maib multioptional+deposit
deposit calculator
our offer
about
Maib multioptional deposit is ideal for you if you want to save at your pace, at any time to deposit or withdraw money from your account for urgent needs, keeping the minimum balance and without losing interest previously received. You have permanent access to the money, without any restrictions on the deposit or withdrawal of the financial means, the interest being paid on a monthly basis.
Interest rate Fixed rate for first 365 days**, up to 1.5% annually |
The term It opens for 1095 days |
Interest payment Monthly on the card account or current account of the depositor |
Minimum balance 3000 MDL / 150 EUR / 150 USD |
Further deposits Additional top-ups are allowed, including by making transfers from abroad ( SWIFT ) directly to the deposit account |
Withdrawals Allowed |
Deposit opening Online in the maibank mobile app or at any maib branch |
Automatic renewal Allowed |
interest
The fixed interest rate shall be transferred monthly to the current or card account
|
Term |
Interest rate |
Interest rate |
||||
|
MDL |
USD |
EUR |
MDL |
USD |
EUR |
|
|
1095 days |
1.00 |
0.25 |
0.15 |
1.50 |
0.35 |
0.25 |
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
Upon opening the deposit account, the depositor may request a bank card free of charge.
Payment of interest in case of early termination of the contract:
- up to 30 days – the interest is not paid
- after 30 days – the interest is calculated and pain in the amount provided by the bank for the current accounts with interest of individuals
- after 365 days – 100% of the calculated and paid interest for the first 365 days
- after 730 days – 100% of the calculated and paid interest for the first 730 days
The interest already paid is returned by withholding the respective amount from the deposit amount by the bank.
All maib deposits are guaranteed in accordance with the Law on guaranteeing deposits in banks no. 160 of June 22, 2023. More details here.
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
Yes, starting with 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.
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