This page compares 5 accounts available in Armenia, listing minimum deposit, monthly fee, how to apply and non-resident eligibility one by one: 0 can be opened fully online, 1 explicitly accept non-residents, 4 have no minimum deposit. Click any account for the full document checklist, pros and cons and common rejection reasons.
Data updated 2026-10-01 · compiled from published bank terms
| Account | Region | Type | Minimum deposit | Monthly fee | How to apply | Non-residents | Rating |
|---|---|---|---|---|---|---|---|
| Ameriabank | Armenia | Traditional Bank | 无强制最低余额；非居民客户尽职调查费 20,000 AMD（约 ¥370） | 半年均流水达标则免管理费，否则约 1,000 AMD/半年 | Must visit | Conditional | ★ 4.2 |
| Inecobank | Armenia | Traditional Bank | 无最低开户金额，也无最低账户余额要求 | 非居民账户维护通常免费 | Must visit | Conditional | ★ 4.1 |
| IDBank | Armenia | Digital Bank | 通过 IDBanking.am 或 Idram&IDBank App 开户免费，无最低存款 | 线上平台与 App 维护免费，非居民约 20,000 AMD/年 | Remote or in person | Conditional | ★ 4 |
| Unibank | Armenia | Traditional Bank | 开户免费，无强制首存 | 非居民多币种卡约 100,000 AMD/年，GOLD 卡约 200,000 AMD/年 | Must visit | Non-residents OK | ★ 3.9 |
| Ardshinbank | Armenia | Traditional Bank | 单币种账户开户费 15,000 AMD（约 ¥280） | 约 400 AMD/月/卡 | Must visit | Conditional | ★ 3.8 |
1 of the 5 accounts on this page explicitly accept non-residents (Unibank). "Accepts applications" does not mean guaranteed approval — banks still assess your ID, proof of address and source of funds. Without local residence or a tax number, prefer accounts marked as remotely openable.
In most cases yes. None of the accounts on this page is fully online — expect a branch visit or a scheduled interview, or use a provider that supports remote onboarding.
Minimums vary widely — see the "Minimum deposit" column. 4 account(s) have no minimum deposit, so you need not fund on day one. Also watch the minimum balance and monthly fee; dormant accounts can incur charges.
It depends on the account: online accounts are usually approved within minutes to a few working days, while branch or manually reviewed accounts typically take 1 to 3 weeks. The "How to apply" column shows the channel for each account, and timings are on the individual pages.