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    ATM Fee Guide
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    ATM Fees in Armenia

    Armenian Dram (AMD) • Updated April 2026

    Armenia has a well-developed ATM network for the region. Major banks like Ameriabank and ACBA-Credit Agricole offer good foreign card acceptance. Card usage is growing in Yerevan but cash is essential elsewhere.

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    Tips for Armenia

    • • Ameriabank and ACBA-Credit Agricole ATMs work reliably
    • • Always choose AMD at ATMs, never USD conversion
    • • Yerevan has good card acceptance, regions need cash
    • • Russian cards may face restrictions due to sanctions
    • • Withdraw larger amounts as rural ATMs are scarce
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    Airport tips

    • • Zvartnots Airport has multiple bank ATMs
    • • Currency exchange at airport has fair rates
    • • Airport shuttle and taxis accept cash only
    • • GG Taxi app works from airport (can pay by card)
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    Don't forget your home bank fees

    The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.

    Estimated daily expenses

    How much cash you might need per day in Armenia, per person.

    Your currency:

    Backpacker

    Hostels, street food, public transport

    17,000-33,000

    AMD/day

    🏨 Accommodation8,000-15,000
    🍜 Food & drinks4,000-8,000
    🚌 Transport2,000-4,000
    🎟️ Activities3,000-6,000

    ≈ $45.37-88.08 USD

    Mid-range

    Hotels, restaurants, mix of transport

    53,000-102,000

    AMD/day

    🏨 Accommodation25,000-50,000
    🍜 Food & drinks12,000-20,000
    🚌 Transport6,000-12,000
    🎟️ Activities10,000-20,000

    ≈ $141-272 USD

    Luxury

    Premium hotels, fine dining, private transport

    150,000-280,000

    AMD/day

    🏨 Accommodation80,000-150,000
    🍜 Food & drinks30,000-50,000
    🚌 Transport15,000-30,000
    🎟️ Activities25,000-50,000

    ≈ $400-747 USD

    Cash vs card acceptance

    Where you'll need cash and where cards work in Armenia.

    Credit card acceptance

    Moderate

    Card acceptance has grown significantly in Yerevan, with most restaurants, shops, and hotels accepting cards. Outside the capital, cash is still king. Apple Pay and Google Pay work in many places. Yandex Go is the dominant taxi app (alongside GG Taxi) and is often easier for tourists to use with foreign cards.

    Regional differences

    • • Yerevan: Good card acceptance in restaurants, shops, supermarkets
    • • Gyumri and Vanadzor: Limited card acceptance
    • • Rural areas and monasteries: Cash only
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    You'll need cash for

    • • Marshrutkas (shared taxis)
    • • Rural shops and guesthouses
    • • Monastery donations
    • • Local markets
    • • Small cafes outside Yerevan
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    Cards usually accepted

    • • Hotels and hostels in Yerevan
    • • Restaurants in Yerevan
    • • Supermarkets (SAS, Yerevan City)
    • • Shopping malls
    • • Taxis via Yandex Go and GG apps

    💰 Cheapest banks for foreign cards

    These banks charge the lowest fees for withdrawals with foreign cards.

    BankATM FeeEst. CostBranches
    Ameriabank0 AMD0 USD55
    ACBA-Credit Agricole0 AMD0 USD60
    Ardshinbank500 AMD~1.30 USD70
    IDBank0 AMD0 USD35
    VTB Armenia1,000 AMD~2.60 USD25

    📍 Most widely available ATMs

    Sorted by number of ATM locations. More branches means easier access, but fees may be higher.

    BankATM FeeEst. CostBranches
    Ardshinbank500 AMD~1.30 USD70
    ACBA-Credit Agricole0 AMD0 USD60
    Ameriabank0 AMD0 USD55
    IDBank0 AMD0 USD35
    VTB Armenia1,000 AMD~2.60 USD25

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