maib classic deposit
deposit calculator
our offer
about
The maib classic deposit is ideal for those who have available capital who want to receive maximum passive income from it in interest. It is a deposit designed for those ready to wait for maximum benefit. Maib classic is a deposit with no early withdrawal facility offering monthly interest.
Interest rate
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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 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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90 days |
1.25 |
0.20 |
0.05 |
1.75 |
0.30 |
0.10 |
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180 days |
1.75 |
0.90 |
0.45 |
2.25 |
1.10 |
0.65 |
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365 days |
2.50 |
1.20 |
0.80 |
3.00 |
1.40 |
1.00 |
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540 days |
3.00 |
3.50 |
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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.
- On early withdrawal of the deposited amount, but after 365 days after the deposit opening date, the interest is recalculated and paid in a size of 50% of the calculated interest amount. 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 22 June 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
In determining the interest, the actual daily balance of the deposit account at the date of calculation shall be taken into account, the following formula being applied:
S = P * i / K / 100, unde: S= P*i/ K/ 100, where
S – calculated rates amount;
P – actual balance of the deposit account;
i – interest rate in force on the day of calculation;
K – the number of calendar days in the management year.
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