gama universal

it offers you the opportunity to open a line of credit revolving and saves you some of the money spent in the form of cashback
up to 15%
0 MDL/ monthly
free of charge
debit/credit
up to 350 thousand MDL
period up to 60 days
gama universal

Calculator

requested amount
3 000
MDL
Primesc salariul/pensia
Alte date

Oferta noastră

limita de credit
0 MDL
plata lunară maximă

The mandatory monthly payment indicated is equivalent to a maximum mandatory monthly payment, in case of raising the full Loan Limit.

0 MDL
total credit amount
0 MDL
interest rate
0%
effective annual interest rate
0%
type of interest rate

Acest credit implică răspunderea ta juridică și trebuie să fie restituit. Verifică-ți capacitatea de plată înainte de a semna contractul de credit.

Request offer Payment schedule Informații precontractuale general credit terms and conditions

the amount shown is indicative and does not represent a contractual commitment by maib

about

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, card type and currency

  • Mastercard Gold contactless
  • MDL/EUR/USD Debit Card
  • MDL credit card

Cashback for any payment

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

You have 5 ways to pay the monthly instalments:

Revolving

  • from 3 thousand MDL to 350 thousand MDL
  • up to 50 thousand MDL directly from the application
  • grace period up to 60 days
  • 60-month term with automatic extension if the eligibility criteria are met

Monthly payments

  • it will include 5% monthly from the credit debt recorded at the end of the previous month, to which the effective annual interest calculated on the credit debt will be added.

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
  • 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 4000 lei

 

calculation example

If you receive your salary/pension on a maib card, for a credit line of 50 thousand MDL, granted for 5 years. In that case, the maximum possible monthly payment is 3 115.75 MDL with an EAR (annual percentage rate) for the credit used of 15.5%. The total amount payable (amount of credit + all related costs) is 61 542.27 MDL.

If you receive your salary/pension on a card issued by another bank for a credit line of 50 thousand MDL, granted for 5 years. In that case, the maximum possible monthly payment is 3 179.45 MDL with an EAR (Annual Percentage Rate of Interest) for the credit used 17.23%. The total amount payable (amount of credit + all related costs) is 62 736.26 MDL.

commission fees

Card servicing

Free of charge

  • for payments from 4000 lei per month (Smart Pricing

35 MDL/ 1.75 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

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 - 0,7%
  • 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%+30 MDL/ 1.5 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

Chatbot

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.

Interest for using credit resources outside the grace period
  • if you receive your salary/pension on a maib card, you benefit from a 14.5% floating interest rate, composed of: the BNM index of 4,38% and the bank's fixed margin of 10,12%
  • if you receive your salary on a card issued by another bank, you benefit from a 16% floating interest rate, composed of: the BNM index of 4,38% and the bank's fixed margin of 11,62%

 

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

general credit terms and conditions

 

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 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.

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Attention! Applications are processed Monday to Saturday. Monday-Friday 09:00-20:00 / Saturday 09:00-18:00

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