Ameriabank
- Company typePrivate
- Founded1992
- HeadquartersYerevan, Armenia
- Headcount1,001–5,000
- GTM typeB2B and B2C
- OfferingServices
Ameriabank firmographics
Firmographics- Name
- Ameriabank
- Legal name
- Ameriabank CJSC
- Website
- https://ameriabank.am
- Company type
- Private
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Where Ameriabank is headquartered
LocationHeadquarters
- HQ city
- Yerevan
- HQ country
- Armenia
- HQ region
- Asia
Offices21 records
Markets served
Ameriabank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Net interest income on loans and advances: Loans and advances of AMD 1,697 billion (Y 2025), +28.3% YoY, representing the largest revenue source. Loan book spans mortgage (AMD 365 billion portfolio), corporate (AMD 1+ trillion portfolio), SME (17.4% of book), consumer, and individual (25% of book) lending.
- Card and transaction-based fees: Annual card servicing fees, ATM/cash withdrawal commissions, interbank card-to-card transfer fees (0.3% for own-network cards, 0.5% to other Armenian banks), SMS notifications (AMD 15/transaction), and POS acquiring merchant commissions.
- Capital markets and investment banking fees: Underwriting and arrangement fees on local-currency and USD bond issuances (e.g., Renshin AMD 10 bn, Alfa-Pharm AMD 1.5 bn, Intelligent Management Holding, Solis USD bonds), plus brokerage commissions, M&A advisory, and corporate finance mandates.
- Trade finance and FX transactions: Fees on letters of credit, guarantees, foreign exchange transactions, and remittances (MoneyGram, UBPay) for individuals and businesses.
- Safe deposit box and ancillary service fees: Rental income from individual and corporate safe deposit boxes, document issuance fees, brokerage custody, and similar ancillary banking services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Annual | ArCa Classic debit card: free issuance, free maintenance if online-ordered |
| Other | Annual | VISA Classic / Mastercard Standard: AMD 5,000/year (AMD 2,500 if via MyAmeria) |
| Subscription | Annual | VISA Gold / Mastercard Gold: AMD 2,000/month or AMD 20,000/year |
| Subscription | Annual | VISA Platinum / Mastercard Platinum: AMD 3,000/month or AMD 30,000/year |
| Subscription | Annual | VISA Signature: AMD 6,000/month or AMD 60,000/year (AMD 50,000 via MyAmeria) |
| Subscription | Annual | VISA Infinite: AMD 10,000/month or AMD 100,000/year (AMD 75,000 via MyAmeria) |
| Other | Pay-as-you-go | Refinancing promotion: 15–17% interest rate for transferred loans |
| Other | Pay-as-you-go | 0% consumer finance installment for 6 months |
| Other | Pay-as-you-go | Mortgage loan transfer: 1.5% rate reduction |
Go-to-market motion4 records
Distribution channels9 records
Marketing channels18 records
Ameriabank product offering
Product offeringCore offering
Ameriabank CJSC is a universal bank offering corporate, investment, and retail banking services in Armenia through a 100+ branch network and the MyAmeria digital ecosystem. It lends to retail consumers, micro/small businesses, SMEs, and large corporates (corporate loan portfolio surpassed AMD 1 trillion), underwrites bond issuations and provides M&A advisory, issues ArCa/Visa/Mastercard cards, accepts deposits, runs brokerage and custody services, and integrates banking with vertical ecosystems for housing (MyHome.am) and automotive (MyCar.am) finance.
Product overview
Ameriabank operates as a single integrated retail, business, and investment banking platform centered on the MyAmeria omnichannel distribution platform (web and mobile), with a wide portfolio of bundled products segmented across personal, micro/SME, and large corporate customer tiers. The core personal offering includes checking/savings account packages (Smart, Better, Persona, Premium, Partner, Social, Sector), a broad lineup of ArCa, Visa, and Mastercard debit and credit cards (including digital-only variants and premium cards with VISA Airport Companion access), consumer/mortgage/auto loans, deposits and bonds, and lifestyle mini-apps (MyInvest, MyPay, MyPoint, MyTour, MyGift, MyAmeria Star). On the business side, the MyBusiness digital ecosystem provides a one-stop online hub for SMEs, complemented by specialized MyHome (real estate) and MyCar (auto loans) ecosystems, full trade-finance and corporate-finance advisory, leasing, POS/e-commerce acquiring, brokerage, capital markets (underwriting of bond issuances such as the Team Telecom Armenia sustainability-linked bond), and M&A services. Cross-cutting transaction services such as MoneyGram, UBPay, Stak, MoneyTo, and card-to-card/Visa transfers are accessible directly through the MyAmeria channels, while partnerships with EBRD, IFC, ADB, BSTDB, FMO, Proparco, and EIB provide large-scale green and MSME loan facilities that underpin the bank's lending capacity.
