANK" CJSC
- Placement start: 10/16/2024
- Placement end: 12/06/2024

The prospectus of coupon bonds of "AMIO BANK" CJSC was registered by the decision of the President of the Central Bank of RA No. 1/124 Ա dated April 10, 2024.
The supplement to the Program Prospectus of "AMIO BANK" CJSC has been registered on 31.05.2024 by the decision No. 1/194 A of the President of the Central Bank of Armenia, second addition to the Program Prospectus of "AMIO BANK" CJSC has been registered on 05.08.2024 by the decision 1/297 A of the President of the Central Bank of Armenia.
For the acquisition of bonds, investors must complete and properly submit the Bond Purchase Application/Applications to "AMIO BANK" CJSC (link).
Payment for the purchase of bonds must be made to the bank account **11500236924369 (for US dollar bonds)** opened in the Bank for the purpose of issuance.
The electronic versions of the prospectus, prospectus supplements, as well as the final conditions of issue and acquisition applications are available at the links below, and the printed version can be purchased at the head office of "AMIO BANK" CJSC (address: RA, 0010, Yerevan, Nalbandyan 48).

