Money & Exchange

1. Ո՞ւր է ամենամոտ բանկոմատը

   Ur e amenamot bankomaty?

   Where is the nearest ATM?

   Usage

   Used when looking for an ATM to get cash

   Grammar Note

   "Bankomat" is borrowed from Russian. Armenia's official currency is the Dram (AMD)

2. Ես ուզում եմ փոխանակել արտարժույթ

   Yes uzum em pokhanakel artarzhuyt

   I want to exchange foreign currency

   Usage

   Used at exchange offices or banks to convert foreign currency

   Grammar Note

   "Art-" (outer/foreign) + "-arzhuyt" (currency) = "artarzhuyt" (foreign currency)

3. Ո՞րն է փոխարժեքը

   Vorn e pokharzheky?

   What is the exchange rate?

   Usage

   Used to check the exchange rate before converting money

   Grammar Note

   "Pokh" (exchange) + "-arzheq" (value) = "exchange rate". "-n" is the definite article suffix

4. Կրեդիտ քարտ ընդունո՞ւմ եք

   Kredit kart yndunum ek?

   Do you accept credit cards?

   Usage

   Used before payment to confirm credit card acceptance

   Grammar Note

   "Yndunum ek" is the present tense, 2nd-person plural of "yndunel" (to accept). The Armenian present is two words — participle in "-um" plus the copula "ek"; there is no single-word form "yndunuk"

5. Ո՞րն է ընդհանուր գինը

   Vorn e yndhanur giny?

   What is the total price?

   Usage

   Used before paying to confirm the total amount due

   Grammar Note

   "Yndhanur" = "yndh" (all/together) + "-hanur" (general). Means "total/overall"

6. Ինձ մանրադրամ հարկավոր է

   Indz manradram harkavor e

   I need change (small coins)

   Usage

   Used when needing small change for buses or small shops

   Grammar Note

   "Manr" (small/fine) + "-dram" (money/dram) = "small money/change"

7. Կտրոն կտա՞ք ինձ

   Ktron ktak indz?

   Could you give me a receipt?

   Usage

   Used after payment to request a receipt

   Grammar Note

   "Ktron" means "coupon/cut piece" and is used for receipt

8. Ես ուզում եմ վճարել

   Yes uzum em vcharel

   I would like to pay

   Usage

   Used at restaurants or shops to indicate readiness to pay

   Grammar Note

   "Uzum em vcharel" = "I want to pay". "Uzum" is the progressive of the desire verb

9. Այս գինը ճի՞շտ է

   Ays giny chisht e?

   Is this price correct?

   Usage

   Used to verify a price when there is doubt about the amount charged

   Grammar Note

   "Chisht" is an adjective meaning "correct/accurate". The Armenian question mark "՞" sits on the stressed word, so "ճի՞շտ է" = "is it correct?"

10. Ինչ-որ տուրիստական հարկ կա՞

    Inch-vor turistakan hark ka?

    Is there any tourist tax?

    Usage

    Used to check if a tourist tax is included in accommodation fees

    Grammar Note

    "Hark" is polysemous, meaning both "tax" and "necessity/need"

11. դեպոզիտ

    depozit

    Deposit

    Usage

    A refundable deposit paid when checking into a hotel or renting equipment.

12. գումարի վերադարձ

    gumari veradardz

    Refund

    Usage

    Use when asking to get money back.

13. գրավ

    grav

    Security deposit

    Usage

    A more formal term for a security deposit, e.g. for contracts.

14. կանխավճար

    kankhavchar

    Prepayment

    Usage

    Use when referring to payment made in advance.

15. լրացուցիչ վճար

    lratsutsich vchar

    Extra charge

    Usage

    Use when referring to an additional fee charged afterward.

16. սպասարկման վճար

    spasarkman vchar

    Service fee

    Usage

    Use when referring to a fee charged for a procedure or service.

17. Կանխիկ

    Kankhik

    Cash

    Usage

    State how you will pay; rural shops and marshrutkas are often cash-only

18. Քարտ

    Kart

    Card

    Usage

    Indicate card payment; "kartov kareli e?" asks whether card is accepted

19. Առանձին վճարենք

    Arandzin vcharenk

    Let us pay separately

    Usage

    Show it to staff when you want separate bills

20. Մեկ հաշվով

    Mek hashvov

    All on one bill

    Usage

    Use when one person pays for everyone; literally "with one account"

21. Մնացորդ

    Mnatsord

    Change (money back)

    Usage

    The money handed back; in speech the Russian loan "rest" is common, while "manr" means small coins themselves

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