An account with AMD, USD, EUR balances and in-bank conversion. The base of the client’s settlement infrastructure in the jurisdiction.
Updated 19.08.2026
Ameriabank · Armenia
Opening an account at Ameriabankfor international clients
Support in opening a multi-currency account and a card at one of Armenia’s leading banks. Ameriabank is traditionally named the first choice for foreign clients in the country — which is why its compliance reviews non-resident applications especially closely.
- PERSONAL ACCOUNT
- DEBIT CARD
- SWIFT
- NON-RESIDENT
- ArmeniaJurisdiction
- AMD · USD · EURMain currencies
- For non-residentsApplications considered
- Per bank termsOpening format
Overview
Key terms
Ameriabank is one of Armenia’s largest banks: multi-currency accounts, international payment cards, English-language online banking and dedicated service for wealthier clients. Non-resident applications pass an internal procedure; the outcome depends on citizenship, country of residence and proof of source of funds.
- Account type
- Personal multi-currency 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
- Visit or remote scenarios — 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
Products
What you get
An international payment card linked to the account — physical and digital formats per the bank’s line.
Online banking and a mobile app: payments, conversion, statements and bank communication remotely.
File preparation, filing coordination and responses to bank requests — before the decision and after opening.
Bank card
Debit card
- Payment network
- Visa or Mastercard — per bank product
- Currencies
- AMD · USD · EUR
- Format
- Physical and digital card
- Delivery
- At a bank branch at opening or later
- Mobile wallets
- Per current bank terms
- Maintenance
- Per bank tariffs; shown before the project
Card issuance and maintenance terms are set by the bank. Before the project we confirm the current tariffs of the selected product.
Non-residents
Opening without Armenian residency
Ameriabank 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.
- An Armenian residence permit is not a mandatory filing condition
- A non-resident review takes longer — up to two weeks
- A pre-check before the visit reduces the risk of an on-site refusal
Availability
Availability by citizenship
Select 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.
Requirements
What the applicant needs
The account opens personally to an applicant aged 18+ with a valid passport.
Ameriabank 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.
Preparation
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.
Documents usually required
- Employment contract or employer letter
- Salary account statements
- Tax returns where applicable
Pricing
BRIDGES GLOBAL support packages
Account and core support until the bank’s decision
Adds card issuance and digital banking set-up
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
Process
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 Ameriabank 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.
Questions
Account opening questions
Certain remote scenarios exist, but their availability depends on citizenship and the client’s situation. We verify this at the pre-check; the base scenario is an in-person visit to Yerevan.
The bank offers deposits and savings products on an active account; terms per current tariffs. For larger capital we discuss the storage structure separately at a consultation.
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 Ameriabank 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.
Team
Who runs banking projects
Dmitry NagyInternational Tax ConsultantBanking solution shortlist and the preliminary client check
Klara RihterHead of Compliance and Due DiligenceThe banking file and source of funds
Elena TitovaClient Relationship ManagerProject coordination and client liaison- 20+ yearsof international practice
- 8,000+families obtained status with BRIDGES GLOBAL
- 40+countries and jurisdictions in work
Availability
Another solution may fit you better
IDBank
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