I left a request to open an account, they promised to call within three days. I waited a month, there was no call. I went to them again - it turned out that the application was not sent (a paper questionnaire was found, but my application was not in the database). Sent again with a different date. I waited another week, wrote them a letter, and then they called and said that the account opening was refused. What they didn't like about me is unknown - I have a legal income, I have been in Armenia for a long time, I don't plan to leave yet.