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
до 60 дней
up to 60 days
gama universal digital


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
    • at maib ATMs through the cash in by code service (in MDL, by entering the special code generated in the maibank app)
    • at maib ATMs through the cash in cardless service (MDL, USD or EUR, with the entry of the 16-digit card number)
  • ATM and self –service terminals 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


  • for payments of over 4000 MDL per month (Smart Pricing)

35 MDL/ 1.75 USD/EUR – in other cases

Issuing/reissuing the card


Payments at shops

in the Republic of Moldova and abroad

Card top-up through maib


  • 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 - 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

  • 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%+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


  • 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, 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 2 successful attempts per digital card.

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

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