about
Maib offers legal entities customers Visa Business contactless cards – the ideal payment tools for making and monitoring the company’s administrative expenses, eliminating the risks associated with cash transactions.
The cards are intended for all legal entities, including:
- legal entities specializing in retail;
- legal entities whose employees travel on company business across the country and abroad.
Business cards:
- can be opened in MDL, EUR, USD.
Business card benefits:
- Free 24/7 card account top-up via internet banking, funds will be credited to the account balance on the next working day or at maib cash-in ATMs, with immediate access to the cash received, but credited to the account balance on the next working day.
- 24/7 access to your cash whenever you need it, at home and abroad;
- Safety and security:
- security by reducing cash handling risk;
- payments with Google Wallet, Apple Wallet, and Garmin Pay e-wallets;
- contactless payments in shops (the card is only in your hands);
- secure internet shopping thanks to 3D Secure;
- GCAS (Global Customer Assistance Services) - Visa's Global Customer Assistance Service, emergency cash release service, blocking and replacing lost and stolen cards.
- Card payment fee - 0%, including online;
- 0% fee when topping up card account via ATM or bank transfer;
- Control over payments made by setting spending limits for cardholders;
- Elimination of advance statements to employees;
- Cash withdrawals at any ATM, at home and abroad;
- Issue an unlimited number of cards to cardholders (company employees), attached to the account;
commission fees
Card type |
Visa Business/Mastercard Business |
Visa Business/Mastercard Business |
Visa Business/Mastercard Business |
Notes | |
Card account currency: | EUR | USD | MDL | ||
Conditions for opening/closing the current account and card issuance: | |||||
Fee for opening a current account with Businesscard | 0.00 | ||||
Minimum initial amounton the account | |||||
Card issuance fee | |||||
Fee forurgent card issuance (in addition to the card issuance fee) | 10.00 | 200.00 | It is automatically charged when the card is issuing from the 2258 card account | ||
Monthly administration fee for each card | 2.00 | 50.00 | The fee is charged on the first calendar day of each month for the previous full month | ||
Card validity period | 4 years | ||||
Minimum account balance | 0.00 | ||||
Fee for closing the current account | 25.00 | 350.00 |
It is charged on the day of application for closing account. In the case of closing the account at the bank's initiative, the following amount is charged: - for the account in MDL – up to 350 MDL, -for the account in FC – up to 25 EUR/ USD, up to maximaze of the available balance,including when the company is liquidated. |
||
Monthly fee for the administration of the account during the process of closing | within the available balance but not more 5.00 | within the available balance but not more 100.00 |
It is сharged within the available balance on the account under the following conditions: 1. not more: - in national currency - 100 MDL, - in foreign currency - 5 EUR/USD |
||
Card reissuance conditions: | |||||
Reissuance of the card in case of expiration | 10.00 | 200.00 | It is automatically charged when the card is reissued from the 2258 card account | ||
Card reissuance in case of loss, theft, damage, compromise, or other cases | 15.00 | 225.00 | With the bank's approval, the commission is not charged if the card was compromised due to other reasons that are not the responsibility of the cardholder. | ||
Commission fees: | |||||
Top-up the card account: | |||||
in cash at the branch maib by collection order | 0.00 | ||||
at the maib ATM | - | 0.00 MDL | Top-up is foreign currecy is not allowed. | ||
Changing the PIN code: | |||||
maib ATMs | 1 transaction/month- free, the others.00 | 1 transaction/month- free, the others 20.00 | It is charged at the time of the transaction. | ||
ATMs of other banks in the Republic of Moldova/ abroad | 1.00 | 20.00 | |||
Cash withdrawal fee: | |||||
ATM maib | 1.00% | Cash withdrawals in maib branch, POS and ATMs are made only in MDL. Maximizare cash withdrawal limit per day (00:00- 24:00) – 200 000 MDL | |||
up to 50,000 MDL (inclusively) daily | |||||
more than 50,000 MDL daily | 1.30% | ||||
Banking POS in maib branches | 1.20% | ||||
ATM/ bank POS in the branches of other banks in Moldova |
1.50% a minimum of 1.50 |
1.50% a minimum of 25.00 |
Suppose the currency of the transaction differs from the currency of the card account. In that case, the transaction amount is converted at the rate for maib card operations established on the date of processing the transaction. | ||
ATMs/ bank POS of other banks abroad |
1.50% a minimum of 3.00 |
1.50% a minimum of 60.00 |
|||
Commission fee for settlement at branches maib without presenting the card |
1.50% |
It is charged when the transaction is carried out. | |||
The monthly cash withdrawal amount from the card account in bank offices and ATMs abroad | 10 000 EUR | The limit established on the card account by the National Bank of the Republic of Moldova is modified per the NBM regulations. | |||
Paying for purchases at merchants, including Internet transactions: | |||||
from the Republic of Moldova | 0.00 | ||||
from abroad | |||||
Registration of the transferred amounts in the card account: | |||||
from other banks in the Republic of Moldova | 0% | ||||
from abroad of the Republic of Moldova in foreign currency | |||||
