gama universal

Includes everything you need even more, saving you some of the money you spend in the form of cashback

up to 15%
0 MDL/ monthly
free of charge
up to 350 thousand lei
period up to 60 days


Gama card, which includes gama universal, is the best card package for shopping lovers, which returns some of the money spent directly on your account in the form of cashback. It harmoniously combines the benefits of a debit card, providing access to a reserve of money you can use at your leisure, with no interest rate up to 60 days.

Payment system and card type

  • Mastercard Platinum contactless
  • Debit/ credit card
  • currency: MDL/ EUR/ USD

Cashback for any payment

  • up to 15% cashback from maib gama partners
  • 0.5% guaranteed cashback from maib

Free of charge maib suppling

  • transfers between maib cards
  • ATM deposits, maib units, self-service terminals

Free access to digital services in maibank

  • payment of utilities
  • p2p transfers from your card to any maib card
  • revenue and expenditure analysis

Free supply of the card through other banks in the Republic of Moldova

  • supply from the card of other banks in the Republic of Moldova through the p2p service
  • transfers via Visa/ Mastercard payment systems
  • foreign exchange transfers through the SWIFT system
  • interbank transfers in the Republic of Moldova

Free of charge issue and servicing

  • it opens in any maib branch or through the maibank application
  • free service in case of monthly payments of over 3000 lei


  • From 3 thousand to 350 thousand lei
  • up to 60-day grace period
  • the cashback amount is automatically transferred to repay the credit debt
  • no less than 5% of the debt balance shall be repaid every month the amount of the loan shall be calculated on the basis of the following
  • the credit line is given on a 60 months period and is automatically extended


Card servicing

Free of charge

  • for payments from 3000 lei per month (Smart Pricing

30 MDL/1.5 USD/EUR – in other cases

Card issuance/ reissue

Free upon expiration

40 MDL/ 2 EUR/USD for reissue in other cases (loss/ theft/ compromise/ other cases)

Payments at commercial points

Free of charge

  • in the Republic of Moldova and abroad

Suppling the card through the maib

Free of charge

  • between maib cards through maibank
  • in cash-in ATMs/ maib subdivisions/ self-service terminals

Suppling the card through other banks

  • supply via p2p from the card to other banks in the Republic of Moldova through maibank - free of charge
  • card transfer via Visa/ Mastercard payment systems- 1 per month free, another 0,5%
  • transfer from abroad in foreign currency via SWIFT- 1 per month free, another 0.8%
  • transfer from other banks in the Republic of Moldova from individuals and legal entities

Cash withdrawal at the maib

  • 3 MDL/ 0.15 EUR/USD to the maib ATM presenting the card
  • 0.3%, maximum 60 MDL/ 3 EUR/USD at the POS - terminal in the maib subdivisions
  • 0.3% in the maib subdivisions without presenting the card

Cash withdrawal in other banks

1%+20 MDL/ 1 EUR/USD

  • ATMs/ Subdivisions of banks in the Republic of Moldova

1.5%+60 MDL/ 3 EUR/USD

  • ATMs/ Subdivisions of foreign banks

p2p transfer to another bank card

1.5% min 20 MDL /1 EUR/USD

  • On the bank card of the Republic of Moldova

1.5% min 30 MDL/1.5 EUR/USD 

  • On the foreign bank card

Online and information services

Free of charge


Mobile banking/ internet banking

Push - notification of online card transactions

Monthly bank statement by e-mail

Change the PIN code in maib ATMs

Balance view in maib ATMs/ subdivisions- first five monthly views- free, the other 1.20 MDL

Mini bank statement in maib ATMs - the first three views per month- free, the other 1.40 MDL

10 MDL

SMS notification

Card delivery

40 MDL

At home or to the office, at any address in the Republic of Moldova, except for the localities on the left bank of the Dniester and Bender Municipality.


Further information on rates here


Required documents

To obtain gama universal you only need the identity card.

*Bank reserves the right to request supporting documents regarding your income to meet banking-specific prudential requirements.

General banking conditions for individuals within BC "MAIB" SA here.


frequent questions

You have two ways to get a gama card:

  • at the branch, where you must come with the identity card;
  • via the maibank mobile app.

In both cases you can request the card to be delivered to any address. The card delivery service is available for the entire territory of the country (except for the locations on the left bank of the Dniester and Bender Municipality).

The list is available on, Partner section, and in the maibank mobile app, the”Cashback” option in the main menu.

The cashback value varies from partner to partner and can amount from 3% to 15% of the transaction amount. Today, the range partners network consists of over 350 traders, active in various areas: HoReCa, Health, Insurance, Cosmetics, household appliances, clothing, libraries, PECO stations, etc.

Smart pricing provides certain conditions (collection, payment by card), which are exempt from paying the monthly card administration fee.

Monthly collection on the card means transfers received through the p2p service, transfers from another bank or accounts of other major clients, cash deposits with ATMs or payment terminals.

Monthly payments are commercial point payments online, including via the maibank mobile application or internet banking (payment of bills and services). Monthly payments do not consider p2p transfers, cash withdrawals or other transfers.

Only financial settled transactions¹ in that month are considered in Smart pricing.

¹Financial settlement - actual debiting of money from the card account following a card payment transaction.

The settlement deadline for card transactions is a maximum of 30 days.

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