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Why use AFM?

From the moment we meet, we will help you make the right financial decisions and save money.

Saving your time

All financial offers are gathered in one place, with a simple and user-friendly interface. Finding the best option takes just a few minutes — no need to browse multiple bank and credit organizations websites anymore.

It's all written in plain and simple language

Everything is explained in clear and simple language — even complicated banking terms. Whether you’re choosing insurance, a loan, or a mortgage through a government program, you can do it easily, even if it’s your first time.

We always show the full cost

Our top priority is to be genuinely helpful to our users. That’s why we clearly show any hidden terms in loans, deposits, and insurance offers — and always display the full cost. We also warn you in advance about any potential extra charges.

Financial news

USD to AMD Exchange Rate: How to Monitor and Exchange Currency Profitably
19.06.2025

USD to AMD Exchange Rate: How to Monitor and Exchange Currency Profitably

Utility Payments in Armenia: How to Pay Bills Without Queues
19.06.2025

Utility Payments in Armenia: How to Pay Bills Without Queues

AFM – Armenia’s financial marketplace where everything is fair!
04.06.2025

AFM – Armenia’s financial marketplace where everything is fair!

Armenian Bank Cards for International Shopping: How to Choose the Right One and Avoid Hidden Fees
02.06.2025

Armenian Bank Cards for International Shopping: How to Choose the Right One and Avoid Hidden Fees

In 2025, more and more Armenian residents are making online purchases abroad — ordering clothes on ASOS, cosmetics and supplements from iHerb, electronics from Amazon, and traveling frequently to Europe, the U.S., and Asia. When paying for these purchases, it’s important to consider not...

How to Open a Bank Account in Armenia: Documents for Residents and Non-Residents, Remote Options, and Key Aspects in 2025
02.06.2025

How to Open a Bank Account in Armenia: Documents for Residents and Non-Residents, Remote Options, and Key Aspects in 2025

A bank account in Armenia is a key financial tool — whether for personal use or for running a business. It allows you to get a debit card, receive transfers, pay for services, and join banks’ bonus programs. Opening an account is available not...

Armenian Bank Cards: How to Choose and Get the Most Profitable One in 2025
30.05.2025

Armenian Bank Cards: How to Choose and Get the Most Profitable One in 2025

In 2025, Armenian banks are offering hundreds of different debit cards — with cashback, interest on balance, free maintenance, and travel bonuses. To choose the one that truly fits your needs and avoid overpaying for services, it’s important to compare the available offers and...

Best credit cards with grace periods in Armenia: how to avoid Interest and choose the right option
28.05.2025

Best credit cards with grace periods in Armenia: how to avoid Interest and choose the right option

A credit card is more than just a convenient way to pay when your account temporarily runs low on funds. In Armenia, banks offer credit cards with a grace period—allowing you to use the bank’s money for free, provided you repay it within a...

Which Banks Issue Loans to Non-Residents in Armenia? Conditions, Amounts, and Rates
26.05.2025

Which Banks Issue Loans to Non-Residents in Armenia? Conditions, Amounts, and Rates

Non-residents can obtain loans in Armenia, but the terms often differ from those offered to Armenian citizens. The key distinction is an individual assessment of each application. Banks evaluate the provided documents,...

Which Banks Offer Loans Without Proof of Official Income?
25.05.2025

Which Banks Offer Loans Without Proof of Official Income?

Not all residents of Armenia can provide an official income statement from their employer. This is especially relevant for self-employed individuals, freelancers, entrepreneurs, and those earning income unofficially. However, the absence of formal employment does not necessarily mean a bank will deny you a...

AFM – это независимый финансовый маркетплейс, который помогает выбрать лучшие банковские продукты в Армении. Мы анализируем все предложения банков, сравниваем кредитные карты, депозиты, ипотеку, студенческие кредиты и премиальное обслуживание, чтобы вы могли найти самые выгодные условия.

Почему выбирают AFM?

  • Прозрачность – никаких скрытых комиссий, только актуальные ставки и условия.
  • Экономия времени – не нужно искать информацию на сайтах банков, всё собрано в одном месте
  • Онлайн-заявки – возможность оформить кредит, карту или вклад без визита в банк