Unibank Invest review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Unibank Invest pays 9.7% on a fixed-term deposit and runs a stock, ETF and bond platform alongside it, which suits savers in Armenia who want a locked return and somewhere to start investing. Beginners are the intended audience, and the account carries no monthly charge.
Key facts
- Best for
- Savers in Armenia who want a locked rate and a place to start investing.
- Headline rate
- 9.7%↗
- Rate type
- Fixed↗
- Term
- 1 to 24 months↗
- Minimum deposit
- AMD 100,000↗
- Monthly fee
- AMD 0↗
- Account kind
- Fixed↗
- Legal entity
- Unibank OJSC↗
- Headquarters
- Armenia↗
- Support channels
- Phone, Community↗
- Pricing model
- No monthly fee, Fixed rate
- Official website
- unibank.am
Pros and cons
Pros
- No monthly charge: the account fee is AMD 0 and the monthly fee is AMD 0, so the fixed rate is not trimmed by account costs.
- The investing side covers stocks, etfs and bonds under the same name as the deposit, so a saver can start buying without moving banks.
- Platforms come as Mobile app and Web terminal, and a demo account lets you try the markets before committing money.
Cons
- The minimum deposit is AMD 100,000, which puts it out of reach for anyone saving a small amount each month.
- Support runs on phone and community only, with no email or live chat route in.
- The market list is stocks, etfs and bonds, so there is no fund, crypto or forex dealing here.
Who it suits
- Savers in Armenia with a lump sum they can leave untouched for a fixed term.
- Beginners who want a plain deposit and a first stock, ETF or bond purchase in the same app.
- People who would rather hold no account charge and keep the full rate.
Who should look elsewhere
- bunq, whose headline rate is 3.01%, if you would rather take a much lower rate than Unibank Invest pays.
- Wise, whose headline rate is 3.29%, if you are weighing a lower rate and a different kind of account.
Rates and terms
The deposit pays 9.7% on a fixed basis, and the money stays put for a term of 1 to 24. A fixed rate is set when you open the account, so the interest is known for the whole period and does not move with the market. It suits savers who can leave the money untouched until the term ends.
Who runs it
The account is run by Unibank OJSC, which is based in Armenia. Support runs on phone and community, so a phone call and a customer community are the routes in, with no email address or live chat. The bank also runs the investing app, so the deposit and the markets sit under a single name.
How Unibank Invest compares
Where Unibank Invest is available
- Available
- Armenia
- Licence in Armenia
- Central Bank of Armenia, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate do I get on the Unibank Invest deposit?+
The deposit pays 9.7% on a fixed basis, so the rate is agreed when the account opens rather than moving with the market during the term. Across the site, savings accounts sit at a 3% median, so this sits well above the middle of the table.
How long must I leave my money in the account?+
You choose a term of 1 to 24, and the fixed structure means this is not a savings pot you dip into. Plan for the money to stay put until the term ends, and pick the shorter end of the range if you may need the balance sooner.
What is the minimum deposit?+
The minimum deposit is AMD 100,000. Most savings accounts on the site ask for far less, so this figure is the main thing to check before you apply. If it is out of reach, keep the money elsewhere until the balance is there, then open the account.
What does it cost to hold the account?+
The account fee is AMD 0 and the monthly fee is AMD 0, so holding the deposit and the investing account costs you nothing in charges. That means the fixed rate is what you keep rather than something trimmed by account costs.
Who runs Unibank Invest and how is the account supervised?+
The account is run by Unibank OJSC, based in Armenia, and the Central Bank of Armenia is the regulator named for it. Weigh that against any protection terms printed in the bank's deposit conditions before you commit a large balance.
Can I invest as well as save with the same provider?+
Yes, the investing side covers stocks, etfs and bonds and the account fee is AMD 0, so there is no charge for keeping it open. Bear in mind the 70.15% median share of retail investment accounts on the site loses money, so the deposit and the investments carry very different risk.
How do I get help if something goes wrong?+
Support runs on phone and community, so a phone call and a customer community are the routes in. There is no email or live chat channel in that list, so keep the bank's number handy if you hold a large balance in the fixed deposit.
Sources
- cba.am checked September 26, 2026
Backs: Licences
- unibank.am checked September 26, 2026
Backs: Account kind, Pricing model, Monthly fee, Rate type, Term
“Deposit term: Minimum: 30 days, Maximum: 730 days”
- unibank.am/en/service/rates checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“1-5, No 53, 12 Charents Str., Yerevan, 0025”
- unibank.am/hy/deposit checked September 26, 2026
Backs: Headline rate, Minimum deposit
“Deposit "Classic": deposit with a high rate of up to 9.7% annual interest rate for AMD and 4.25% annual interest rate for USD”
- unibankinvest.am/en checked September 26, 2026
Backs: Account fee, Audience, Features, Markets, Platforms
“Exclusive benefits WITHOUT an annual commission fee - Unibank Invest”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Related by the facts
Unibank Invest
Savers in Armenia who want a locked rate and a place to start investing.