ACBA Bank · Armenia
An account at a universal bank with a wide branch network across Armenia
Support in opening an account at ACBA Bank — a universal bank with a wide branch network across Armenia. A practical option when accounts are spread across several institutions in one country.
BRIDGES GLOBAL service
from €2,500
The fee is fixed before payment. You pay after the preliminary check.
What the packages includeAMD · USD · EUR
Main currencies
For non-residents
Applications considered
Per bank terms
Opening format
OverviewACBA Bank
Key facts about the account
ACBA Bank is a universal Armenian bank: AMD, USD and EUR accounts, debit cards, online banking. Its strength is the retail network and a stable product line. Non-residents pass an internal review; terms are confirmed before the project.
- Account type
- Personal account
- Client
- Including non-residents — per bank requirements
- Currencies
- AMD · USD · EUR
- Bank card
- Yes, per the selected bank product
- SWIFT
- Yes
- SEPA
- No: EUR payments run via SWIFT
- Opening
- In-person visit / per current bank terms
- Timeline
- Usually up to two weeks for non-residents; depends on the bank’s review
- Bank fees
- Set by the bank; shown before the work starts
- BRIDGES GLOBAL service
- From €2,500, fixed before payment
ProductsYerevan
What you get with the account
- 01Multi-currency accountAn account with AMD, USD, EUR balances and in-bank conversion. The base of the client’s settlement infrastructure in the jurisdiction.
- 02Bank cardAn international payment card linked to the account — physical and digital formats per the bank’s line.
- 03Digital bankingOnline banking and a mobile app: payments, conversion, statements and bank communication remotely.
- 04BRIDGES GLOBAL supportFile preparation, filing coordination and responses to bank requests — before the decision and after opening.
Bank card
Debit card AMD · USD · EUR
Card issuance and maintenance terms are set by the bank. Before the project we confirm the current tariffs of the selected product.
Non-residentsArmenia
Opening without Armenian residency
ACBA Bank reviews non-resident applications under an internal procedure: citizenship and country of residence are assessed together with source of funds and account purpose. File preparation quality defines both the timeline and the outcome.
- 01An Armenian residence permit is not a mandatory filing condition
- 02A non-resident review takes longer — up to two weeks
- 03A pre-check before the visit reduces the risk of an on-site refusal
Check your citizenship
Statuses reflect review practice as of the verification date and are not a promise on the bank’s behalf. The bank makes the final decision on each specific application.
RequirementsWhat the bank looks at
What the applicant needs
The account opens personally to an applicant aged 18+ with a valid passport.
ACBA Bank expects a specific answer to why the account is needed: payments, savings, income or spending in Armenia.
Income and origin of capital must be documented. We prepare this part of the file before filing.
The standard scenario is in-person presence at a branch; specific scenarios are checked at the pre-check.
PreparationPersonal list - after the check
Documents for the bank
The exact list depends on citizenship, residency and source of funds: after the pre-check we send a personal list with samples.
Source of funds
Pick your main source — we show the documents the bank typically requests.
- Employment contract or employer letter
- Salary account statements
- Tax returns where applicable
PricingPayment — after the pre-check
Support packages
01
Account only€2,500
Account and core support until the bank’s decision
02
Account + bank card€2,800
Adds card issuance and digital banking set-up
03
Account + extended support€3,700
Adds support for bank compliance requests for 6 months after opening
Included
- Preliminary check
- Personal document list
- Application and banking file preparation
- Visit booking and coordination
- Bank communication support
- Responses to additional bank requests
Not included
- The bank’s decision to open the account
- Bank fees and tariffs
- Minimum balance and deposits
- Third-party costs: translations, apostilles, travel
Process8 steps to the bank’s decision
How the account opening works
- 01Pre-check
We assess citizenship, residency, source of funds and account purpose — and say honestly whether the application has a prospect.
- 02Payment and project creation
Once the fit is confirmed we invoice the service. The project gets a number and a personal coordinator.
- 03Document collection
We send a personal list, verify each document and request anything missing in advance.
- 04Banking file
We build the file in the logic of compliance questions: source of funds, account purpose, expected operations.
- 05Filing and visit
We coordinate the date and branch in Yerevan, prepare the client for the bank’s questions and support the filing. Non-resident reviews take longer than for local clients.
- 06Compliance review
The bank reviews the application. We answer additional ACBA Bank requests and keep the client informed.
- 07Bank decision
The decision belongs to the bank. If declined, we analyse the reason and propose the next step — keeping the prepared file.
- 08Account and card
We help activate the account, the card and digital banking. On the extended package we stay available for bank requests.
Compliance
Compliance and source of funds
The bank assesses not the size of the capital but its clarity: where the funds come from, what the client does, what operations are planned. We prepare the file in this logic before filing, so most compliance questions close in advance rather than in correspondence after filing.
The final decision on opening the account, issuing the card and providing banking products belongs to the bank. BRIDGES GLOBAL provides consulting and support services and does not guarantee a positive bank decision. Payment is made for BRIDGES GLOBAL services in preparing and supporting the project.
PracticeArmenia
How such projects run
QuestionsACBA Bank
Account opening questions
Most often as a second bank in Armenia: spreading settlements between institutions reduces dependence on a single bank. For basic needs ACBA covers everything: account, card, transfers.
As at other Armenian banks — proof of source of funds and a clear account purpose. A personal list is prepared after the pre-check.
No, a residence permit is not mandatory. Non-resident applications pass the bank’s internal procedure; ties to the country strengthen the application.
The main account currencies are AMD, USD and EUR with in-bank conversion. Other currencies are checked against the current line-up before the project.
A reference point is up to two weeks with a complete document set. The timeline depends on the depth of the ACBA Bank review and may extend with additional requests.
Payment covers BRIDGES GLOBAL’s preparation and support work, not the bank’s decision. We start with a free pre-check and do not take on applications without a realistic prospect. Termination terms are fixed in the agreement before payment.
We file the application when it has a real prospect
First we check citizenship, residency and source of funds. If the bank’s practice leaves little chance, we say so before payment and suggest another bank.
Alternatives