Differentiator
Problem solved
Functional benefit
Brands
- MyAmeria: Mobile and online banking platform and super-app ecosystem for retail and business customers.
- MyInvest
- MyHome.am
- MyCar.am
- MyBusiness
- Persona
- MyAmeria Star
Products and services
- ArCa Classic Card National ArCa payment system debit card issued in Armenian dram for cash and cashless payments within Armenia, offering 2% monthly cashback on payments.
- Visa Classic / Mastercard Standard International debit cards for cash and cashless transactions in Armenia and abroad, available in AMD, USD, and EUR with overdraft capability and zero-fee withdrawals up to AMD 300,000/month at the bank's ATMs.
- Visa Digital / Mastercard Digital
Quantifiable outcome
- 28.3% YoY growth in loans and advances to AMD 1,697 bn (Y 2025)
- +5 more outcomes
Companies that use Ameriabank
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles7 records
Ameriabank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration16 records
AI capability3 records
Feature6 records
Ameriabank partnerships and signals
Strategic signalPartnerships
17 partnerships are on record, tiered core, flagship and minor.
- Firebird.aicoreAmeriabank invested $60 million in Firebird.ai's planned 100MW AI data center in Armenia, a public-private partnership with the Armenian government involving NVIDIA and Dell Technologies. Aimed at building one of the world's top five AI GPU clusters.
- Arca National Payment SystemflagshipAmeriabank, Arca National Payment System and Bank of Georgia signed a Memorandum of Understanding during the PLUS Forum in Yerevan to promote interoperability between their payment systems, enabling instant transfers between Armenia and Georgia and establishing a host-to-host connection for card acceptance and servicing in Georgia.
- Bank of GeorgiacoreCounterparty in Memorandum of Understanding with Arca National Payment System and Ameriabank for cross-border payment interoperability between Armenia and Georgia.
- Lion Finance Group PLC (formerly Bank of Georgia Group PLC)flagshipHolding company of Ameriabank CJSC since April 2024, holding 90% significant participation in Ameriabank's charter capital. EBRD retains 9.99%. The Group is listed on the London Stock Exchange and joined the FTSE 100 Index in March 2026. Together they form one of the largest financial groups in the Caucasus region.
- NVIDIAcoreTechnology partner with Ameriabank and Firebird.ai for the planned 100MW AI data center in Armenia, providing GPU technology for the cluster.
- Dell TechnologiescoreTechnology partner with Ameriabank, Firebird.ai and NVIDIA for the planned 100MW AI data center in Armenia.
- TelcellminorCooperating payment company enabling bill payments and cash operations through Ameriabank's network.
- EasyPayminorCooperating payment company for bill payments through Ameriabank's network.
- MobiDramminorCooperating payment company for bill payments through Ameriabank's network.
- IdramminorCooperating payment company for bill payments through Ameriabank's network.
- UpayminorCooperating payment company for bill payments through Ameriabank's network.
- HaypostminorCooperating payment company (national postal service) for bill payments through Ameriabank's network.
- FastShiftminorCooperating payment company for bill payments through Ameriabank's network.
- Acba BankminorJoint partner with Ameriabank responsible for providing POS terminal capability to retail/service points (ASCs) that are not yet equipped for cashless payments, per Armenian law requiring cashless acceptance capability.
- MoneyGramcoreGlobal money transfer network partner enabling Ameriabank customers to send and receive international remittances via MoneyGram service.
- Team PayminorCo-branded Team Pay Visa Classic Digital 16 card can be ordered exclusively through Team Pay company's online platform.
- Amber CapitalminorAmber Capital manages Solis CJSC, whose USD bonds Ameriabank is arranging for public offering (June 4 – July 30, 2026).
Scale indicators23 records
Recent moves7 records
Expansion highlights5 records
Ameriabank competitors and assessment
Company assessmentDirect peers
- Ardshinbank: Ardshinbank is one of Armenia's largest universal banks and Ameriabank's closest direct competitor, offering a comparable retail, SME, and corporate banking proposition across the same 12-marzes footprint. Both banks compete head-to-head in mortgages, corporate lending, and digital banking in the Armenian market.
