acba digital12.4 - App Store

acba digital is the mobile banking application of Acba bank OJSC. It is a secure and convenient tool for everyday remote banking. The brand new app was designed and created to make your banking simple and fast. You just need to download the app, become a user via online registration and gain the benefits of the provided services. acba digital allows you to manage your finances whenever and wherever it is convenient for you. The application will give you access to the following features:
. Become a customer via online onboarding process (some services are limited)
. Get access to your banking products via online registration process
. Log on quickly and securely with your fingerprint or facial recognition
. Check your account balances and pending payments
. View individual transaction details
. Transfer money between accounts, and make transfer within Republic of Armenia
. Pay utility bills and make utility payment groups
. Pay Road Police fines, property taxes, parking bills and much more
. Pay your loan or credit card bill
. Apply for loans, savings, cards and more
. Block card transactions, close cards, activate SMS service and more
. Reset your password
. Update your contact details
. Get Visa digital card in your application and make payments via Apple Pay/Google Pay
. Make card to card transfers within Armenia and worldwide
. Order Bank to make periodic transfers and payments instead of you
. Track your pension program balance anytime
. Purchase car, travel and other insurances
. Invest your money buying securities
. Send or receive money via Contact, QR and Link and ATM
. And much more

KEEPING YOU SAFE ONLINE

We use the latest online security measures to protect your money, your personal information and your privacy. acba digital is protected by Thales Gemalto Mobile Protector SDK. Gemalto Mobile Protector makes wise and privacy-friendly use of biometrics: no biometric data is stored in data centers or servers. It all stays within the user's mobile securely. Gemalto Mobile Protector integrates a combination of proven security mechanisms - such as code obfuscation, encryption, key protection mechanisms with appropriate key management, device binding, and root and jailbreaking detection.
This solution helps to comply with the requirements of the revised PSD2's Regulatory Technical Standard (RTS).

https://www.thalesgroup.com/en/markets/digital-identity-and-security/banking-payment/digital-banking/sdk/mobile-protector

CONTACTING YOU

We won't contact you any more than normal if you use the app. But please stay alert to email, text messages or phone calls that appear to be from us. Criminals may try to trick you into giving them sensitive personal or account information. We'll never contact you to ask for these details. Any emails from us will always greet you personally using your title and surname. Any text messages we send you will come from Acba bank.

Version History Something new has arrived in acba digital!
Meet Hub — a new space that goes beyond banking.
Manage your car, explore insurance and events, and get ready to travel smarter with international eSIM, Airport Lounges & Fast Track.
Your everyday essentials and travel perks — now just a tap away. 12.4 Oct 3 • Now with ArcaPay QR, you can scan & pay at participating Acba partner merchants, and choose acbaSplit to divide your purchase into 3 or 6 interest-free monthly installments.
• We’ve also updated the card ordering process to make it a smoother and better experience.
• Routine bug fixes and general improvements. 12.3 Sep 16 Experience a new level of convenience with ArcaPay QR Payments. Scan, pay, and when available at participating Acba partner merchants, choose acbaSplit to divide your purchase into 3 or 6 interest-free monthly installments. 12.2 Aug 29 What’s New in acba digital!
Redesigned Mobile Connectivity: Enjoy our redesigned Mobile Connectivity section! Top up your phone balance and manage your mobile services faster and more intuitively than ever, all with a fresh, modern look. 12.1 Aug 21 What’s New in acba digital!
Redesigned Mobile Connectivity: Enjoy our redesigned Mobile Connectivity section! Top up your phone balance and manage your mobile services faster and more intuitively than ever, all with a fresh, modern look. 12.0 Aug 17 Keeping track of your car-related payments just got easier.
You can now receive reminder notifications for:
-CMTPL renewals
-Parking payments made via acba digital
Simply add your vehicle to My Cars and we’ll help you stay informed about upcoming payments. 11.9 Aug 1 What's New in acba digital!
- State Services: Apply for services like marriage, birth, or sole proprietorship registration directly from the new "Life Events" section in your profile.
- Income Declaration: Enjoy our redesigned page! Download your statement or automatically submit details to the SRC.
Update now for a seamless experience! 11.8 Jul 23 Social Package Account - Easily open and view your social package account, then download your account reference anytime, directly from the app.
-Introducing Stop — a new security feature that lets you instantly block selected banking activities in acba digital whenever you need extra security.
-We’re kicking off an exciting new lifestyle chapter! You can now browse and buy tickets for the best concerts, theater, and cultural events directly in the app. 11.7 Jul 8 -Introducing Stop — a new security feature that lets you instantly block selected banking activities in acba digital whenever you need extra security.
-We’re kicking off an exciting new lifestyle chapter! You can now browse and buy tickets for the best concerts, theater, and cultural events directly in the app. Secure your seats seamlessly and instantly without leaving the app.
Update now and explore! 11.6 Jul 3 -Introducing Stop — a new security feature that lets you instantly block selected banking activities in acba digital whenever you need extra security.
-We’re kicking off an exciting new lifestyle chapter! You can now browse and buy tickets for the best concerts, theater, and cultural events directly in the app. Secure your seats seamlessly and instantly without leaving the app.
Update now and explore! 11.5 Jul 2 Welcome our new release !

