UNISTREAM

Remittances
UNISTREAM

UNISTREAM

UNISTREAMsystem is represented in over 100 countries around the world in about 300 000 service centers. Transfers are available in USD, RUB and EUR.

Card2cash online transfers via UNISTREAM

Both VISA and MasterCard cardholders can take advantage of this service available 24/7 via Card2cash online transfers via UNISTREAM

Term and Conditions for UNISTREAM Transfers Conducted in Artsakhbank Branches

Transfer Amount Currency	USD, EUR, RUB If required, the Bank can convert foreign currency in accordance with the Bank’s current exchange rate for the due day of transaction. Transfers to Belarus, Moldova, Kazakhstan and Tajikistan can be conducted in the country’s national currency as well.
Receiving Amount Currency	USD, EUR, RUB If required, the Bank can convert foreign currency in accordance with the Bank’s current exchange rate for the due day of transaction. Transfers to Belarus, Moldova, Kazakhstan and Tajikistan can be received conducted in the country’s national currency as well.
Transfer Term	5-10 minutes
Maximum Amount of a Transfer	In RUB: 900 000 In USD: 20 000, to cardholders of China Union Pay: 5 000 In Euro: 15 000 Turkmenistan: USD 5 000 or equivalent RUB/EUR Turkey: USD 7 000 or equivalent RUB/EUR (temporary terminated) Ukraine։ (without mentioning the Beneficiary’s address): USD 5 000 or equivalent EUR Lithuania: USD/EUR
Commissions	Commissions are charged from the Sender only, in AMD according to the average exchange rate defined by the CBA on the transfer due day.
Transfer Direction (according to the list of countries defined by the Unistream system)	Commissions
Throughout Armenia	0.6%
To Russia	1.0% 0% for dual currency (an option for the Customer to receive the money transferred in a currency different from the transferred amount currency, that is RUB/USD and vise versa) transfers
To the countries of CIS: Belarus, Kazakhstan, Kyrgyzstan, Moldova, Uzbekistan	1.5% 0% for dual currency (an option for the Customer to receive the money transferred in a currency different from the transferred amount currency, that is RUB/USD and vise versa) transfers
To Ukraine	1.0% for transfers without mentioning the Beneficiary’s strict address 0% for dual currency (an option for the Customer to receive the money transferred in a currency different from the transferred amount currency, that is USD/EUR, EUR/USD) transfers
To Turkmenistan	2% 0% for dual currency (an option for the Customer to receive the money transferred in a currency different from the transferred amount currency, that is RUB/USD, EUR/USD and vise versa) transfers
To the Baltic countries: Latvia, Lithuania, Estonia	1.5% 1.0%
To Greece	For transfers in Euro: 1.0% For dual currency transfers: 0%
To Georgia	1.5% 0% for dual currency (an option for the Customer to receive the money transferred in a currency different from the transferred amount currency, that is RUB/USD and vise versa) transfers
To Israel	for transfers under USD/EUR 3 000: 1.5% for transfers starting from USD/EUR 3 000: USD/EUR 35
To Europe, Asia, countries of the Pacific region and other countries	According to the tariffs defined by UNISTREAM
Transfers to the Cardholders of China Union Pay	for transfers under RUB 15 000: RUB 300 for transfers starting from RUB 15 000: 0% for transfers under USD 250: USD 5 for transfers starting from USD 250: 2% for transfers under EUR 250: EUR 5 for transfers starting from EUR: 0% for transfers under AMD 120 000: AMD 2 500 for transfers starting from AMD 120 000: 0%
Required Data on the Sender	Identity document ¹ Application form on Transfer set by the system The country and the city where the funds will be transferred to. The amount and charges The Beneficiary’s name, surname, patronymic name, if mentioned in the passport In some cases, the Beneficiary’s phone number should be provided as well, If required by the Beneficiary’s country requirements The Bank is obliged to provide the Customer with the corresponding receipt for the transfer conducted.
Required Data on the Beneficiary	Identity document¹ Transfer verification code The Sender’s name, surname The amount and currency of the transfer
Changes to the Transfer Requisites	Changes are made on the due day of the application submission, without additional charges, upon the Sender’s application and provision of ID at the servicing point where the money transfer transaction has been carried out. Changes are made in accordance with the procedure of the transfer system. Only unpaid transfers are subject to changes.
Transfer Cancellation	Transfer can be cancelled on the due day of the application submission, without additional charges, on the same day of the transfer upon the Sender’s application on transfer cancellation and provision of ID. When cancelled, the transfer amount and commissions are returned by the Bank to the Sender. Only unpaid transfers are subject to cancellation.
Transfer Return	Transfer can be returned by whole without additional charges, upon the Sender’s application on transfer cancellation and provision of ID. The funds are returned within one banking day. Commission charged for the transfer is not returned. Only unpaid transfers can be returned.
Transfer Validity	30 days

¹ list of identity documents is defined by the RA Government Decision N 767 of Dec.22, 1999

Transfers via UNISTREAM payment system are conducted both by mentioning the Beneficiary’s address and without address. In case of transfers without mentioning the address, the Beneficiary can get the transferred funds at any service point of UNISTREAM independent of the transfer. For the transfers with strict address, they should be provided in the service center mentioned by the Sender.

Transfers are served to natural persons for non-commercial purposes in any branch of Artsakhbank.

For more details on UNISTREAM system, including service centers locations, commissions, please visit www.unistream.ru

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