International transfer via SWIFT

Make money transfers worldwide

Worldwide
1-2 days
EUR, USD, GBP, CHF, RUB, MDL

About

Transfer currency EUR, USD, GBP, CHF, RUB, MDL
Network
  • Over 200 connected countries;
  • Over 10,000 connected institutions;
Maximum allowable per day per person EUR 10 000 or equivalent in another currency
Commission

When making the transfer from abroad to your current account, thehe paying bank and the intermediary banks may deduct a commission from the amount of the transfer, depending on the specified conditions:

  • OUR - transfer fee from the payer's account;
  • BEN - commission for transfer from the beneficiary's account;
  • SHA - transfer commission from the payer's and beneficiary's account;
  • FULLPAY-USD - fullpay fee for dollar transfers, paid in full by the payer.

See the Rates and Commissions page

Transfer execution time 1 - 2 days
Advantages
  • Low costs. If the banks from which the transfer is made correspond, the costs vary from 0.5% to 1% of the transfer amount;
  • Possibility to choose any currency for transfer;
  • Security when performing the transfer, because all operations are computerized and run automatically;
  • Possibility to make a transfer to both individuals and legal entities;
  • High value transfers can be made via SWIFT transfers.

Details

The transfer via SWIFT (Society for Worldwide Interbank Financial Telecommunication) is a financial transaction between two banks in different countries. The money is not sent physically but virtually based on a message sent from one bank to another. This way, you can send money anywhere in the world in a different currency.

For example, if you want to transfer money to a friend in the United States, you only need to know his account and bank. Based on this information, maib will send a message to the U.S. bank. The bank debits the money to your friend's account as soon as the message is received.

How to transfer money to a bank account via SWIFT?

  • Come to any unit with your I.D. card and open a current account in the transfer currency;
  • Communicates to the operator the bank supplies of the beneficiary:

1. the name of the bank;
2. the bank's SWIFT code;
3. bank account (in IBAN format for European countries);
4. name and surname;
5. home address.

  • Deposit the amount of the transfer and the commission on the current account;
  • You receive the payment order in foreign currency;
  • Checks the beneficiary's data;
  • After confirmation by signature, the payment order is executed. A copy of the payment order remains in possession of the payer.

How do you receive money from a bank account through SWIFT?

To receive a money transfer via SWIFT, you must open a bank account in the currency of the transfer and send the bank supplies to the payer:

  • the name of the correspondent bank of B.C. "MAIB" S.A. for the desired currency;
  • SWIFT code of the correspondent bank;
  • name of the beneficiary bank: B.C. "MAIB" S.A. Chisinau Moldova;
  • SWIFT code of the beneficiary bank: AGRNMD2X;
  • your current account in IBAN format;
  • your first and last name;
  • your home address.

Cancellation/return of a money transfer sent via SWFT 

Cancellation of a money transfer via SWFT can be performed only by the bank operator and only at the maib unit where the operation was carried out, but provided that the money was not transferred to the beneficiary's account. For this:

  • You approach the MAIB unit with a valid identity card;
  • Present the payment order in foreign currency to the operator and inform him that you want to cancel the transfer;
  • Fill in the request to cancel the transfer via SWFT and deposit the amount of the transfer cancellation fee in the current account, amounting to EUR 30 (depending on the currency of the transfer).

Please note that:

  • The transfer can only be canceled with the consent of the beneficiary. For this reason, we recommend that you have the beneficiary's consent before initiating the procedure for cancelling the transfer.
  • Following banking practices, the amount of the returned transfer is lower due to the fees charged by the beneficiary bank and the corresponding banks.  

Rates and commissions

Correspondent banks

Bank details for SWIFT transfers

Standard settlement instructions for making international transfers to current accounts/card accounts opened at maib or with the indication of the identity card.

