An architecturally interesting building, decorated in the style of Armenian classicism, with a gorgeous chandelier at the entrance. This branch provides a full range of banking services, there are comfortable sofas, however, due to the central "mission", the expectation of the service can be extremely high.
I do not rate the building or the office, but the work of the bank as such. In short, it did not meet expectations and does not provide the standard services expected from an ordinary bank.
One of the advantages is that you can open an account remotely. That's all. The fact that you can pay with a card is not one of the advantages - it is expected by default.
1. Opening an individual account instead of the promised 3-5 days took 1.5 months - to get feedback, you need to persistently achieve this. They requested the same data several times, and then, after approving the opening of the account, they delayed for another 2 weeks and again requested the previously provided data, after which the account was actually opened.
2. Compliance works according to the mood and is guided by very strange ideas: it requests the basis of a currency transfer, you provide it with a full and legitimate basis (contract), and they decide that they will use one point of the contract (so we will transfer the money), and they will not (and so we will not give you money to transfer). As a result, the required payments, for which the account was actually opened and very considerable sums were paid for opening and servicing, the bank refuses to carry out.
3. The personal manager service, which is purchased for at least a year and supposedly allows you to get a personal approach to service, including in interaction with compliance and currency control - in fact does not work and does not provide what was promised. And this "service" costs 400,000 AMD ($1,035), at least for non-residents. Firstly, the work of the personal manager himself cannot be called operational, and secondly, the manager does not solve anything, does not recommend, does not help, but simply is a transfer point - in fact, he does not provide any help.
4. Tariffs are not attractive (and for this reason deserve some kind of leniency in terms of banking requirements).
5. The original PIN code of bank cards, which you are given in envelopes, cannot be changed in the application "for security reasons" - only with pens in the ATM of Ardshinbank.
In general, I am disappointed with the work of this bank. If I had known in advance how much time, nerves, and money should be spent on opening an account and what the result would be, I would not have hesitated for a minute and abandoned this idea.
In terms of application and service, the bank is very backward. To issue a card, you need to walk with your feet and really sit for three hours and wait for registration. You must come for the card separately. They promised to call and didn't call for six months. You have to give up the map with your feet. The application has been updated, SMS authentication is not coming. It turned out that it was coming to a phone number that was two years ago and I changed it by coming with my feet and writing a statement. They asked me to contact the department with my feet again, and to write an application for a phone change again. I already wrote!!!!! If you close a deposit, it does not immediately come to the account, but disappears. And we have to wait for a call from the bank to confirm that it's you! This is only during business hours. If you closed the deposit on Friday evening, then alas. They may not even call on Monday. We must walk with our feet. They call at any moment, and it doesn't matter if you don't have your passport details at hand. Your problems, they won't transfer the money. Your contribution, your money will not be received. Protection from scammers, they say. And push notifications are not fate? The way personal data is protected in Armenia is not a problem for fraudsters to give someone else's passport data over the phone. Probably half of Armenia already has my data. The app is often down on weekends. If you don't have enough money on your card and you want to transfer money from your account to your card, that's your problem. It often shows that there is no money in the account, there is no card. This is probably progress for Armenia compared to what it was. But it is very difficult for foreigners to see the Stone Age here. Do they charge money for text messages? They charge money for everything. They can do that here. But making the bank modern is not.
The latest news is December 2024. I can't pay for my studies with my card, because they find the site suspicious and they block the payment. Calls to the bank to manually authorize the payment do not help. They say to write a statement, they will remove the protection in a day (for everything), and then I can try to pay. Nightmare. Since there are no information stores here, online banking is in its infancy, there is no better protection than to ban everything. What is the development of the IT sector? There has been no progress in banking over the years.
A disgusting, unreliable bank! Last time when transferring money from a card to another card of Ardshinbank, a large amount of money just hung in the air, leaving my account and not reaching the recipient, the problem was solved for two weeks! This time I urgently needed money on the card, I had important plans, I used an ATM and the money hung up again, with a simple deposit! The bank's employees are silent, look at the floor and can't decide anything except to leave a "request for funds" and promise that the issue will be resolved in 3 days. That's just terrible. There is no trust anymore. I will transfer to another bank.
It is better to go to the branches of this bank. The main office is here, there are too many queues, there is no parking, employees work at a pace because of this there are more mistakes. You have to stand in queues several times if you have a non-standard issue or several transactions. The design and interior decoration are impressive.
I made a card, I need very few documents for it, this is a plus, but otherwise there are solid disadvantages: when I made an application, they did not tell me that I had to come the next day and pay, I thought that when I received it, I eventually made the card for two weeks, I waited, but they did not even start making it and they didn't call me once, I called the bank 5 times myself.
In the application itself, nothing can be done except to look at the balance, neither transfers nor history are visible in the transaction history tab, however, if you click on the card itself, you can find the history there, I accidentally discovered it after three months of use, because it is not obvious. Notifications come in the app, in SMS, and in viber(?) I issued a second card two weeks ago, they told me that they would call in three days, as a result, I called the bank myself again.
I do not recommend the bank, the only advantage is the ease of obtaining a card
After the transfer to another bank's card, the transfer is automatically duplicated and the money is debited without knowledge.money is missing, there is no transaction history, calls and complaints are not answered!!!there are a lot of questions, but there is no answer to complaints.complete disregard.rudeness, in a word
The entire organization of 5 people comes to one ticket, everyone asks a million questions about opening a card and account, then they come back and ask all the questions again. Then more people without coupons come up and they are seated and begin to register, and you sit and wait for your ticket to finally light up on the scoreboard. I've been walking for three days, at least an hour and a half in line. It will take half a lifetime to open an account and a card.
1.5 hours in the queue, when receiving the card, the employee did not explain that it was necessary to register the card in order to activate the mobile offer
An ordinary bank.
Queues are frustrating by the hour, it's better to sign up via EarlyOne
They do not give loans to non-citizens 😔
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1
Денис Заикин
Level 15 Local Expert
March 8, 2023
Nice place, friendly staff, very quick to help with my questions.
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Л
Лусине .
Level 2 Local Expert
May 11, 2024
Շաատ վատ սպասարկում։ Խնդիր է լինում, մի ամբողջ օր զանգերի կենտրոնի հետ կապ հաստատել հնարավոր չի։ Հավելվածից օգտատերը ավտոմատ դուրս է գալիս ու էլ մուտք անել չի լինում։