gama universal digital

individuals digital cards new gama universal digital

cashback

up to 15%

maintenance

from 0 MDL/month

card top-up

free

type of card

debit/credit

credit limit

до 60 дней

grace period

up to 60 days

Compare cards www.gama.maib.md

about

The gama universal digital is a digital card with no physical support. The card is issued in a few minutes through the maibank app without coming to the bank.

You get an active digital card in the app in a few clicks that you can immediately add to your Apple Wallet, Google Wallet, and Garmin Pay wallet for payments with your smartphone and smartwatch. For online shopping, you use your card data directly from the app.

Gama universal digital card is a suitable card for shopping lovers, which returns a part of the money spent directly on the account as cashback. It harmoniously combines the benefits of a debit and credit card, providing access to a money reserve that you can use as you please, without interest for up to 60 days.

Important! Currently, digital card is only available to maib customers. To open it, you need the maibank app installed on your phone.

Payment system and card type

Mastercard Gold contactless
debit/credit card
currency: MDL/EUR/USD

Cashback for any payment

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

Free top-up through maib

free P2P transfers between maib cards
account deposits at contactless ATMs(hyperlink ATM contactless)
- at maib ATMs through the cash in by code service (MDL,USD or EUR, with the entry of the 16-digit card number)
- at maib ATMs through the cash in cardless service (in MDL, by entering the special code generated in the maibank mobile app)
account top-up at self-service terminals, maib branches and agencies

Free access to digital services from maibank

setting/modifying PIN directly in the maibank app (without reissuing the card if the PIN is forgotten) !The daily limit for setting/modifying the PIN code is 1 successful attempt per digital card
utilities’ payment
p2p transfers from your card to any maib card
income and expenditure analysis

Free top-up of the card through other banks in the Republic of Moldova

card top-up from cards of other banks in the Republic of Moldova through the p2p service in the maibank app
transfers through Visa/Mastercard payment systems (1 per month)
foreign currency transfers via the SWIFT system (1 per month)
interbank transfers in the Republic of Moldova from individuals

Free card opening and maintenance

it opens in the maibank app
free maintenance in case of monthly payments of over 3000 MDL

Revolving credit line

from 3 thousand MDL to 350 thousand MDL
grace period of up to 60 days
the cashback amount is automatically transferred to repay the debt on credit
no less than 5% of the debt balance recorded at the end of the previous month is reimbursed monthly interest calculated on the amount used from the credit
the credit line is granted for 60 months, and it is automatically extended

commission fees

Deservirea cardului	Gratuit for payments of over 3000 MDL per month (Smart Pricing) 30 MDL/ 1.5 USD/EUR – in other cases
Issuing/reissuing the card	Free
Payments at shops	Free in the Republic of Moldova and abroad
Card top-up through maib	Free free P2P transfers between maib cards free account deposits via contactless ATMs (hyperlink ATM contactless) by the cash by code service (MDL,USD or EUR, with the entry of the 16-digit card number) via the cash in cardless service (in MDL, by entering the special code generated in the maibank mobile app) free deposits to your account at the self-service terminals, agencies and branches of maib
Card top-up through other banks	top-up via p2p from the card of other banks in the Republic of Moldova via maibank – free of charge card transfer via Visa / Mastercard payment systems – 1 per month free, other 0.5% foreign currency transfer via SWIFT – 1 per month free, other 0.8% bank transfer within maib/other banks from the Republic of Moldova – 0 MDL
Cash withdrawal at maib’s ATM/POS network *depending on the technical capabilities of the ATM/POS terminal	maib ATMs through the Cash by Code service 3 MDL/0.15 EUR/USD from the maib ATM equipped with the presence of the card 0.3%, maximum 60 MDL/3 EUR/USD at POS-bank terminal in maib subdivisions 0.3% at maib subdivisions without the presence of the card
Cash withdrawal in other banks subdivisions/ATM/POS network *depending on the technical capabilities of the ATM/POS terminal	1%+20 MDL/1 EUR/USD from ATMs/subdivisions of banks in the Republic of Moldova 1.5%+60 MDL/3 EUR/USD from ATMs/subdivisions of banks abroad
P2P transfer to another bank’s card	1.5% min 20 MDL /1 EUR/USD on the bank card from the Republic of Moldova 1.5% min 30 MDL/1.5 EUR/USD on the card of the bank abroad
Online and information services	Free chat bot maibank / internet banking push - notificare privind operațiuni cu card în regim online monthly statement by e-mail balance view in ATMs/maib subdivisions – the first 5 views per month mini-statement in maib ATMs – the first 3 monthly views 10 MDL SMS notification

More details about rates 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).

Procedura de plată cu cardurile gama este similară oricărui card bancar: apropii cardul de terminalul POS și tranzacția e procesată.

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

Valoarea chasback-ului variază de la partener la partener și poate constitui de la 3% până la 15% din suma tranzacției. În prezent, rețeaua de parteneri GAMA e formată din peste 1000 de comercianți, ce activează în diferite domenii: HoReCa, sănătate, asigurări, magazine de produse cosmetice, electrocasnice, îmbrăcăminte, librării, stații PECO etc..

How to set the PIN code for your digital card

Open the maibank app
Click on the digital card for which you want to set the PIN code
Select “Set PIN code” from the digital card options
Enter the four-digit PIN you want to set
Repeat the PIN
Confirm through existing authorization methods
Enter the received password and press "Confirm"
Congratulations! The PIN has been set.

How to change your digital card PIN if you've forgotten it:

Open the maibank app
Click on the digital card
Select the "Change PIN code" option
Follow the steps similar to the setup.

The daily PIN setting/change limit is 1 successful attempt per digital card.

For more details, access the Pin by SMS and Assign PIN Service Instructions