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Unibank is one of the leading and high demanded banks of Armenia, providing its clients with a wide spectrum of banking products and services. Unibank is on the market for more than 15 years, and has established itself as a perfect partner in all customer segments, and has gained the trust of wide strata of the population. Today, the bank has 46 branches in Armenia and Nagorno Karabakh Republic, as well as it has a representative office in Moscow, the Russian Federation. The profitable conditions of banking services, the new approaches in line with market expectations, and high-quality customer service contribute to the establishment of a long-term, mutually beneficial cooperation with the customers and to the occupation of strong positions in the market.


Chamber of Commerce and Industry of Republic of Armenia

«Mercury» Award 2015 - The People's Bank of Armenia

Raiffeisen Bank International

STP Quality Award 2014 - RBI STP Quality Awards, granted by Raiffeisen Bank Internationalfor high quality SWIFT transfers

Thomson Reuters

The Best FX Dealing Bank in Armenia - 2012


Moody’s Investors Service has assigned long-term global local-currency and foreign-currency deposit ratings of B2 to Unibank OJSC. The bank's ratings are based on its Baseline Credit Assessment (BCA) of b3 and incorporate one notch of rating uplift owing to our assessment of a moderate probability of support from the Government of Armenia (B1 stable). Counterparty Risk Assessment Moody’s Investors Service has assigned a Counterparty Risk Assessment (CR Assessment) of B2(cr) / Not Prime(cr) to Unibank.


We offer you the unique opportunities for banking services of international companies

Open a bank account for an international company

Unibank consideres companies of respectable countries including Hong Kong, Singapore, England and Wales (LP).

Comfortable location

Potential client of Unibank can visit the bank's representative office in Moscow

Pre-approval process takes up to 3 days

We get a firm preliminary decision of the bank to open an account for your company during 3 working days.

We  help to open an account within 14 days

After the submission of the full package of documents, the account in Unibank  is normally opened within 2 weeks.

Corporate cards

Unibank issues corporate cards, including ones for international clients.

The most reliable correspondent banks

The main correspondent bank of Unibank is Raiffeisen Bank, Austria.

No automatic exchange

The country, as for today, does not automatically exchange information with the Russian Federation and other countries of the former USSR.


Legal services for opening of a bank account

1300 €

Apostillation of documents (per one document)

290 €

Legal services for opening of a bank account for private in Armenia

350 €

Please note that the commission of the bank for opening an account is 200 Euro. This cost is an additional expense for a client

200 €



The procedure that secures reliable and the fastest way to open a bank account in Unibank, Armenia.

The following information and documents have to be sent to the e-mail address konon@vitaliberta.com:

  • a KYC-filled questionnaire in the format word (draft to fill in the attached);
  • company charter;
  • certificate of incorporation;
  • certificate of incumbency (other document) with information about the address, directors of shareholders no older than six months;
  • resolution on the appointment of directors;
  • documents on the ownership chain up to the final beneficiaries;
  • Passport and confirmation of the address (not older than six months, in the form of a bank statement or utility bill) of the company's director;
  • beneficiary's documents (passport, address confirmation, detailed CV, proof of well-being, a letter of recommendation from the bank);
  • company reporting;
  • an extract from the servicing bank with indication of counterparties and payment assignments for the last year;
  • Scans of contracts with counterparties, for which payments on the account are planned;
  • link to the company's website;
  • information on the planned turnover, the number of payments and company balances.

After consideration of documents, the bank may request additional information.

Preparation of motivated statement for the bank 

If the provided information is sufficient, we analyze this information and prepare a motivated statement for the bank regarding your company.
If the information provided is insufficient or there is a need to request additional information, we request it from you.

Receiving a preliminary acceptance from the bank

Upon receipt of the positive decision of the bank to open an account, we inform you of the necessary actions with regard to corporate documents of the company in order to bring them in line with the requirements of the bank.

Payment of legal services related to the preparation of the company for opening an account

After receiving a positive decision of the bank and after the client has firmly decided to bring the process to its logical conclusion, ie. before opening an account, we issue you an invoice for the payment of our services.

Preparation of bank forms

After receiving full payment, we proceed to prepare the bank forms and on the basis of the information received from you we fill them in the way the bank requires.

Personal visit of the bank by the UBO

In order to open a bank account, the beneficiary of the company or our authorized representative representing the beneficiary must visit the bank pesonally.

Special requirements!

Number of transactions per month

The bank imposes requirements to potential customers on the number of outgoing payments per month - the client of the bank must maintain at least 20 payments per month.

If the client can not support at least 20 payments per month

The client can pay the bank a fixed annual income of 25,000 Euros and is released from the obligation of 20 outgoing payments per month. This amount will be taken into account during one year for the customer's payment orders.


General partner of the company
Vita Liberta Limited
Konon Sergey

Professional experience

  • 2005-2012: OJSC “Promsvyazbank” Cyprus branch, from bottom position to the Head of business development department (responsible for cooperation with corporate clients).
  • 2012-2016: Bank of Asia, Russia, Vice President of international Business (responsible for the development of two departments: international correspondent banking department and international corporate clients’ department).

  • 2016 - present - founder and General partner of Vita Limirta Limited company.

Excerpt from the speech of Mr. Konon Sergey at the IV-th annual conference "Practice of international tax planning. Actual issues ", 2011.

Mobile: +7 (926) 920 55 51

Office: +7 (495) 545-90-98

Telegram/what's up/viber: +7(929) 908-10-47

Skype: ygrtima