- Enjoy our completely redesigned Cards section! Your daily operations are now faster and more intuitive than ever, all with a fresh, modern look.
- We’re kicking off an exciting new lifestyle chapter! You can now browse and buy tickets for the best concerts, theater, and cultural events directly in the app. Secure your seats seamlessly and instantly without leaving the app.

Update now and explore! 11.4 Jun 23 Enjoy our completely redesigned Cards section! Your daily operations are now faster and more intuitive than ever, all with a fresh, modern look.
Additionally, you can now update your occupation details directly in acba digital — quick, easy, and no branch visit needed. 11.3 Jun 19 Tickets for the Wine Days Festival are now available at acba digital!
Join the celebration on June 5, 6 and 7. Don't miss your chance to get 30% off the Wine Enjoy Package - only through acba digital.
Additionally Amex Gold cardholders can now get their insurance certificate in acba digital — mobile and web, no branch visit needed. 11.2 May 25 Tickets for the Wine Days Festival are now available at acba digital!
Join the celebration on June 5, 6 and 7. Don't miss your chance to get 30% off the Wine Enjoy Package - only through acba digital.
Additionally Amex Gold cardholders can now get their insurance certificate in acba digital — mobile and web, no branch visit needed. 11.1 May 5 Go Global with Your Portfolio. Unlock world-class investment opportunities directly in the app. Trade international markets with a fast, secure, and seamless experience—all in one place.
Internet & TV: Fresh & Simple. We’ve redesigned your Internet and TV experience to be faster and more intuitive.
Transaction Check: Branded and Visual. Enjoy a refreshed branded template for easier sharing. 11.0 Apr 13 Go Global with Your Portfolio. Unlock world-class investment opportunities directly in the app. Trade international markets with a fast, secure, and seamless experience—all in one place.
Internet & TV: Fresh & Simple. We’ve redesigned your Internet and TV experience to be faster and more intuitive.
Transaction Check: Branded and Visual. Enjoy a refreshed branded template for easier sharing. 10.9 Mar 31 We know that your security is your top priority—and it’s ours, too. In this update, we’re taking protection to the next level by introducing Account Fraud Insurance teamed up with Efes Insurance. Update now for smarter and safer account protection. 10.8 Mar 14 We know that your security is your top priority—and it’s ours, too. In this update, we’re taking protection to the next level by introducing Account Fraud Insurance teamed up with Efes Insurance. Update now for smarter and safer account protection. 10.7 Mar 4 Authentication is now required when making some transactions via acbaMax. Simply scan the QR code displayed in acbaMax using the acba digital app to complete the authentication. Quick and easy. 10.6 Feb 16 Authentication is now required when making some transactions via acbaMax. Simply scan the QR code displayed in acbaMax using the acba digital app to complete the authentication. Quick and easy. 10.3 Feb 6 Discover new features

Personal details update – Review and edit your documents, contact details, and other information quickly and securely.
Refreshed home screen – Enjoy a redesigned Home page with a new animated header and quick access to your total available balance.
Roadside assistance in one tap – Amex Gold and Blue cardholders can now request roadside assistance directly from the app.
More payment options – Legal entities can now pay waste collection fees. Payments for Onex, Auto.am, Globbing, and Shipex services are supported using credit line funds. 10.2 12/22/2025 A new improvement is here! You can now update your personal details in acba digital: edit documents, contact details, and other information quickly and securely. Enjoy more control over your profile. 10.1 12/15/2025 We are happy to announce a new feature that allows individual and legal entity customers to manage transaction limits in acba digital.
Customers can now modify their daily and per-transaction limits directly from the application. 10.0 11/25/2025 We’re bringing more exclusive benefits to your acba digital experience!
- Introducing the Amex Gold Debit Card - Order your new card directly from the app and enjoy premium privileges.
- Fast Track at Zvartnots International Airport - Enjoy priority service at Zvartnots International Airport with your Amex Gold or Amex Gold Debit Card. Update your app to explore the new privileges and travel in style. 9.9 10/28/2025 We’re excited to announce a new payment in acba digital!

Garbage Removal Service for Yerevan (2025 and onwards) - Starting with this release, you can now conveniently pay for municipal garbage removal services directly from the app. This includes charges for 2025 and all upcoming years. 9.8 10/16/2025