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Ardshinbank review

Updated October 12, 2026 · SumCue Editorial Team

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Our verdict

For citizens of Armenia managing everyday spending alongside planned purchases, Ardshinbank offers a Visa debit card with a connected credit line and direct lending across personal, secured and credit line options. You apply as an individual and provide monthly income evidence plus documents requested by the bank with phone support available.

Key facts

Best for
Ardshinbank Visa debit for everyday purchases
Card type
Debit↗
Card network
Visa↗
Currencies
5↗
Legal entity
Industrial Construction Bank CJSC↗
Headquarters
Armenia↗
Founded
2002↗
Support channels
Phone↗
Features
Credit line
Official website
ardshinbank.am

Loans

APR
9.37% to 23.26%↗
Loan amount
AMD 150,000 to AMD 50,000,000↗
Term
36 to 120 months↗
Credit check
Hard↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Citizen of the Republic of Armenia, an individual; consumer loan customers need a monthly income and to submit the documents required by the bank↗
Loan types
Personal, Credit-line, Secured↗

Savings

Access terms
Early recall of a time deposit: interest recalculated at the daily bank account rate↗

Mortgages

Purpose
Purchase↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInXinstagram.comfacebook.com

Pros

Pros

  • Visa debit card supports everyday purchases with connected credit line flexibility
  • Direct lending covers personal, secured and credit line options for purchases
Ardshinbank

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Who it suits

  • Citizens of Armenia seeking everyday debit spending
  • Individuals planning purchases with personal or secured borrowing

How Ardshinbank compares

Frequently asked questions

What does Ardshinbank offer for everyday spending?+

Ardshinbank provides a Visa debit card for everyday purchases and purchase related needs. The card includes a credit line feature that sits alongside debit use. You can use phone support to ask how the card and linked borrowing work together.

Who can apply to Ardshinbank?+

Ardshinbank welcomes citizens of the Republic of Armenia who apply as individuals. Consumer loan applicants show monthly income and supply documents requested by the bank. You should gather income evidence and requested paperwork before starting the process.

Which borrowing options does Ardshinbank cover?+

Ardshinbank acts as a direct lender for personal loans, secured loans and credit line facilities. The facilities support purchase needs and connect to everyday banking relationships. You can contact phone support to clarify which structure matches your circumstances.

Which company operates Ardshinbank?+

Ardshinbank is operated by Industrial Construction Bank CJSC. (Source, checked September 26, 2026)

Where is Ardshinbank based?+

Ardshinbank is based in Armenia. (Source, checked September 26, 2026)

When was Ardshinbank founded?+

Ardshinbank was founded in 2002. (Source, checked September 26, 2026)

How can I contact Ardshinbank support?+

Ardshinbank offers support through Phone. (Source, checked September 26, 2026)

Sources

Compiled from 8 source pages, checked October 13, 2026. We did not open an account.

Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.

Ardshinbank

Ardshinbank

Ardshinbank Visa debit for everyday purchases

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