SMART account is a bank account opened online, without need to visit the Bank. It comes with a free-of-charge Visa Classic or Mastercard Standard payment card if you wish so and Online Banking, which enables you to manage your accounts and perform banking operations 24/7.

SMART accounts can be opened online any time. Bank approves your application:

You can open SMART account from any corner of the world. All you need is:

You can turn your SMART account with restricted access into a full SMART account by passing full identification either via video call or personal visit to any branch of the Bank. To book video call date/time you need to enter an Online banking system, click the "Restricted" button on your homepage and select preferable date and time for the video call.

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Currently only resident-citizens of the Republic of Armenia can open SMART accounts remotely.

You can top-up your SMART account and ordered payment card via:

A video call is a video-recorded call to perform your full identification by the Bank’s call operator. Once properly identified, you will be able to change the status of the restricted access of your Smart account into unrestricted access as well as activate your payment card. You can book a video-call by selecting a convenient date and time in your SMART account application.

While opening a SMART account with restricted access Bank compares the data provided by the client (including passport details, photo, etc.) with the data available for the Bank. To change the status of the restricted access of the Smart account into unrestricted access you will pass full identification via video call, providing personal and professional activity details required for proper due diligence of your profile.