A freelancer or independent entrepreneur is an individual who carries out an independent activity without employees, offering services or products freely and in an organized manner. Freelancing in Moldova covers many fields, including:

• IT and technology
• Design, photography, creative work
• Consulting, architecture, marketing
• Cleaning services, plumbing, equipment repair
• Courses, event organization, tourism assistance
• Handicrafts, jewelry, ceramics, handmade toys

Starting January 1, 2026, the work of freelancers – that is, individuals who provide services independently – is regulated by a special legal framework known as Freelancers Law or the law on the independent economic activity of individuals.

• Individuals residing in the Republic of Moldova
• Minimum age: 18 years
• No employees
• Annual income of up to 1.2 million MDL
• Eligible fields of activity under the law.

Registration can be done 100% online via:

• Public Services Portal / MCabinet
• EVO
• State Registration Service for Independent Entrepreneurs (ASP)

The process usually takes up to 24 hours and is free of charge.

Main steps:

1. Complete the online application for state registration of independent entrepreneurs (freelancers)
2. Sign the application electronically
3. Receive your IDNO and confirmation of registration in the State Register of Legal Units (RSUD)
4. Registration is completed within 24 hours
5. Register your bank account for independent activity

• Online application form (electronic signature also accepted)
• ID card / passport
• Other documents specific to certain fields, if applicable

Freelancers in the Republic of Moldova who carry out independent activity do not need a full-service accountant. Taxes are paid based on the single declaration for independent activity:

• The 15% flat tax applies to income up to 1.2 million MDL;
• For income exceeding this threshold, a 35% rate applies to the excess amount;
• Social security contributions and health insurance are included in the flat tax;
• This declaration can be submitted online via the freelancer MCabinet or the ASP portal, and payment notifications are received in real time.

Any modification, suspension, or termination can be done online through the same MCabinet or ASP portal, with real-time notifications.

An independent entrepreneur carries out economic activities under the legal framework dedicated to independent activity, while an individual entrepreneur operates under a different organizational form. The choice depends on the type of activity and the applicable legal provisions.

A dedicated freelancer account allows you to keep your business income separate from your personal finances and makes it easier to receive payments from customers in Moldova and abroad.

Yes, that’s exactly what it was created for! The business credit card for freelancers is designed for individuals who carry out independent activities or liberal professions. You don’t need a complex structure or employees – it’s enough to be between 23 and 61 years old, hold a minimum 20% stake in your business, and have a credit history without major delays.

The business credit card helps you completely separate your personal finances from those of your professional activity. In addition, you benefit from advantages dedicated to businesses: access to cashback programs/promotions such as Visa and Mastercard Easy Savings, secure payments for professional software/services, and a credit limit dedicated exclusively to your projects.