The service has changed a lot over the past year. Previously, the waiting time for an electronic ticket in a mobile application was 10-20 minutes, now it can take more than 40 minutes. Okay, we added a commission of 1000 AMD for the service, but now they also began to take your passport, they do not give it back until the money is credited to the card, which can also take from 20 minutes… To go to this bank, you need to allocate a special day without personal matters)))