Maib Digital Business Card – 100% online and fast

legal entities digital cards digital business card

issuance fee

0 MDL

account currency

EUR/USD/MDL

cash collection

free

accesează maib business

about

Maib is the only bank in Moldova that offers legal entities customers Visa business digital cards – ideal payment tools for using the card anytime and everywhere in the world to make and monitor the company’s administrative expenses and avoid the risks related to cash payments.

The digital cards are intended for all legal entities that use the maib business app

Business Digital card:

it has all the functionalities of a physical card
it is more convenient to store on your smartphone
it is has a lower monthly maintenance fee (only 10 MDL / 2 USD / 2 EUR)
validity period: 8 years
can be opened in EUR/USD/MDL.

Advantages of the digital business card:

It is possible to open a digital business card at any time convenient for the customer 24/7 via the maib business app for legal entities without going to a branch.
Opening a card for any company employee, as long as they are a maib customer or after becoming a maib customer.
It is possible to open a card on an existing and a new account.
You can open a card in any of the 3 currencies: USD, EUR, MDL.
After opening the card by the company administrator in maib business, the digital card is soon available to designated cardholders in the maibank mobile app.

Card account free top-up:

at maib counters, with an ID card, for those entitled to top up the account, according to the specimen signature sheet;
at maib CDM terminals, for those entitled to top up the account, according to the specimen signature sheet;

Check the list of current rates.

All maib deposits are guaranteed according to Law on the Guarantee of Deposits in Banks No 160 of June 22, 2023. Details here.

The digital card can only be requested by current bank customers via the maib business web service.

benefits

Special offers for small businesses from Visa partners

Whatever stage your business is at, you will receive expert assistance. Check out the offers below from our partners for website creation, online sales development, cashless payment acceptance, marketing and other offers. Read more here.

promotions

Special offers in Republic of Moldova for premium cards

Visa Platinum business and Visa Platinum business Digital cardholders can enjoy significant discounts when travelling with Letz Taxi:

50% discount for rides to and from Chișinău airport. Offer valid until 09/30/2025.
15% discount for travel within Chișinău, Orhei, Ungheni, Cahul, Leova, Soroca, Leova, Ungheni, Leova, Soroca and Bălți. Offer valid until 30.11.2025.

Download the https://letz.md/ app and add your Visa Platinum business card as the main payment method to take advantage of the offer. We wish you successful business and pleasant travelling with Letz Taxi.

Exclusive offer for cardholders Visa Business and Visa Platinum Business! Now, use your Visa Business card to enjoy a 15% discount on documents and parcels sent through Nova Poshta!

How to take advantage of the offer:

1. Register in the Visa Concierge chatbot to receive your unique promo code.

2. Visit any Nova Poshta branch and provide the promo code you received.

3. Pay for your delivery with your Visa Business card and enjoy your 15% discount!

The offer is valid until June 30, 2025, for documents and parcels up to 30 kg, within the Republic of Moldova, Ukraine, and Romania.

Enjoy high-quality medical services at Acibadem clinics in Turkey and take advantage of a special 15% discount, available exclusively for Visa Business cardholders.

Services included in the offer:

Medical consultations;
Laboratory tests;
Radiological examination;
Regular medical check-ups;
Surgeries.

How to benefit from the offer:

Inform the recepton staff that you wish to apply the discount.
Provide the promo code VISA 6364 before making the payment.
Pay for the services using your Visa Business card.
The Acibadem representative will mannually apply the discount, after which you will be able to pay the reduced price.

Terms of the offer:

The offer is valid for all types of Visa Business cards.
The discount cannot be combined with other promotions or benefits and does not apply to expenses covered by insurance.
The discount cannot be applied after the payment has been made.
Acibadem Healthcare Group reserves the right to modify the terms and conditions of the promotion or cancel the discount in case of fraud or misuse.
The offer is valid until May 31, 2026.

Take advantage of this opportunity at any of the Acibadem clinics in Istanbul, Ankara, Izmir, and other locations across the country.

Learn more here.

We have great news for all maib Visa Business and Visa Platinum Business cardholders!

You can enjoy an exclusive 5% discount (up to 250 MDL) on flight tickets purchased at https://tickets.md/en

This offer is valid until July 10, 2025, so don’t miss the chance to travel at a better price!

Pay with your Visa Business or Visa Platinum Business card and enjoy great savings!

Discover the authentic tastes of Turkey and save with GastroClub and Visa! Get up to 25% discount at selected participating restaurants when you pay with your maib Visa card and use the GastroClub app.

How to take advantage of the offer?

Download the GastroClub app (Android / iOS).
When registering, enter the promotional code “VISA”.
Select the Restaurant Discount Privileges section to see eligible restaurants.
When visiting a restaurant, generate a discount code in the app and present it to the waiter.

Please note that the code can only be obtained when you are in the restaurant. The app uses your geolocation for this purpose.

The offer is valid until August 15, 2025, and applies exclusively to restaurants listed in the app.

Enjoy unforgettable dining experiences with Visa and GastroClub!