by transferring to the card through Visa Inc./Mastercard Inc. international payment system. | |||||
top-up the account by “credit-voucher”/ “original credit” | |||||
Viewing (with or without printing) card account balance : | |||||
in maib branches/ATMs for viewing, performed within a calendar month | 5 transaction / month – free, the others 0.06 | 5 transactions / month – free, the others 1.20 | It is collected at the time of the transaction. | ||
in the branches/ATMs of other banks in the Republic of Moldova/abroad (each view) | 0.50 | 10.00 | |||
through remote access channels, for viewing, performed during a calendar month | 30 transactions / month – free, the others 0.06 | 30 transactions / month – free, the others 1.20 | |||
Requesting the miniaccount statement: | |||||
at maib ATMs for the statement, requested within a calendar month | 3 transactions / month – free, the others 0.07 | 3 transactions / month – free, the others 1.40 | It is collected at the time of the transaction. | ||
through remote access channels for requests made within a calendar month | 30 transactions / month – free, the others 0.07 | 30 transactions / month – free, the others 1.40 | |||
Requesting the monthly statement: | |||||
monthly statement by email | 0.00 | ||||
each additional statement requested at the branch maib | 1.00 | 20.00 | It is collected at the time of the transaction. | ||
Interests rate: | |||||
Variable interest on available balance from the card account (including the tminimum account balance): | according to the Pricing Policy for banking products and services provided to SME customers | ||||
Other conditions : | |||||
Penalty for unauthorized account overdraft (interest applied to the amount of unauthorized overdraft from the first day of registration) | 20.00% | 40.00% | Проценты указаны из расчёта годовых | ||
Investigating, contesting and managing disputes regarding transactions carried out on the territory of the Republic of Moldova, per transaction | 1.00 | 20.00 | The commission fee for the investigation, contestation and administration of disputes regarding transactions carried out abroad/on the territory of the Republic of Moldova is retained per transaction, regardless of its results. Exceptions are cases of disputes | ||
Investigating, contesting and managing disputes regarding transactions made abroad, per transaction | 10.00 | 200.00 | |||
Card blocking in case of loss, theft, damage | 0.00 | ||||
Cashing and payment operations through internet banking | in accordance with the Rates and Commissions applied to non-credit products/services provided to legal entities | It is collected at the time of the transaction. |
Commission fees for debit cards in force from 23.01.2024
Commission fees for debit cards with discontinued issuing in force from 23.01.2024
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frequent questions
- 24/7, via internet banking, the funds will be credited to your account balance the next business day after the transaction.
- Free at any maib cash-in ATM, with immediate access to the cash received, which will be credited to your account balance the next working day.
- With a unique Cash-In by Code at maib ATMs, the cash on the card becomes available immediately and will be credited to the account balance the next working day.
- By bank transfer to your card account.
- Free, the account balance will be credited immediately by cash order through the bank's cashier on the same working day.
- By internet banking, which gives you access both to information on the status of your card account and to a wide range of banking services: electronic statements, payment execution, information on exchange rates, payment history, etc;
- The maibbusiness app gives you real-time access to your company's accounts with maximum mobility and security.
The following operations can be performed from the app:
- the payment of public services, taxes, fees, fines and other payments to the national public budget through the Government Electronic Payment Service (MPay);
- signing payments;
- viewing balances and statements for each card;
- receiving notifications of any payments made;
- obtaining and sharing bank receipts;
- details of a card’s status and expiry date.
- Activate the SMS-notifications service through which you will be constantly informed about the status of transactions, card entries and withdrawals;
- Maibusiness bot - directly from Telegram or Viber, you get all the information about the status of your account and receive notifications about transactions. At the same time, you can view your company's account balance and statement for any available account;
- Call 1314 for immediate support.
The PIN code can be set at any maib ATM or POS terminal in the branch.
To set the PIN code, you need the activation code, which you will receive automatically by SMS from the short number 6242 on the 3rd day after the card is issued.
If you want to use the card earlier or have deleted the SMS with the activation code, you can request it using one of the methods below:
- Send an SMS to the short number 6242 with the last 4 digits of the card you received;
- Via the maibank app:
- on first login, indicate your phone number and the last 4 digits of the new card;
- as an authorised maibank user, open the app, select the inactive card, request the activation code and receive the SMS with the activation code from the short number 6242.
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