maib capital deposit
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about
The maib capital deposit allows you to save money for any purchase with a stable income. The deposit gives you the possibility to deposit money at any time, but without the right of early withdrawal. The interest rate is fixed and is transferred monthly to your account.
Interest rate
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The term
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Interest payment
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Minimum balance
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Further deposits
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Withdrawals
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Deposit opening
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Automatic renewal
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interest
The fixed interest rate shall be transferred monthly to the depositor’s current or card account.
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Term |
Interest rate |
Interest rate |
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MDL |
USD |
EUR |
MDL |
USD |
EUR |
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365 days |
1.50 |
0.80 |
0.45 |
2.00 |
1.00 |
0.65 |
As of 01.01.2024, following the Tax Code of the Republic of Moldova, income tax is charged on interest calculated and paid on deposits as follows:
- 6% for resident individuals;
- 12% for non-resident individuals.
details
- On early withdrawal of the deposited amount, within the first 30 days of the deposit opening date, interest is not paid.
- On the early withdrawal of the deposit, but 30 days after the deposit opening date, the interest shall be calculated and paid in the amount provided by the bank for the current interest-bearing accounts of individuals. Interest, which has already been paid by the bank, will be retained from the deposit amount.
- When the deposit is opened, the depositor receives a free of charge bank card.
- All maib deposits are guaranteed in accordance with the Law on guaranteeing deposits in banks no. 160 of June 22, 2023. More details here.
- Additional top-ups are allowed, including by making transfers from abroad ( SWIFT ) directly to the deposit account.
- The deposits of individuals and legal entities are guaranteed up to the coverage level of MDL 100,000. More details here.
BC ”Maib” SA is a member of the Deposit Guarantee Scheme of the Republic of Moldova.
frequent questions
The bank deposit may be opened:
- from the maibank mobile app;
- at any branch;
Da, dacă în cererea-contract de depozit este stipulată rata flotantă. În acest caz, banca are dreptul să diminueze sau să majoreze dobânda în mod unilateral, informând despre aceasta clientul cu cel puțin 15 zile înainte de intrarea în vigoare a deciziei. Clientul va fi informat prin afișarea anunțului în subunitățile băncii, pe pagina web a băncii (www.maib.md), prin intermediul SADD sau prin intermediul mijloacelor mass-media.
To access the maibank app, the customer needs a card account.
Interest shall be paid monthly, depending on the type of deposit:
- On the 4th day of the month;
- Depending on the date on which the deposit is lodged;
- Capitalized