gama universal digital

It includes everything you need and even more, saving some of the money you spend and returning it to you as cashback. It can be opened directly in the maibank app. Add it to Apple Wallet, Google Wallet or Garmin Pay and you can pay anywhere: online or in stores.
up to 15%
from 0 MDL/month
free
debit/credit
до 60 дней
up to 60 days
gama universal digital

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

  • p2p transfers between maib cards
  • ATM or at 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 2 successful attempts 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)
  • 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 4000 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 4000 MDL per month (Smart Pricing)

35 MDL/ 1.75 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 deposits to your account at the 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 - 0.7%
  • 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

  • 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%+30 MDL/1.5 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

Any maib customer can open a digital card directly from the maibank app. If you are not yet a maib customer, but you want a digital card, we are waiting for you at any maib branch.

Digital cards are issued in a few minutes in the maibank app. To open a digital card, access the app, press the Open a new card button, select the desired digital card and follow the instructions on the screen.

The limits for issuing digital cards are:

  • 4 digital cards daily;
  • 2 cards in MDL, 1 in EUR and 1 in USD daily;
  • 6 digital cards monthly;
  • 20 digital cards annually.

Payments at the POS terminal (shops, restaurants, public transport, etc.) – you pay with your smartphone or smartwatch, adding the digital card to the Apple Wallet, Google Wallet, or Garmin Pay electronic wallet.

Online or in-app payments. You have two options:

  1. use the digital card data available in the maibank mobile app, Card Information section;
  2. select Apple Wallet, Google Wallet or Garmin Pay as your payment method where available.

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

The cashback amount varies from partner to partner and can range from 0.50% to 15% of the transaction amount. The gama partner network currently comprises over 1,000 merchants operating in various fields: groceries, HoReCa, healthcare, insurance, cosmetics, electronics, clothing, bookstores, gas stations, etc..

Yes, you can! After adding your maib digital card to Apple Wallet, Google Wallet, or Garmin Pay and setting the PIN through the maibank app, you can withdraw cash at:

  • maib contactless ATMs;
  • ATMs from other banks with contactless functionality;
  • maib POSterminals in branches and agencies (depending on the terminal’s technical capabilities).
     

Yes, it is possible.

The digital card data is available in the maibank app, Card information section. It contains the following data: name and surname of the holder, card number, CVV code, and validity period.

Blocking or unblocking the digital card is carried out:

  • directly from the maibank app. Go to the Cards section, then Card options, and click on the Block/Unblock button
  • by calling to the Contact Center service at the short number 1313 or +373 22 45 06 03
  • at any maib branch.

A maib card can be permanently blocked in maibank. Definitive blocking stops the calculation of the monthly card administration fee, and to close the account to which the card is attached, you need to come to any maib branch.

If necessary, come to the nearest maib branch, send us a message to the e-mail address info@maib.md or call the Contact Center:

  • 1313 – free calls 24/7 only from the Republic of Moldova;
  • +373 22 45 06 03 - standard rate number, callable from any network abroad.  

Smart Pricing sets certain conditions, the fulfilment of which exempts you from paying the monthly card administration fee. 

Smart Pricing conditions: 
Your card has ZERO lei monthly administration fee if you spend a minimum amount set for each card. 
Monthly payments include purchases at retail locations and online payments through the maibank mobile app or internet banking service (bill payments and services). Monthly payments do not include P2P transfers, cash withdrawals, or other transfers.

  For Smart Pricing, only transactions that are financially settled¹ within the respective month are considered.
¹ Financial settlement refers to the actual debit of funds from your card account following the payment transaction.
The settlement period for card transactions is up to 30 days.
 

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 2 successful attempts per digital card.

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

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