maib classic+deposit
deposit calculator
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about
Maib classic+ deposit is a long-term deposit, perfect for those who want to save money, receiving a maximum passive income in the form of interest. The deposit does not allow additional deposits and early withdrawal. It has a fixed interest rate, revised every 180 days.
Interest rate Fixed rate for first 180 days*, up to 4.00% annually |
Term
|
Interest payment
|
Minimum balance
|
Additional deposits
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Withdrawals
|
Deposit opening
|
Automatic renewal
|
rate
|
Term |
Interest rate |
Interest rate |
||||
|
MDL |
USD |
EUR |
MDL |
USD |
EUR |
|
|
1095 days |
3.50 |
1.50 |
0.90 |
4.00 |
1.70 |
1.10 |
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 180 days – 100% of the calculated and paid interest for the first 180 days
- After 360 days – 100% of the calculated and paid interest for the first 360 days
- After 540 days – 100% of the calculated and paid interest for the first 540 days
- After 730 days – 100% of the calculated and paid interest for the first 730 days
- After 910 days – 100% of the calculated and paid interest for the first 910 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
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.