Armenia | Aurato

Armenia
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Armenia's dram-based payments market includes the national ArCa card infrastructure and licensed digital providers such as Idram and Telcell. These local networks complement international cards and bank transfers in an economy that recorded approximately 7.2% real GDP growth in 2025.

Population

3.1M

GDP

$29B

GDP per Capita

$9K

GDP Growth

7.2%

Deepdive

World Bank, World Development Indicators (WDI), 2025

Cash in Armenia

Armenia's cash requirements vary by location: cards work widely in Yerevan, while small shops, markets and rural stays still need dram. ArCa and local wallets add digital payment options, with fewer ATMs outside larger towns.

ATMs (PER 100K)

71.6

BANKS (PER 100K)

22.4

DEBIT CARDS (PER ADULT)

2.0

CREDIT CARDS (PER ADULT)

0.0

Compare

IMF, Financial Access Survey (FAS), 2025