Bank Account in Armenia for Non-Residents in 2026: Documents and Options

In short

• In the public bank terms we reviewed there is no ban on accounts for foreigners, but there is no single document list either: the package is set by the bank.
• All published terms ask for a passport and proof of source of income.
• For a simplified remote route banks want a "link" to Armenia: residence permit, property, sole proprietorship or deposit.
• Bank terms change. The data in this article was checked on official websites on 20.10.2026; some banks do not date their documents.

Documents banks ask for

A note on IDBank. The leaflet mentions income certificates "for 2021-2022", so the document has not been updated. Before sending your package, ask for the current list at nonresident@idbank.am.

Residence permit, social number and lease

• Residence permit or property. IDBank explicitly asks for one of the two. For remote opening Evocabank names four categories: owner of real property in Armenia (confirmed by a registration certificate), a client ready to place a deposit, a sole proprietor registered in Armenia, a participant in an Armenian legal entity.
• Lease agreement. In the published terms of these two banks a lease is not named as a basis. A lease alone is probably not enough, but the decision is the bank's.
• Social number. The document lists of IDBank and Evocabank do not mention it. More on it: social number and tax number. It is needed for a tax number (or a certificate that you do not have one).
• Tax residency. Tax on interest and income depends on it, see tax residency.

There are different grounds for a residence permit: grounds for a residence permit.

Remotely or in person

So "fully remote" does not work at IDBank: at least one visit is needed. Evocabank declares opening without a visit, but only for the listed client categories.

At IDBank, after approval you can open accounts and cards (Visa Debit, Mastercard) in drams, dollars, euros and rubles. For large transfers and withdrawals other than deposits and the bank's bonds, a separate agreement with the bank is possible.

Tariffs: what we could verify

We did not find tariffs for individual non-residents on public pages. What exists:

This is a tariff for legal entities and sole proprietors, do not transfer it to a personal account. Ameriabank has a section "Accounts for Non-Citizens of RA", but its content did not load when we checked. Inecobank's non-resident page returned an access error. We do not give data on them.

Russian citizens: what is known

• IDBank's and Evocabank's published terms do not list citizenship as a restriction. But banks check the source of income and may refuse.
• What exactly Armenian banks do with Russian cards and transfers from sanctioned banks we did not verify from primary sources. That is a separate topic: banks and transfers from Russia.
• Banks may ask for information on tax residency. We did not confirm regulators' requirements to banks from a primary source.

Step by step

1. Decide which "category" you fit: residence permit, property, sole proprietorship, deposit, employment contract.
2. Collect your passport, proof of income and the bank's questionnaire. Ask the bank whether translation of documents is needed.
3. Send the application to the stated e-mail or through the app.
4. Wait for the decision. IDBank: 72 hours.
5. If a visit is needed, book a branch appointment.
6. If the bank refuses, ask which document was missing and apply to another bank with its terms in mind.