FAQ
From the home screen of the Ard App, go to the "Profile" section and select the "Main Verification" menu. Fill in the required information and complete the verification process to finalize your registration.
If you know your current password and wish to change it, log into the Ard App, go to the "My Corner" section, and select the "Privacy Settings" menu. Click on the "Change PIN" button, enter your old password, followed by the new password and its confirmation, then click "Save."
If you have forgotten your password, click the "Recover Password" button on the login screen, enter your registered phone number, receive a verification code, and create a new 6-digit PIN code to use for logging in. It is recommended not to use your birthdate or phone number for the password.
Go to the "Profile" section on the home screen of the Ard App, select the "Privacy Settings" menu, then click on the "Create Transaction Password" button. Enter your new 4-digit password and confirm it, then click "Save" to update your transaction password.
If you see this message when logging into the Ard App, it means that the device you are using has changed for security reasons. To resolve this, you can contact the registered number at 77003322 and request a new PIN code to regain access.
Click on the Credit Card banner in the Ard App and fill out the application form to request the issuance of a credit card.
Yes, you can download your account statement through the e.ard.mn website.
You can register your child by entering their name, registration number, and phone number through the ArdKids section in the MINI APP menu of the Ard App. If the child does not have a phone number, registration can be done using only the registration number. Each registered child will receive 3 shares of AARD and 1,000 Ardcoins as a gift.
No. Siblings, grandparents, or any legal guardian can register the child in the ArdKids app.
The reward shares and Ardcoin will be unlocked once your child turns 18 and is registered in the Ard App.
The main registered user (parent) can recover the PIN code through the child's account in the Ard App.
From the home screen of the Ard App, select the Loans menu, then click on the "Apply for Consumer Loan" button. Choose between a long-term or short-term loan, and submit your loan application. You will receive a response within 3-5 minutes. Once your loan application is approved, you can proceed to sign the electronic agreement and receive your loan.
In the "My Loans" section of the Loans menu, you will see the details of your loan. There will be options to "Repay Loan" and "Close Loan." If you are making an installment payment, simply click the "Repay Loan" button to proceed with your payment.
Your business must have been operating normally for at least 6 months.
- When you first register as a user in the Ard App, you will read and accept the terms of the e-loan agreement under the verification section. If you have already completed this process, there is no need to sign the contract again.
- If you wish to visit a branch for more information, Ard's branch is located on the 1st floor of Central Tower. You can also inquire by calling 7700-3322.
Yes, it is possible. You can view all payment-related information in the "My Loan" section of the Loan menu in the Ard App. The payment due dates are clearly displayed. If your loan term expires or you need to extend it, an option to extend the loan term will appear in this section.
The loan system in the Ard App is designed so that customers who actively use the Ard App and hold ArdCoin can access higher loan amounts with lower interest rates.
Yes, a short-term loan does not incur interest during the first 10 days. The requirement for obtaining a short-term loan is to hold ArdCoin equivalent to 10% of the loan amount, which will reduce your annual interest rate by 1.2%.
- If you own ArdCoin, you can choose the Alpha loan based on the balance of your ArdCoins in the Ard App. The larger your ArdCoin balance, the higher the loan amount you can access, and the lower the interest rate will be.
- If you do not own ArdCoin, you can opt for the Alpha+ loan by purchasing ArdCoin equivalent to 10% of the loan amount you wish to borrow. This will reduce your interest rate by 1%. The Alpha+ loan offers a borrowing term of up to 6 months, with a maximum loan amount of 10 million MNT.
The trust service is a savings service. To open an account, select the TRUST service in the SAVINGS menu of the Ard App. Then, choose the deposit amount and select a term ranging from 6 to 24 months to open your account.
The funds, along with the yields, will be transferred to your Ard App's current account on the expiration date.
To open a foreign currency trust account, please contact a representative at the following phone numbers: 99255051 or 99193642.
Download the Ard App, log in through the "Register" section, and complete your full verification. This will enable you to select the "Installment Payment Service" in the LOANS menu and calculate your purchase limit. You will receive a response within 3-5 minutes, and once your request is approved, a virtual card with purchase rights will be created in the main menu of the Ard App.
When using services from organizations that are part of Pick n Pay, you can scan the Pick n Pay QR code to make an immediate payment or opt for installment payments.
You will need to register in the Ard App, and your information, such as your national ID details and social insurance certificate, can be automatically retrieved and verified from the HUR system.
The Pick n Pay service has no interest or additional fees. However, if the repayment period is exceeded, a penalty fee will be applied.
You can make as many purchases as you like, within the limits of your available credit.
When you first log into the Ard App as a user, you will need to fully read and accept the terms and conditions of the e-credit rights agreement in the verification menu. Once you have agreed to the terms and completed the contract, there will be no need to sign a new contract
You can view all payment-related information in the "My Loan" section of the "Loans" menu in the Ard App, where the payment dates will be clearly displayed. Additionally, once the payment date approaches, we will send you a reminder via the application.
Each Pick n Pay purchase comes with a reward of Ardcoin equivalent to 1% of the purchase amount. Regularly announced promotions can be viewed on the Ard App's Facebook page and on the Pick n Pay banner in the Ard App.
You can view the list of organizations that have joined Pick n Pay through the Pick n Pay banner in the Ard App and by selecting the Pick n Pay service from the product menu on the website www.ardcredit.com.
No. This debit card is denominated in MNT and cannot be used internationally.
To prevent unauthorized transactions, immediately report the lost or stolen debit card to Ard Financial Group’s customer service. They will assist you in blocking the card and issuing a replacement.
Insert your debit card into an ATM, enter your PIN code, and withdraw cash. A transaction fee of MNT 500 applies at all bank ATMs.
Your PIN code has been sent to the email address you registered with the Ard App.
To use your debit card, present it to the POS machine during payment. If prompted, enter your personal identification number (PIN).
Your debit card will be activated once you enter the PIN code sent to your registered email when making a transaction.
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