Deposit «Privé»

Unibank offers physical and juridical persons highly profitable deposit «Privé» that can be placed both in AMD and foreign currencies: USD, EUR, RUB. The main advantage of the deposit is high profitability even for short period of placement. The annual interest rate is up to 10.0% if the deposit is placed in AMD.

Deposit «Privé» allows not only to have high interest but also to make effective use of one’s savings. It is possible to replenish or partially recall the deposit sum as well as to select interest payment option: monthly or at the termination of the deposit contract.

By placing deposit «Privé» to the amount 20 mln AMD or 50 000 USD/EUR or equivalent RUB one becomes a participant of Unibank Privé program that enables to use wide spectrum of financial services.

General conditions





DEPOSIT VALIDITY /10.10.17 - 31.12.17/






30 DAYS 31-60 DAYS 61-80 DAYS 81-90 DAYS 91-180 DAYS 181-270 DAYS 271-365 DAYS 366-730 DAYS
Annual interest rate USD 1.0% 2.0% 2.0% - 2.5% 2.2% - 2.7% 2.5% - 3.0% 2.9% - 3.5% 3.8% - 4.4% 4.1% - 4.7%
EUR 0.5% 1.0% 0.65% - 1.25% 0.7% - 1.3% 0.9% - 1.5% 1.4% - 2.0% 2.5% - 3.1% 2.6% - 3.2%



30-40 DAYS 41-60 DAYS 61-80 DAYS 81-90 DAYS 91-180 DAYS 181-270 DAYS 271-365 DAYS 366-730 DAYS
Annual interest rate AMD 5.0% 5.5% 5.3% - 5.8% 5.8% - 6.3% 7.9% - 8.5% 8.4% - 9.0% 9.4% - 10.0% 9.4% - 10.0%
RUB - - - - 5.0% - 6.0% 6.5% - 7.0% 8.5% - 9.0% -
  • The deposit is designed for physical and juridical persons – clients of Private Banking.
  • The payment of interest is made monthly or at the end of the term.

Tariffs and fines

  1. In case of preterm annulment of the deposit contract on the depositor’s initiative (only for physical persons) in a term of more than 30 days, deposit interest is being accrued on 4%/2%/1%/1% annual rate accordingly for AMD/ USD/EUR/RUR on the term of actual placement of the money in the Bank. In case of preterm annulment of the deposit contract in a term of no mere than 30 days, deposit interest is being accrued on 0.1% annual rate.
  2. The deposit sum and interest payments are being conducted by a transfer on current banking accounts of the client. The payment for the annual service of the accounts is being withdrawn from current banking accounts of the client according to active bank tariffs and rates.

Information on interest rates

  1. Simple annual interest rate - e is interest rate fixed on annual basis in deposit contract upon which interest is calculated and aid to depositor Interest calculation formula for this deposit product:

    (DA * I / 365 * Days)*90% (– 10% income tax), where

    DA – deposit amount placed
    I – simple annual interest rate
    Days – number of days for which the deposit is placed, taking into consideration paragraph 1 of article 907 of the Civil Code of RA according to which deposit interest is not accrued on the day of placement and recall of the deposit.
    Sample 1
    Validity of deposit - 365 days
    Deposit amount - 40 000 000 AMD
    Annual interest rate – 10.0%

    40 000 000 * 10 /100 / 365 * 363 *90% = 3 580 274 AMD

  2. Annual Percentage Yield (APY) shows how much will be the annual yield of the deposit after payment by the client of all the mandatory payments related to the deposit and adding the received interest to the principal amount (capitalization).

    where

    A -is the initial deposit amount.
    n- is the consecutive number of the deposit related monetary flows.
    N- is the last number of the deposit related monetary flows (including the monetary flow at the moment the deposit started), after which the deposit agreement term is being considered as expired.
    Kn - the flows of the deposit invested at the moment of the deposit opening and/or during the operation of it, as well as the flow of the capitalized interests, and, if available, of the mandatory fees.
    Dn - is the number that indicates how many days are passed from the moment the deposit has been opened till the deposit related monetary flows are being done, including the consecutive n-th one. In case the monetary flows are at the moment of the deposit opening, D1=0.
    APY- is the Annual Percentage Yield.

  3. Annual percentage yield on deposits with regular payment of interest is calculated by the following formula:

    APY= (1+r/n)n - 1, where

    APY - annual percentage yield
    r - simple annual interest rate
    n - frequency of interest sum capitalization during a year

    if interest is paid on monthly basis: n =12 , then
    APY= (1+0.094/12)12 - 1,
    APY=0.0982*100=9.82%
    If interest is paid at the end of the term: n =1 , then
    APY= (1+0.10/1)1 - 1,
    APY=0.10*100=10.0%

Information on depositors’ rights protection

Any disputes and disagreement, arising during account service or deposit contract validity, are regulated by mutual consent of the parties. In case of failure, depositor’s rights are protected in legal form, in cases stipulated by the law – in arbitral form as well as via financial ombudsman. Depositor can protect his/her rights personally or through authorized representative.

The Bank has no right to make concluding of deposit contract conditional upon conclusion of arbitration agreement.

Other information

  1. Interest is accrued on daily basis.
  2. Interest accrued to the deposit is subject to taxation (income tax) at the rate of 10%, according to the legislation of RA. The depositor is paid the sum less the tax
  3. If the deposit contract term coincides with holiday and/or week-days, the term is the subsequent first working day
  4. The deposits placed in the Bank are guaranteed by the Deposit Guarantee Fund, in accordance with the legislation of RA. The guaranteed deposits limits are as follows:
    • if deposit in AMD – 10 million AMD,
    • if deposit in foreign currency – 5 million AMD,
    • if a depositor has two deposits one of which in AMD, other - in foreign currency, and the sum of deposit in AMD exceeds 5 million AMD, only the deposit in AMD is guaranteed for 10 million AMD
    • if a depositor has two deposits one of which in AMD, other - in foreign currency, and the sum of deposit in AMD does not exceed 5 million AMD, the deposit in AMD is guaranteed in full, the deposit in foreign currency is guaranteed to the sum of difference of the deposit in AMD up to 5 million AMD.
      All the deposits in AMD placed in the same bank are considered to be one deposit, all the deposits in foreign currency are also considered to be one deposit. The joint deposit is a separate deposit in proportion to the share fixed in the contract.
  5. During a deposit account opening a bank account is mandatory. The payment for the annual service of the accounts is being withdrawn client according to active bank tariffs and rates and is stipulated by p.2.4 of the service agreement.

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Contact us

If you have questions or you would like to get additional information about Unibank Privé please call +374 10 595555 or fill in the application form. We will contact you at contact details mentioned in a message. We will be glad to give you more detailed information about our services, discuss offers about further cooperation and agree for convenient time and place of meeting!