gama universal

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 www.gama.maib.md, 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 1000 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.

You have two ways to get a gama universal card:

• via the maibank mobile app, up to 50 000 lei;
• at the branch, where you must come with the identity card, up to 350 000 lei.

It is an amount of money granted by the bank on your maib gama card that you can benefit from at any time with the possibility of withdrawing and reimbursing the funds used, without paying interest during the grace period.

The active period is the period of 24 months, during which the debtor can dispose of the credit line in full, with the possibility of repeated use of the funds, in case of repayment by the debtor.

The passive period is the period of 36 months during which the debtor cannot dispose of the credit line, having the obligation to supply the account with the minimum amounts for repayment, according to the mandatory monthly payments, or the full repayment of the used credit limit.

The customer may end up in the passive period in case of failure to meet the eligibility criteria for the extension for a new period of use. When: After the 24-month active period expires.