Dubai and Abu Dhabi await you ith spectacular experiences: hotel areas and shopping centres straight out of a magazine! If you’ve planned your vacation in the United Arab Emirates by May 30, prepare for more than sunshine and adventure. With your maib Visa business card, enjoy exclusive offers at famous hotels, shopping malls, and unique attractions. Turn every day into a pleasant experience - save, indulge, and discover the magic of the Emirates with fitting benefits!

Travel in style and save on Top hotels

Enjoy free upgrades, discounts on accommodations, access to premium facilities, and refined dining experiences at some of the most sought-after hotels in the UAE. With Visa business, your vacation becomes more comfortable and rewarding.

Smart shopping in luxury destination

Whether it’s world-renowned brands or exclusive boutiques, shopping at Mall of the Emirates comes with attractive bonuses: gift vouchers, discounts, or additional benefits when you pay with your Visa business card.

Fun for the whole family

Access to theme parks, unique experiences like wind tunnel flying, breathtaking observation decks, or activities for children - all with special discounts, ensuring fun for everyone while keeping your budget intact.

Maib and Visa open the door to a fantastic summer

When the destination is impressive, the absolute privilege is paying less for more. With Visa business, every discount, bonus, or special access turns your trip into a smart experience. Discover all the offers here.

frequent questions

Issuing digital business cards for legal entities via web maib business is accessible to existing bank customers. The right to apply for a digital business card issuance is exclusively reserved for the legal entity's authorized person (Administrator).

Free top- up methods:

At CDM maib terminals: for individuals authorised to deposit cash, according to the specimen signature sheet (with first and second signature rights).
24/7, via internet banking, the money will be credited to the account balance on the next working day after the transaction is made.
At maib cash desks: with the ID card for those authorised to deposit cash, the money will be credited immediately.
By bank transfer to the card account.

Withdrawal methods:

at ATMs equipped with NFC technology, via Google Wallet, Apple Wallet, and Garmin Pay;
at POS-terminals at the bank's cash desk, via Google Wallet, Apple Wallet, and Garmin Pay.

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.

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;

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.

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

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.
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.
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.

If you have a Digital Business Card issued by maib, you can check your balance online depending on your role:

Cardholder (employee): the card balance can be checked directly in the maibank mobile app, where you have fast and secure access to your transaction history and available funds on your maib online card.
Company administrator: you have full access to card data through the maib business app, where you can manage all business cards. You can also make online transfers from the current account to any business card at any time, ensuring fast and easy fund top-ups.

The P2B (Person to Business) transfer service offers a simple and efficient solution for the instant transfer of funds from the card account of a person (individual) to the business card account of a legal entity (LE). The new functionality saves you time and resources, as you no longer have to go to the bank to deposit cash if you have exceeded the spending limit on your business card. Still, you can transfer money from your account wherever you are.

Benefits for users

Zero Commision: there are no fees for crediting transfers. This is a great advantage for businesses and individuals who want to test the service without incurring costs.
Easy to use: The maibank app and www.maibpay.md platform are designed to be user-friendly, even for beginner users.
Instant Feedback: Receive quick information about the status of transfers, allowing you to manage your funds efficiently.
Security and Privacy: Transfers and data are protected by advanced security technologies, guaranteeing the confidentiality of your information.

Transfer frequency and limits

Transfer limits vary depending on card type and transfer channel (local or international):

Entries on maib business card
Transfer type	Fee/ commission	Limits	No. transactions	Amount MDL
maib card→ maib business card LE	0, 00	per operation	1	200,000
	0, 00	daily	10	200,000
	0, 00	monthly	100	360,000
Card issued in RM/card issued abroad → maib business card LE	0, 00	per operation	1	20,000
	0, 00	daily	3	20,000
	0, 00	monthly	70	300,000
Transfer via International Payment Systems→ maib business card LE	0, 00	per operation	1	20,000
	0, 00	daily	3	20,000
	0, 00	monthly	70	300,000

Methods of transfer:

I. In the maibank app:

Open the app.
Select the transfer to another person.
Enter the business card number of the legal entity (LE) and confirm the transfer.
The funds will immediately be credited to the business card account.

II. On the www.maibpay.md platform:

1. Go to www.maibpay.md and select “Transfer from card to card P2B”.

2. Enter the individual card number under "Sender" and the legal person (LE) business card number under "Payee".

3. Enter the amount to be transferred and press “Transfer”.

4. The commission for registering funds to a LE business card account is zero, and the amount will instatly be credited to the account.

Overall, P2B Transfer is an excellent solution to facilitate payments between individuals and businesses, improving business efficiency and user experience through fast, secure and cost-effective transfer methods.

You need to know:

1. Services are available for Visa and MasterCard cards.

2. Transfers in foreign currency from payment cards issued in Moldova to Business cards in foreign currency will be rejected.

3. Crediting international transfers to Business cards in foreign currency (both P2B and Paypal) is allowed.

4. When crediting funds in foreign currency on Business cards issued in MDL, the transfers will be converted into national currency at the commercial exchange rate for card transactions, set by maib at the date of transaction processing.

5. Collections through the International Payment Systems of funds from betting and gambling are prohibited. The list will be completed as necessary;

6. The limits are set per maib business cards.