AMIO Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
AMIO Bank suits savers in Armenia who want a high fixed return and can leave their money in place. Its time deposit pays a headline rate of 9.75%, while a AMD 30,000 minimum makes it less suitable for small balances or savers who need easy access.
Key facts
- Best for
- Armenian savers seeking a high fixed rate for a defined term.
- Headline rate
- 9.75%↗
- Rate type
- Fixed↗
- Term
- 1 to 36 months↗
- Minimum deposit
- AMD 30,000↗
- Access terms
- Time deposit 31-1095 days (AMD, USD), 31-730 days (EUR, RUB); auto-prolonged to demand deposit at maturity↗
- Account kind
- Fixed↗
- Legal entity
- "AMIO BANK" CJSC↗
- Headquarters
- Armenia↗
- Founded
- 1991↗
- Support channels
- Phone, Email↗
- Pricing model
- Fixed rate
- Official website
- amiobank.am
Loans
Debit cards
- Card type
- Debit↗
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataLinkedInfacebook.com
Pros and cons
Pros
- The time deposit offers a competitive headline rate of 9.75%.
- The account uses a fixed rate, with terms of 1 to 36.
- AMIO Bank is regulated by the Central Bank of Armenia.
- The bank provides support through phone and email.
Cons
- A minimum deposit of AMD 30,000 puts the account beyond the reach of some small savers.
- Access terms vary by currency, and the deposit is automatically prolonged to a demand deposit at maturity.
Who it suits
- Savers in Armenia who want a fixed return rather than a variable rate.
- People who can place AMD 30,000 and keep the money deposited through the selected term.
- Customers comfortable choosing a time deposit that becomes a demand deposit at maturity.
Who should look elsewhere
- Savers wanting a lower entry balance than Wise and bunq.
- People who need immediate access throughout the deposit term.
- Customers focused on everyday interest rather than AMIO Bank's headline rate of 9.75%.
How AMIO Bank compares
9.2 vs 8.0
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.9
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 9.3
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0- 9.2 vs 8.0
9.2 vs 9.0
9.2 vs 8.6
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4- 9.2 vs 8.0
9.2 vs 9.0
Where AMIO Bank is available
- Available
- Armenia
- Licence in Armenia
- Central Bank of Armenia (40), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does AMIO Bank offer?+
The fixed-rate time deposit has a headline rate of 9.75%. This is the main feature separating it from the listed alternatives, whose headline-rate references are lower.
What type of account is this?+
It is a fixed-rate time deposit, with a fixed rate and terms of 1 to 36. The account kind is fixed, so the return is presented for a defined period rather than as a flexible balance.
How much must I deposit?+
The minimum deposit is AMD 30,000. Savers wanting to compare smaller starting balances may find the listed bunq and Wise headline rates more relevant to their search.
How long can I leave the money?+
Available terms run for 1 to 36. The access terms differ by currency, so the permitted period can depend on whether the deposit is held in AMD, USD, EUR or RUB.
What happens at maturity?+
At maturity, the time deposit is automatically prolonged to a demand deposit. Savers should account for that switch if they expect the balance to remain accessible after the selected term.
How can I contact AMIO Bank?+
Support runs through phone and email. Customers can therefore contact the bank by phone or email, although the stated support channels do not include live chat.
Is AMIO Bank regulated?+
AMIO Bank is regulated by the Central Bank of Armenia. The licence reference is 40, confirming the stated banking regulator.
Does AMIO Bank offer a variable-rate account?+
The stated deposit uses a fixed rate, not a variable rate. Its headline rate is 9.75%, and the rate type remains fixed for the selected term.
Sources
- amiobank.am checked September 26, 2026
Backs: Card type, Headline rate
“Credit and debit cards”
- amiobank.am/en/deposits checked September 26, 2026
Backs: Access terms, Account kind, Headquarters, Legal entity, Minimum deposit, Pricing model, Rate type, Support channels, Term
“Term: 31 - 1095 days (AMD, USD) 31 - 730 days (EUR, RUB) ... the agreement shall be deemed to have been prolonged on the terms of a demand deposit”
- amiobank.am/en/loans/consumer-loans checked September 26, 2026
Backs: Loan amount, APR, Features, Funding time, Lender type, Loan types
“Online loan: Amount up to AMD 15 million”
- amiobank.am/en/loans/mortgage-loans checked September 26, 2026
Backs: Fixed period, Initial rate, Product fee, Purpose
“Purchase from a Developer - Term up to 30 years”
- en.wikipedia.org/wiki/List_of_banks_in_Armenia checked September 26, 2026
Backs: Founded
“founded in 1991 as Arminvestbank”
- cba.am/en checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.