cards general information

1. How and where can you apply for a maib bank card?

You can visit any branch or representative office of maib, where you will be informed about:

• The card usage rules
• The fees and commissions charged for card operations
• You will need to fill in a card issuance application form and present a valid identity document.

After submitting the application and paying the applicable fees and commissions (if any), and once the processing period is completed, you will become a holder of a maib card.

2. How and where can you top up your card account?

You can top up your card account at any branch or representative office of maib that displays the card brand at the entrance, cashier’s desk, or other visible areas.

The account can also be funded via a simple transfer in MDL or foreign currency, ordered by a legal or natural person from Moldova or abroad, with maib performing the currency conversion if necessary.

3. Does maib offer interest on funds deposited in the card account?

Yes. In addition to being available for withdrawal at any time, the funds in your card account may also earn interest.

The interest rates and calculation methods are displayed or can be obtained at any branch or representative office of maib.

4. In which commercial and service units can you pay with the card?

The holder of a maib card can pay for goods and services in those commercial units/service providers (including bank branches and representative offices) that display the card brand at the entrance, at the cashier’s desk, or in other visible places.

5. How and where can you withdraw cash from your card account?

If you need cash, you can visit maib branches/representative offices or other banks in Moldova and abroad that display the card brand.

You can also withdraw cash 24/7 from maib ATMs and from ATMs of other banks in Moldova and abroad that display the card brand.

Note: maib recommends that customers withdraw cash in Moldova only at maib branches and ATMs to avoid additional fees charged by other banks.

6. What should you do in case of card loss or theft?

In case of loss or theft of your card, you must immediately notify the issuing bank. Only in this case will the bank protect your funds from unauthorized access.

You can inform the bank by calling the phone number (22) 45 06 03, printed on the back of your card and in the Card Usage Rules.

Call from Moldova or abroad, provide the requested details, and follow the operator’s instructions.

7. How can you effectively monitor your card account funds?

Maib offers several options for checking your card account balance:

1. Remote services

Internet & Mobile Banking – secure access via the internet. Details and access are available at www.maib.md

• SMS notifications – check your balance via mobile phone. Immediately after a transaction, you receive an SMS showing the available balance.
• Electronic statements – view balances and account statements directly from www.maib.md
• Monthly account statement by email – sent free of charge. To view it, a password is required. For the password (initially provided in the card issuance request), call customer support at (022) 450-603.

2. At ATMs

• Insert your card into the ATM
• Choose the preferred language
• Enter your PIN code
• Select “Balance inquiry”

Do not keep your PIN with your card, do not write it on the card, and never share it.

3. By phone

Call bank support at 022 45 06 03. After identification (providing personal data), your account balance will be communicated.

Through Internet and Mobile Banking you can also perform transfers between accounts (current, card, or deposit), make payments in MDL or foreign currency, repay loans, pay for goods and services, perform FX operations, consult account status, access statements, and check exchange rates. These services are highly secure and available 24/7 on the Bank Flex Multichannel platform.

For subscription, visit any maib branch, where you will also receive assistance.

8. Banking details for international transfers to card accounts

For transfers in USD

1.	Beneficiary:	Name, Surname
2.	IBAN code*
3.	Beneficiary Bank:	BC MOLDOVA AGROINDBANK SA SWIFT: AGRNMD2X
4.	Correspondent bank:	ACC. NR. 890-0223-103 BANK OF NEW YORK NEW YORK, USA SWIFT: IRVTUS3N

For transfers in EUR

1.	Beneficiary:	Name, Surname
2.	IBAN code*
3.	Beneficiary Bank:	BC MOLDOVA AGROINDBANK SA SWIFT: AGRNMD2X
4.	Correspondent bank:	ACC. NR. 000-55.012.470 Raiffeisen Bank International AG Vienna, Austria SWIFT: RZBAATWW

For transfers in MDL

1.	Beneficiary:	Name, Surname
2.	IBAN code
3.	Beneficiary Bank:	BC MOLDOVA AGROINDBANK SA FILIALA Branch Name COD AGRNMD2X

9. What is Smart Pricing?

Smart Pricing means that if you meet certain conditions, you are exempt from the monthly card administration fee.

Conditions: You pay ZERO monthly administration fee if you reach the minimum monthly spending required for your specific card. Eligible transactions include in-store and online payments, as well as payments through the maibank app or internet banking (bills and services). Transfers (P2P), cash withdrawals, or other transfers are not included.

Only financially settled transactions¹ in the respective month are considered.

¹ Financial settlement – the actual debit of funds from the card account after a payment transaction. Settlement can take up to 30 days.

10. What does “blocked amount on the card” mean?

A blocked amount is a reserved sum from your card account, intended to be paid later for different operations. It may result from:

• outstanding debts
• card transactions at ATMs, POS terminals, or online

Blocking ensures that the bank or merchant will receive the money for the withdrawn cash or purchased goods/services.

The settlement period for such transactions is up to 30 days.

11. Why might you have blocked amounts on the card?

Possible reasons:

• you attempted a card transaction that was not successfully completed, but the amount remained blocked
• outstanding amounts that will be collected once funds are available
• transactions at ATMs, POS terminals, or online

In case of error messages at POS or online, amounts may remain blocked temporarily.

12. Why do “failed transactions” occur?

A failed transaction can happen due to one or more of the following factors:

• blocked card
• expired card
• inactive card
• insufficient funds
• communication errors
• exceeded transaction limit
• incorrect PIN entry
• incorrect card details entered for online payments (card number, expiry date, CVV code, 3D Secure password)

NOTE: The IBAN code can be obtained at the branch where the card account was opened or via the IBAN calculator link.
** The branch numeric code refers to the branch where the card account was opened.