Amio bank has joined the initiative to develop Juventus’ third academy in Armenia and the Bosco Welltown residential project, contributing to the creation of new opportunities for families, children, and young people.To this end, the Bank has signed a Memorandum of Cooperation with the initiative’s partners, Bosco Welltown and Red Invest Group, aimed at creating a modern sports, educational, and community environment.Construction of the projects has commenced in the Nor Hachn community of Kotayk Province. Representatives of UEFA and Juventus Football Club, football legends, and government officials attended the events.For Amio bank, this partnership is an opportunity to support the long-term development of communities by contributing to the creation of an environment where children and young people can train, learn, and discover their potential.✉️ <a href="mailto:info@amiobank.am">info@amiobank.am</a> | 📞 010 59 20 20 | 🌐 <a href="https://amiobank.am/">amiobank.am</a>

Amio Bank: Development Partner of Juventus’ Third Academy and the Bosco Welltown Project

Choose a car, learn about financing options on the spot, submit a loan application, and receive a decision - all in one place. From September 25 to 27, Amio bank made all of this available at the Armenian Auto Show.For three days, visitors to the Amio bank booth received consultations, submitted loan applications, and explored special offers from the Bank and its partner car dealers. The Bank also presented a simplified auto loan option: an auto loan of up to AMD 10 million with a down payment of 30% or more, without income analysis.“A client does not approach a bank simply to get an auto loan; their goal is to purchase a car. Our task is to make that journey as simple as possible by offering clear financing terms, a fast decision, and solutions that address the customer’s actual needs. This is Amio bank’s approach to auto lending - a simple and fast process, from choosing a car to securing financing,” emphasizes Henrik Manukyan, Head of the Mortgage and Auto Lending Center.Amio bank continues to develop its auto lending business and partnerships with car dealers, making the entire process - from choosing a car to purchasing it - simpler, faster, and more convenient for customers.

Car Selection and Financing in One Place: Amio Bank at the Armenian Auto Show

Amio bank’s coupon bonds with a total nominal value of AMD 2 billion have been listed on the Armenia Securities Exchange (AMX) as of September 30 and included in the secondary Bbond list of bonds.As of the listing date, targeted trading in the bonds is permitted, as well as entering into repo transactions.The issuance comprises 20,000 registered coupon bonds, each with a nominal value of AMD 100,000. The annual coupon rate is 9.75%, and the maturity period is 36 months.For additional information on the securities listed and admitted to trading on the Armenia Securities Exchange, please visit <a href="https://amx.am/am/news/listing-amio-bank/2779?utm_source=chatgpt.com">here</a>.

Amio Bank Bonds Listed on the Armenia Securities Exchange

Instead of simply keeping your available funds, you can invest them and earn regular income. A bond is an attractive investment instrument with clearly defined terms, a pre-set coupon yield, and a fixed payment schedule.Following the record-fast placement of the full volume of its previous two bond issues, Amio bank is offering another investment opportunity, starting the placement of new bonds denominated in AMD on September 18, 2026, with an annual coupon yield of 9.5%.The issue terms are as follows:<ul><li data-list-item-id="ed28ee748f02b75b5c5d8d871c4889c1e">Issue volume: AMD 3 billion</li><li data-list-item-id="e947745093cf6fc70ab53381672ba9ecf">Number of securities: 30,000</li><li data-list-item-id="e95b065e7bcdb5c02d07c4bd252e283fc">Nominal value per security: AMD 100,000</li><li data-list-item-id="ecc09b046d5016320c9a06ed74e176cec">Coupon yield: 9.5%</li><li data-list-item-id="e1802f41036bc7959245f9631aa842b9c">Coupon payment frequency: quarterly</li><li data-list-item-id="e7d2fc201d11ac2e7bb20d39a2de908b3">Maturity: 24 months</li></ul>Following the placement, the bonds will be listed on the Armenia Securities Exchange (AMX).You can also purchase the bonds through the AMIO Mobile app without visiting a bank branch. If you are not yet an Amio bank customer, download the app <a href="https://bit.ly/m/amiobank">here</a>.To purchase a bond through the app, select “Applications”, then go to the “Bond Purchase” section, enter the required information, and confirm the transaction. The details of the purchased bonds will be available in the “Bonds” section.Under the current Tax Code of the Republic of Armenia, coupon income from bonds is exempt from income tax through December 31, 2027, inclusive. The bonds are also guaranteed by the Deposit Guarantee Fund of Armenia.The Bond Program Prospectus was registered by Decision No. 1/310 A of the Chairman of the Central Bank of the Republic of Armenia dated July 22, 2026.The Prospectus and its supplements are available <a href="https://amiobank.am/en/all-services/bonds">here</a>, while a hard copy can be obtained at any Amio bank branch.

An investment opportunity from Amio bank with a 9.5% yield

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.