Unibank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Unibank pairs a no monthly fee Visa debit card with a fixed account rate of 9.7% and a card that handles multi-currency spending. It suits Armenian residents who want everyday spending covered from one bank and still put money to work, with a regulated, established lender behind the account.
Key facts
Loans
- APR
- 16.61% to 19.25%↗
- Loan amount
- AMD 5,000,000 to AMD 100,000,000↗
- Term
- 1 to 24 months↗
- Credit check
- Hard↗
- Funding time
- 1 business day after state registration of the pledge (non-cash transfer to the borrower's bank account)↗
- Representative example
- Consumer loan secured on immovable property, 5,000,000-100,000,000 AMD, 24-240 months, actual annual rate 16.61% - 19.25%↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Armenian resident individuals, age 21-65 inclusive↗
- Loan types
- Personal, Secured, Student, BNPL↗
- Credit needed
- Good↗
- Pricing model
- No monthly fee, Fixed rate
Credit cards
- Card kind
- Credit↗
Pros and cons
Pros
- The card carries no monthly fee, with account fees of AMD 0 on the account side
- The account pays a fixed rate of 9.7%, above the site median of 3%
- A debit card on the visa network with multi-currency and travel features
- Lending runs through the bank itself as a direct lender, with loans of AMD 5,000,000 to AMD 100,000,000
Cons
- Support runs on phone only, so no written help centre or email
- Fixed accounts lock money in for a term of 1 to 24, longer than the site median of 36
- The card family is credit heavy, so rewards on spending are limited
Who it suits
- Armenian residents paying everyday bills from a multi-currency Visa card
- Savings builders who want a fixed rate and can leave the money for a term
- Beginners opening a first account with a bank that lends directly
Who should look elsewhere
- People who need email or live chat support, as help runs by phone only
- Savers who need instant access, since the account pays a fixed rate over a term
- Borrowers outside Armenia, as eligibility covers Armenian resident individuals
Rates and card terms
The savings side pays a fixed rate of 9.7% over a term of 1 to 24, which suits anyone who can leave the money alone for the period. The card is a debit card on the visa network with multi-currency and travel features, and there is no monthly fee to pay. Borrowing is priced at an annual rate of 16.61% to 19.25% for loans of AMD 5,000,000 to AMD 100,000,000.
The company behind it
The provider is Unibank OJSC, based in Armenia and founded in 2001. It holds a Central Bank of Armenia licence, number 81, so it operates inside the local regulatory system. Help is offered by phone, so questions go to a person rather than a written help centre.
How Unibank compares
8.7 vs 9.4
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Where Unibank is available
- Available
- Armenia
- Licence in Armenia
- Central Bank of Armenia (81), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly fee on the Unibank card?+
No monthly fee applies to the card, and the account side carries fees of AMD 0. That makes everyday spending cheaper to run than cards that add a standing charge each month.
What rate does the Unibank account pay?+
The account pays a fixed rate of 9.7%, which sits above the site median of 3%. A fixed rate means the return does not shift with base rates while the account runs.
How long do I need to leave my money in the account?+
The term runs 1 to 24, longer than the site median of 36. Money committed for that period is harder to withdraw early, so shorter savers may prefer an easy access account.
Can I borrow from Unibank directly?+
Yes. Unibank is a direct lender rather than a broker, offering personal, secured, student and buy now pay later loans of AMD 5,000,000 to AMD 100,000,000 at an annual rate of 16.61% to 19.25%. Applications run a hard credit check and ask for good credit.
What kind of card does Unibank issue?+
The card is a debit card on the visa network, with multi-currency and travel features built in. It is the card type most people use for everyday spending, and there is no monthly charge for holding it.
How do I get help if something goes wrong?+
Help runs through phone, so a phone call is the route. There is no written help centre or email channel listed, which is worth knowing before you open an account.
Is Unibank regulated?+
The bank is licensed by the Central Bank of Armenia under licence number 81, and the legal entity is Unibank OJSC. It has operated from AM since 2001.
Sources
- en.wikipedia.org/wiki/Unibank_(Armenia) checked September 26, 2026
Backs: Founded
“Founded 2001 (2001)”
- prive.unibank.am/en/aboutb/files/pdf/q19-1er.pdf 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: Legal entity
“"Unibank" OJSC is regulated by the Central Bank of Armenia.”
- 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, Markets, Platforms
“Exclusive benefits WITHOUT an annual commission fee - Unibank Invest”
- unibank.am/en/about checked September 26, 2026
Backs: Headquarters, Support channels
“+(374) 10 59 55 55”
- unibank.am/en/service/cards/over.php checked September 26, 2026
Backs: Card kind
“Credit Cards”
- unibank.am/en/service/cards/visa.php checked September 26, 2026
Backs: Card type, Features, Card network
“Debit Cards - Visa Classic”
- unibank.am/en/service/rates/6281 checked September 26, 2026
Backs: Product fee
“1.18.1 Review of loan applications secured by real estate 10.000”
- unibank.am/hy/service/consumer.php checked September 26, 2026
Backs: Lender type, Loan types
“Unibank offers consumer loans for buying goods and covering various needs and expenses”
- unibank.am/hy/service/consumer/fol checked September 26, 2026
Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Funding time, Representative example
“Loan amount 5,000,000 - 50,000,000 AMD without income analysis; 5,000,000 - 100,000,000 AMD with income analysis”
- unibank.am/hy/service/mort/6103 checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose
“Annual effective interest rate of the loan: 14.66% - 16.14%”
Compiled from 13 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
Unibank
Armenian residents wanting a fee free Visa debit card alongside a fixed rate account.