Unibank About branch Services Online Banking Contact us
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Unibank About branch Services Online Banking Contact us


“Unibank” OJSC is a dynamically developing and one of the most demanded banks in Armenia, offering clients a wide range of services. The Bank has won the trust of the general public and acquired a flawless business reputation among its partners for over 20 years of operation.

Currently, Unibank has 54 branches, one of which is located in the AIFC, and more than 100 promo-points in various cities of Armenia. The bank has a representative office in Moscow. Around one third of the working-age population of Armenia uses the services of Unibank. At the end of 2020, Unibank took a leading position in the banking market in terms of the number of issued POS loans.

In 2018 SME Banking Club awarded Unibank with a certificate of the “Most Innovative Bank 2018”. VIP clients receive a high-level service. “Unibank Prive” won the SPEAR’S Russia Wealth Management Awards 2018 for “the best private banking customer service in the CIS countries”.
One of the most significant steps in the bank’s development was the introduction of IPO in 2015. In 2020, dollar bonds of Unibank passed a secondary listing on the Moscow Exchange and became available to a wide range of Russian investors. In 2020, the international payment system Visa granted Unibank the “Sustainability Icon” award, highly appreciating the results of a successful partnership.

Unibank also won the STP Quality Award 2020, set up by the Austrian bank Raiffeisen Bank International. Unibank provides free international settlements with all countries, thanks to a wide correspondent network, which includes such banks as Raiffaisen Bank International AG (Austria), Landesbank Baden-Wuerttemberg (Germany), Alfa-Bank (Russia), VTB Bank (Russia) and many others.

Moody’s Investors Service international agency confirmed the B2 rating to Unibank with a “Stable” Outlook.


Our Values

    • attentive and honest attitude towards the clients, 
    • powerful team spirit and efficiency,
    • high brand awareness,
    • public trust,
    • reliability and stability.

We strive to

    • strengthen our position and increase our share in the financial market,
    • provide a high culture of banking services,
    • increase the availability of the demanded and high-tech banking services,
    • introduce a transparent business model and the best corporate culture practice,
    • increase the investment attractiveness of the bank.

Rating of "Unibank" OJSC since 21.12.2021

Moody’s Investors Service international agency’s Rating of “Unibank” OJSC

Rating of long-term deposits of "Unibank" in drams and foreign currency
Base credit score b3
Outlook Stable
Counterparty risk assessmen