- ACBA Bank: ACBA Bank is a major Armenian universal bank and a direct competitor to Ameriabank across retail, SME, and corporate segments. Notably, ACBA is also Ameriabank's mandated joint partner for cashless POS infrastructure deployment under Armenian regulation, making the competitor-collaborator dynamic especially close.
- Converse Bank: Converse Bank is another Armenian universal bank offering retail, corporate, and investment banking services that directly competes with Ameriabank for the same customer base, particularly in Yerevan and the corporate segment.
- Bank of Georgia: Bank of Georgia is the flagship subsidiary of Lion Finance Group PLC (Ameriabank's 90% parent) and the entity from which the group took its former name. It is the most direct regional comparable — a similarly positioned universal bank in a neighboring Caucasus market — and a counterparty in Ameriabank's cross-border payments MoU.
- TBC Bank: TBC Bank is a leading Georgian universal bank listed on the London Stock Exchange, directly comparable to Ameriabank in terms of universal banking model, digital super-app strategy (TBC Bank app ecosystem), and Caucasus regional positioning.
- Armbusinessbank (now part of Ardshinbank group): Armbusinessbank historically operated as one of the top Armenian universal banks and has been consolidated into the Ardshinbank group, strengthening that competitor's position versus Ameriabank in corporate, retail, and investment banking across Armenia.
Broad incumbents
- Halyk Bank: Halyk Bank is Kazakhstan's largest universal bank and a regional incumbent comparable in scale (multi-billion-dollar assets) and product breadth to Ameriabank, though operating in a substantially larger and more liquid market. Provides a relevant benchmark for EM universal-bank economics.
- Raiffeisenbank Armenia: Raiffeisenbank Armenia is the local subsidiary of Raiffeisen Bank International, providing universal banking services in Armenia with the backing of a large European banking group. It competes with Ameriabank in the corporate and premium retail segments and offers a useful comparison for foreign-bank-owned universal banking in Armenia.
Emerging players
- ProCredit Bank Armenia: ProCredit Bank Armenia is a development-oriented bank focused on SME and green lending, backed by the international ProCredit Holding. It overlaps with Ameriabank in the MSME and green-finance segments and competes for the same DFI-funded MSME customer base.
Others
- Visa Inc. Visa is the dominant card network on which Ameriabank issues its Visa Classic/Gold/Platinum/Signature/Infinite and Visa Digital products and through which it processes cross-border Visa Direct transfers. As a network partner and infrastructure provider, Visa is an essential enabler of Ameriabank's card-based revenue model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
Ameriabank social profiles
Digital presenceAmeriabank compliance and trust
Trust signalCompliance2 records
Ameriabank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ameriabank leadership team
Management profileNumber of profiles
Profiles4 records
Ameriabank funding detail
Funding detailFunding overview
Funding rounds9 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ameriabank M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Ameriabank
What does Ameriabank do?
Ameriabank CJSC is a universal bank offering corporate, investment, and retail banking services in Armenia through a 100+ branch network and the MyAmeria digital ecosystem. It lends to retail consumers, micro/small businesses, SMEs, and large corporates (corporate loan portfolio surpassed AMD 1 trillion), underwrites bond issuations and provides M&A advisory, issues ArCa/Visa/Mastercard cards, accepts deposits, runs brokerage and custody services, and integrates banking with vertical ecosystems for housing (MyHome.am) and automotive (MyCar.am) finance.
Is Ameriabank a public or private company?
Ameriabank is a private company. It is classified as corporate owned and is currently operating.
When was Ameriabank founded?
Ameriabank was founded in 1992. It employs 1,001 to 5,000 people.
Where is Ameriabank based?
Ameriabank is headquartered in Yerevan, Armenia, in the Asia region.
How does Ameriabank make money?
Five revenue lines are on record. Net interest income on loans and advances are the primary driver. The others are card and transaction-based fees, capital markets and investment banking fees, trade finance and FX transactions and safe deposit box and ancillary service fees.
Who are Ameriabank's main competitors?
Direct peers on record are Ardshinbank, ACBA Bank, Converse Bank, Bank of Georgia, TBC Bank and Armbusinessbank (now part of Ardshinbank group). Broad incumbents are Halyk Bank and Raiffeisenbank Armenia. ProCredit Bank Armenia is listed as an emerging player. Visa Inc. is listed as an others.
Does Ameriabank have an API?
No public API is recorded for Ameriabank.