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You choose from where to receive your salary
  • Cash withdrawal fee
  • Credit/Credit line
    14% - 16%
  • Safe box
    20% discount

You choose from where to receive your salary

Receive your salary with IDBank Mastercard Standard/Visa Gold cards and use IDsalary and IDsalary+ packages with privileged conditions:

  • Mastercard Standard or Visa Gold cards with profitable conditions for service
  • Cash out from IDBank ATM’s without commission fee
  • Privileged annual nominal interest rate for the loans and credit lines
  • For new mortgage loans the nominal interest rate of the loan decreases by 0.25%

  • 20% discount for Bank safes rent and much more.

When joining IDsalary+ package the customers will get financial insurance in addition. The customers get one-time financial support in cases of unemployment, loss of ability to work and other critical cases.

To join IDsalary and IDsalary+ packages, it is necessary:

  • To apply for the card via Call center or at the Bank branch,
  • Receive your preferred card of IDBank
  • Provide the card details to your Accounting Department and receive your salary in IDBank by taking advantage from wide opportunities of the salary package.

The page was updated 29.03.2021 11:46


You choose from where to receive your salary

Approved by decision N 338-L of
“ID Bank” CJSC Management Board
dated September 14, 2021
Applicable starting from September 20, 2021

The terms mentioned in this bulletin may have been amended.
If you are looking through this bulletin on the website of the Bank, please pay attention to the action date of the information bulletin.
If you are looking through the bulletin in a paper form, please visit the Bank’s website at for detailed information (paying attention to the action date of this information bulletin), or apply to any branch of the Bank or contact the Bank’s through its Call center: (+37410) 59 33 33 , (+37460) 27 33 33

General conditions
1. Types of cards provided within the package 1: Mastercard Standard
Visa Gold
2. Annual card account service fee 1․ Mastercard Standard – free of charge
2․ Visa Gold – 2 000 AMD Annual
3.      Commission fee for cash withdrawal from ATMs of the Bank2 1․ Mastercard Standard – 0%
2․ Visa Gold – 0%
4. Commission fee for cash withdrawal from ATMs of other banks of ArCa system:
1․ Mastercard Standard – 1%
2․ Visa Gold – 1%
5. Annual service fee for the 2nd card account in foreign currency: 50% discount from the annual fee for servicing Visa Gold or Mastercard Standard card accounts operating in the Bank. Other terms of card account provision and service are defined in accordance with the information bulletins of Visa Gold or Mastercard Standard cards.
6. Additional provision of card account statement at the Bank, by mail or by email: Free of charge
7. Visa Signature card account annual service fee: 50% discount from the annual fee for Visa Signature debit or credit card account service at the Bank. The decision to issue a card under these conditions shall be made by the Bank. Other terms of card account provision and service are defined in accordance with Visa Signature debit or credit cards information bulletins.
8. Other conditions: Depending on the type of card, operating in the Bank, respectively,
2. Loans/Credit lines
9. Annual nominal interest rate: 14% - 16%
In case the client is an:
  • Employee of an organization operating in the field of information technologies;
  • Employee of a public organization;
  • Employee of an entity included in the list of 1 to 500 (inclusive) large taxpayer organizations.
15% -16%
in case the client is not an employee of the above areas
10.  Annual actual interest rate: 14.93% - 17․67%
16․08% -17․67%
11. Other conditions: According to the Bank’s information bulletin on “Profi” loan provision terms and conditions.
12. Rental fee: 20% discount according to Deposit box rental terms and conditions.
13. Other conditions: According to Deposit box rental terms and conditions.
14. Online/Mobile banking: Free of charge
5. Rocket Line
15. Limit
Up to 11x the net salary3, maximum AMD 10,000,000.
16. Terms and conditions: According to the information bulletin ROCKET LINE loan/credit line limits
17. Conditions for provision of IDSALARY և IDSALARY+ packages: The package is provided to individual customers who plan to receive/receiving their salary through the Bank, regardless of the existence of a cooperation agreement with the employer. Receiving a net salary of AMD 200,000 per quarter through the Bank is considered to be the minimum salary to use the package.
18. IDSALARY package connection fee: Free of charge
19. IDSALARY+ package connection fee: AMD 6,000 payable at one time.
The package includes all the services of IDSALARY package of this information bulletin, as well as the "Financial Insurance" type of insurance, which is provided for a period of one year. The terms of the insurance are defined in accordance with the terms of cooperation with "Nairi Insurance" CJSC.
120. Package monthly service fee: Free of charge

1 To activate the package: in conditions case of receiving the salary on another card/account of the Bank different from the cards defined in point 1 of this information bulletin, the terms of provision and service of the mentioned card/account in the Bank are valid, but the customer may also use the privilege defined in points 5 to 19 of IDsalary, IDsalary + packages.
This tariff is valid in case of withdrawals from the account up to 1,000,000 AMD (equivalent foreign currency) during the calendar month. In case of exceeding the limit, a 1% cash withdrawal commission will apply. The mentioned tariff applies to newly ordered cards and term reissues from 20.09.2021.
At the same time, the Rocket Line limit in the amount of minimum net salary is provided if the client does not have overdue current debt, the risk class is standard, and the necessary information about the salary is available at the Information and Technology Center of Nork Social Services. At the same time, Rocket Line limit in the amount of salary is provided within a maximum of 3 days.


1. The provision of the package shall be based on the written consent of the customer
2. Periodic inspections may be carried out by the Bank for the provision and maintenance of preferential terms set forth in this information bulletin. In case of absence of salary as a result of the inspection, the Bank has the right to unilaterally change the terms of service of the product/service in accordance with the tariffs of the Bank.
3. In case of refusal of the package by the customer, the services included in the package are provided in accordance with the tariffs of the Bank.
4. Disputes arising between the parties can be resolved in a judicial order or through the Financial System Mediator (in accordance with the RA law “On Financial System Mediator”), located at 15 M. Khorenatsi St, “Elite Plaza” business center, 7th floor, Yerevan 0010, RA, email –, telephone – (+37460) 70-11-11, fax – (+37410) 58 24 21. Moreover, in case if the amount of the property claim does not exceed 250,000 (two hundred fifty thousand) AMD or equivalent in foreign currency, the decisions of the financial system cannot be challenged by the Bank.
5. For the purpose of proper study of the client as defined by RA law on “Combating money laundering and terrorism financing” the Bank may require additional documents or information based on “Know Your Client” principle.
6. According to the agreement with the USA based on the Foreign Account Tax Compliance Act (FATCA) the Bank may collect additional information for the purpose of identification of the fact of the client being a US taxpayer.
7. The client has the right to communicate with the Bank through a preferred means of communication: e-mail of regular post. The electronic means of communication is the most comfortable. It is available 24/7 and is free of the risk of losing information in paper as well as ensures confidentiality."
8. The list of branches and ATMs of the Bank, information on their locations and working hours can be found at the following link: Branches and ATMs։
9. Remote servicing of physical entity clients by the Bank is provided through the online system. The order and tariffs on rendering remote servicing are presented in “Public terms on remote banking services”. 



The page was updated 21.09.2021 09:54
The following documents are required
 to the bank to use the IDsalary or IDsalary + package

  •                 ID document             

  • Public service number /reference on non-receiving the PSN

  • Other documents if necessary

The page was updated 08.02.2021 18:01
Attention: The Bank does not bear any responsibility for the inaccuracy of information on the linked web sites, nor does it accept any responsibility for the advertisements therein or possible consequences arising out of use of information provided on the linked web-sites. In case of any discrepancies in the website materials in Armenian, Russian and English languages, the Armenian version is prevailing.