Mastercard business

• Deposit cash at any maib branch, the account balance will be credited immediately, the same working day;
• Free of charge top-up of the card account at any maib cash-in ATM, with immediate access to the cash received, but with a subsequent credit to the account balance on the next business day after the transaction is made;
• Deposit cash at an ATM using a unique code (cash-in by code). The money on the card is available immediately but credited to the account balance the next working day after the transaction;
• By transfer from other banks' accounts.

• Internet banking, which gives you access to information on the status of your card account as well as a wide range of banking services: electronic statements, payment execution, information on exchange rates, payment history, etc..;
• The SMS notification service will keep you constantly informed about the status of transactions, entries and exits on your card;
• Maibusiness bot - directly from Telegram or Viber, you get all the information about the account status and receive notifications about transactions. You can also view your company's account balance and statement for any available account;
• Call 1314 for immediate support.

1. Payment of purchases/services, cash release/withdrawal from credit card account.
2. Start of the grace period.
3. Receipt of message and monthly statements with the amount of the required payment (5%) + % or the amount for full payment during the grace period.
4. End of grace period - penultimate working day. Pay the full amount of the credit used in the previous month to benefit from the grace period.
   Or, you pay the mandatory monthly payment + % to the loan. 

When making card payments in another currency, it is important to understand how the currency conversion process works to avoid any confusion later. Here's the process:

If the transaction is in USD, EUR or MDL, the bank uses its own exchange rate(the exchange rate for card transactions). The amount is blocked at the exchange rate on the day of the transaction. After receiving the debit confirmation from the international payment systems, the account is debited at the bank's exchange rate but at the amount set on the debit day (the difference between these two transactions can take up to 30 days).

For a transaction in another currency, the amount is initially converted to USD at the Mastercard or Visa exchange rate at the time of the transaction. This allows the USD amount to be blocked temporarily on your card account. Once the payment has been confirmed by the international payment systems (between 1 and 30 days from the date of purchase), the payment process is completed. The previously blocked amount is then recalculated in USD at the Mastercard or Visa exchange rate on the day of withdrawal from the account. Afterwards, the final exchange rate will be converted into the currency of your account at the bank's commercial rate(exchange rate for card transactions) if the account currency is not USD.

It is important to consider that the amount available in your account may vary. This variation may occur due to the time it takes for the merchant to process the information. Thus, the available balance in your account may be exceeded due to currency exchange.

We understand that this process may seem complicated, but we're here to help you navigate through it without unexpected difficulties. If you have any questions or queries, don't hesitate to contact us on 1314 or the international number +373 (22) 025 270. Our team is always available to assist you and further clarify your transactions.

Starting from February 1, 2025, the national legislation regarding strict customer authentication will take effect. The key changes are as follows:

1. For payments at merchants by presenting the business card: If you make more than five consecutive payments without entering the PIN, the PIN will be required on the sixth payment.
2. For cumulative payments: If the transactions between two strict authentications exceed 2000 MDL (or the equivalent in foreign currency), you must enter the PIN for the next payment.
3. For payments via electronic wallets (Apple Pay, Google Pay, Garmin Pay): There are no changes, and entering the PIN is not required.

If you encounter difficulties at the POS, we recommend asking the operator to repeat the transaction by inserting the card or paying via the electronic wallet.

You can set the PIN code at any maib ATM, POS terminal in the branch or directly in the maibank app.

How to set or change the PIN code online for your business card through maibank?

• Access the maibank app;
• Choose the business card for which you want to configure the PIN;
• Select the "Set PIN code" option from the card menu;
• Enter a four-digit PIN code that you want;
• Repeat the new PIN code for confirmation;
• Complete the process through standard authorization methods.

The card with physical support will be active after setting the PIN code in maibank.

If you have forgotten/lost the set PIN, change the PIN code in maibank without reissuing the card. For this, select the "Change PIN code" option from the card options and follow the steps similar to the settings.

The use of the card for making payments, with the physical insertion of the card in the POS terminal, will be possible only after a successful transaction with contact at any maib ATM (physical insertion in the ATM) and confirmation with the new PIN code set in maibank (e.g. Balance check, Cash withdrawal).

Activating the card via ATM and POS terminal:

To set the PIN code, you need the activation code, which you will automatically receive via SMS from the short number 6242 on the 3rd day after the card is issued.

The PIN is set, and the card is activated at maib ATMs or POS terminals in maib branches/agencies.

To set the PIN at maib ATMs, do the following:

• Insert the card into the ATM and select the language;
• Enter and confirm the activation code received via SMS from the short number 6242;
• Set the PIN and repeatedly confirm the entered PIN;

After setting the PIN, the card is automatically activated.

To set the PIN at POS terminals in maib branches/agencies, follow the instructions of the bank employee:

• enter the PIN code you want  and confirm;
• reenter the PIN code desired and confirm;
• enter the activation code received by SMS and confirm.

After setting the PIN, the card is automatically activated.

If you lost or did not receive the SMS with the activation code from the short number 6242, you can request the Activation Code using one of 3 ways:

• Send an SMS from the phone number to the short number 6242, indicating the last 4 digits of the card. The SMS must not contain spaces and characters other than the last 4 digits of the card or
• Select the "Activation code" function in the maibank app and indicate the phone number* and the last 4 digits of the card you own. This is the case for new customers - cardholders of the Bank or
• Select the inactive card from the list of cards in the maibank app. This is for existing customers - cardholders.

Changing the phone number to which the SMS with the Activation Code is sent can only be done at bank branches upon your request.

Receiving the activation code and requesting the activation code is carried out using the phone number indicated in the profile of the designated holder whose name the card is issued in the bank's system.