For USD transfer

Beneficiary: Name, surname
Account nr.:¹ IBAN code corresponding to account number
Beneficiary Bank: BC “MAIB” SA Branch name
SWIFT: AGRNMD2X
Correspondent bank: ACC. NR. 890-0223-103
BANK OF NEW YORK  
NEW YORK, USA
SWIFT: IRVTUS3N

For EUR transfer

Beneficiary: Name, surname
Account nr.:¹ IBAN code corresponding to account number
Beneficiary Bank: BC “MAIB” SA Branch name
SWIFT: AGRNMD2X
Correspondent bank: ACC. NR. 280 8750
Landesbank Baden-Württemberg
Stuttgart, Germany
SWIFT: SOLADEST

For GBP transfer 

Beneficiary: Name, surname
Account nr.:¹ IBAN code corresponding to account number
Beneficiary Bank: BC “MAIB” SA Branch name
SWIFT: AGRNMD2X
Correspondent bank: ACC. NR. 83-55.012.470
Raiffeisen Bank International AG
Vienna, Austria
SWIFT: RZBAATWW

 For CHP transfer 

Beneficiary: Name, surname
Account nr.:¹ IBAN code corresponding to account number
Beneficiary Bank: BC “MAIB” SA Branch name
SWIFT: AGRNMD2X
Correspondent bank: ACC. NR. 73-55.012.470
Raiffeisen Bank International AG
Vienna, Austria
SWIFT: RZBAATWW

For RUB transfer

Beneficiary: Name, surname
Account nr.:¹ IBAN code corresponding to account number
Beneficiary Bank: BC “MAIB” SA Branch name
SWIFT: AGRNMD2X
Correspondent bank: ACC. NR. 30111810800000000219
Sberbank Rosii OAO
BIC 044525225.30101810400000000225
INN7707083893
Moscow, Russia
SWIFT: SABRRUMM012

For MDL transfer

Beneficiary Name, surname
Account no: IBAN code corresponding to account number
Beneficiary Bank: BC “MAIB” SA Branch name
COD AGRNMD2XZZZ ²


 

 

Frequent questions

Toate băncile, interconectate prin rețeaua SWIFT, primesc un cod de identificare format din 8 sau 11 caractere. Aceasta înseamnă că atunci când trimiți bani în străinătate trebuie să știi codul SWIFT sau BIC, așa cum mai este numit, al băncii unde se face transferul.

Primele patru cifre ale codului SWIFT indică numele băncii, următoarele două reprezintă codul internațional al țării, iar ultimele - codul localității. În cazul în care codul are 11 caractere, ultimele dintre acestea reprezintă o anumită sucursală a băncii.
 

  • Pentru a primi bani din străinătate, trebuie să comunici codul SWIFT persoanei care îi trimite. De obicei, acest cod este indicat pe orice extras de cont, însă îl poți solicita și la orice sucursală maib. 
  • Pentru a efectua un transfer ai nevoie, la fel, de codul SWIFT, pe care îl poți solicita de la beneficiar sau îl găsești pe Internet. De exemplu, poți utiliza platforma Wise  pentru a identifica și a verifica codul SWIFT necesar pentru transfer. 
     

Durata unui transfer SWIFT depinde, în principal, de doi factori. Ora la care inițiezi transferul și valuta în care transferi banii. Transferurile în euro în Zona Unică de Plăți în Euro (plăți SEPA) sunt mai rapide decât cele în alte monede, pentru care poți aștepta între 1 și 3 zile, dar se poate ajunge și la 5. Totuși, ca să scurtezi durata, este bine să inițiezi transferul în prima parte a zilei.

Atunci când faci un transfer internațional de bani, costul final depinde de suma celor trei comisioane percepute: comisionul băncii maib, speza SWIFT și comisionul băncii corespondente. Pentru aceasta din urmă, ai posibilitatea să alegi cum împarți costurile între tine și cel care primește banii, pentru că există trei opțiuni:

  • Opțiunea OUR – comisionul este suportat de cel care inițiază transferul;
  • Opțiunea SHA - comisionul este împărțit între cel care face transferul și cel care primește banii;
  • Opțiunea BEN – comisionul este suportat de cel care primește banii.

SEPA (Single Euro Payments Area) este un sistem de plăți folosit numai pentru plățile în euro fără numerar, disponibil în țările membre UE și în alte câteva state (Elveția, Norvegia și Liechtenstein).

Prin intermediul SEPA, plățile în euro la nivel european sunt procesate mai rapid și mai ușor.

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