Araratbank review
Updated October 13, 2026 · DebitCue Editorial Team
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Our verdict
For customers who manage online spending across currencies, Araratbank offers a virtual credit card built around multi-currency use. It centres on card payments through a familiar network and suits customers who prefer managing everyday online spending through digital card details.
Key facts
- Best for
- Customers wanting a virtual multi-currency credit card
- Currency conversion fee
- 1.5% (Source, checked September 26, 2026)
- Legal entity
- Araratbank CJSC (Source, checked September 26, 2026)
- Headquarters
- Armenia (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
- Official website
- araratbank.am
Debit cards
- Currency conversion fee
- 1.5% (Source, checked September 26, 2026)
- Free ATM withdrawals
- AMD 0 (Source, checked September 26, 2026)
- Card type
- Virtual (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Currencies
- 5 (Source, checked September 26, 2026)
- Legal entity
- Araratbank CJSC (Source, checked September 26, 2026)
- Headquarters
- Armenia (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card
Apps and profiles
- Get the app
- Google Play
Pros
Pros
- Virtual card format supports online card payments with digital card details
- Multi-currency support helps spending in different currencies from one card
- Credit card structure provides reusable spending power with regular account management
Who it suits
- Customers who prefer virtual cards for online spending
- Customers who pay across currencies with one card
How Araratbank compares
Where Araratbank is available
- Available
- Armenia
- Licence in Armenia
- Central Bank of Armenia, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What type of credit card does Araratbank offer?+
Araratbank offers a virtual credit card for online card payments. It uses digital card details and supports multi-currency use within one card. Consider everyday spending habits and account management needs before choosing.
Who is this virtual card suited for?+
This card suits customers who prefer virtual cards for online card payments. Multi-currency handling supports spending across currencies from one place. Consider daily habits and account management needs before deciding.
How does a multi-currency virtual card work in plain terms?+
A virtual card holds card details digitally for use online. Multi-currency means it can support spending in different currencies under one card. Review currency handling and account controls before choosing.
What currency conversion fee does Araratbank charge?+
The currency conversion fee at Araratbank is 1.5%. (Source, checked September 26, 2026)
Which company operates Araratbank?+
Araratbank is operated by Araratbank CJSC. (Source, checked September 26, 2026)
Where is Araratbank based?+
Araratbank is based in Armenia. (Source, checked September 26, 2026)
How can I contact Araratbank support?+
Araratbank offers support through Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- araratbank.am checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels, Licences
“regulated by the Central Bank of Armenia”
- araratbank.am/en/master-cards/29 checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Currencies, Features, Currency conversion fee, Card network
“ATM withdrawals (Ararat Bank): No charge”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Annual fee, APR, Rewards type.