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Mastercard business
Credit available for your business ideas
up to 300 000 MDL
4 years
zero MDL
about
The maib business credit card - the simple and efficient credit tool for covering your current business needs. Use it now, pay later.
Credit line conditions:
- Credit limit: up to 300 000 MDL, whenever you need it;
- 0% interest during the grace period*;
- Period of validity: 4 years, with the possibility of extension;
- Minimum monthly payment: 5% of credit amount on the last day of the previous month. If the grace period has expired, interests (%) will add to this amount.
*if you repay the amount used from the credit limit within 60 days.
The advantages of this card are:
- Free 24/7 card account top-up via internet banking, funds will be credited to the account balance on the next working day or at maib cash-in ATMs, with immediate access to the cash received, but credited to the account balance on the next working day.
- 24/7 access to the money in your account whenever you need it, at home and abroad;
- Safety and security:
- payments using Google Wallet, Apple Wallet, and Garmin Pay e-wallets;
- contactless payments in shops (the card is only in your hands);
- secure Internet shopping thanks to 3D Secure;
- Card payment fee - 0%, including online;
- 0% commission when topping your card account via ATM or bank transfer;
- Control over payments made by setting spending limits for cardholders;
- Elimination of advance payments to employees;
- Cash withdrawals at any ATM, at home and abroad;
- Issue an unlimited number of cards to cardholders (company employees) attached to the account;
Come to maib or call 1314 to learn more about the maib business credit card.
The deposits of individuals and legal entities are guaranteed up to the coverage level of MDL 100,000. More details here.
How to apply for an online loan
01
Fill in the online form
02
Coordinate all details remotely with maib. Receive the preliminary offer by email
03
Sign the necessary documents and take the money
business card delivery
Maib team is pleased to announce the launch of our business card delivery service.
What are the benefits for the client?
- Maximum convenience: You no longer need to visit our branches to pick up your business card. We make sure it arrives directly at the office.
- Time-saving: Time is precious in the business world, and with our delivery service, you save time that you can use to focus on developing your company.
- Security and confidentiality: We deliver business cards securely and confidentially, protecting throughout delivery.
How does it work?
- Place your order: Come to any maib branch and order a business card.
- Choose the address: Indicate the address (office address, home address) where you want the delivery to be made.
- Schedule the delivery: Choose a convenient date and time for delivery.
- Receive the card: Don't worry, you will soon receive your business card.
We're here to make running your business as simple and efficient as possible.
requirements
Apply for a credit card if you have an enterprise registered under the law in force.
commission fees
|
Nr |
Card type |
Mastercard (including card Instant) |
Notes: |
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Card account currency: |
MDL |
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1. |
Conditions for opening/closing the current account with attached card and card issuance: |
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1.1 |
Fee for opening a current account with Business card |
0.00 |
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1.2 |
Card issuance fee |
0.00 |
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1.3 |
Top up by transferring to the card through the Visa Inc./ Mastercard Inc. international payment system. |
200 MDL |
It is automatically charged when the card is issuing from the 2258 card account. |
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1.4 |
The administration fee for each card |
30 MDL |
The monthly card administration fee is charged on the first calendar day of each month starting with the 2nd year of card use. |
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1.5 |
Card validity period |
4 years |
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1.6 |
Fee for closing the current account |
350 MDL | It is charged when the account is closed. In the case of closing the account at the bank's initiative, the account is charged in MDL - up to 350 MDL, up to maximaze of the limit of the available balance, including when the company is liquidated. |
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2. |
Card reissuance conditions: |
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2.1 |
Reissuance of the card in case of expiration |
0.00 |
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2.2 |
Card reissuance in case of loss, theft, damage, compromise, other cases |
200 MDL |
With the bank's approval, the commission is not charged if the card was compromised due to other reasons that are not the responsibility of the cardholder. |
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3. |
Commission fees: |
own funds |
credit funds |
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3.1 |
Top up the card account: |
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|
3.1.1 |
In cash at the branch maib by collection order |
0.00 |
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3.1.2 |
At the maib ATM |
0.00 |
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3.1.3 |
At the CDM terminal maib |
0.00 |
Maximum cash limit for top-up transactions in CDM maib terminals per day (00:00-24:00) - 200,000 MDL |
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3.2 |
Non cash transfer fot top up card account |
0.00 |
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3.3 |
Top up via payment terminals of maib partners |
in accordance with the rates of the partners providing the service |
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3.4 |
Top up by transferring to the card through the Visa Inc./ Mastercard Inc. international payment system. |
0.00 |
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3.5 |
Non cash transfer of funds from an account via internet banking |
2 MDL |
1.9% din suma + 2 MDL |
Se încasează la momentul efectuării tranzacţiei. |
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3.6 |
Changing the PIN code: |
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3.6.1 |
Maib ATMs |
1 transaction/month – free, the others – 20 MDL |
It is collected at the time of the transaction. |
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3.6.2 |
ATMs of other banks in the Republic of Moldova/abroad |
20 MDL |
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4. |
Cash withdrawal fee: |
own funds |
credit funds |
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4.1 |
ATMs maib: |
1% |
1.9% of the amount |
Cash withdrawals in maib branch, POS and ATMs are made only in MDL. Maximizare cash withdrawal limit per day for ATMs maib (00:00- 24:00) – 200 000 MDL |
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4.1.1 |
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4.1.2 |
|
1.3% |
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4.2 |
POS in maib branches |
1.2% |
Within the limit of the available balance |
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4.3 |
ATMs/ Bank POS of other banks in the Republic of Moldova |
1.5% min 25.00 MDL |
If the currency of the transaction differs from the currency of the card account, the conversion of the transaction amount is carried out at the rate for card operations of the maib bank established on the transaction processing date. |
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4.4 |
ATMs/ Bank POS of other banks in the abroad |
1.5% min 60.00 MDL |
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4.5 |
Cash withdrawal fee at maib branches without presenting the card |
1.9% of the amount |
It is collected at the time of the transaction. |
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4.6 |
The monthly cash withdrawal amount from the card account in bank offices and ATMs abroad |
10 000 EUR |
The limit established on the card account by the National Bank of the Republic of Moldova and is modified in accordance with the NBM regulations. |
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5. |
Paying for purchases at merchants, including Internet transactions: |
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5.1 |
From the Republic of Moldova / from abroad |
0.00 |
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6. |
Viewing (with or without printing) card account balance: |
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6.1 |
In maib branches/ATMs for viewing, performed within a calendar month |
5 transactions/month – free, the others – 1.2 MDL |
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6.2 |
In the branches/ATMs of other banks in the Republic of Moldova/abroad (each view) |
10 MDL |
It is collected at the time of the transaction. |
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6.3 |
Through remote access channels, for viewing, performed during a calendar month |
30 transactions/month – free, the others - 2 MDL |
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7.
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Requesting the mini account statement: |
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7.1 |
At maib ATMs for the statement, requested within a calendar month |
3 transactions/month – free, the others – 1.4 MDL |
It is collected at the time of the transaction. |
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7.2 |
Through remote access channels, for request made within a calendar month |
30 transactions/month – free, the others – 1.4 MDL |
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8. |
Monthly statement request: |
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8.1 |
Monthly statement sent by email |
0.00 |
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8.2 |
Each additional statement requested at the branch maib |
20 MDL |
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9. |
Interests, fees, penalties: |
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9.1 |
Interest rate (for the used credit) |
according to the Pricing Policy for banking products and services provided to SME customers |
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9.2 |
Penalty for non-repayment of mandatory monthly payments on time |
36.00% annual |
The penalty applies from the first day of registration of the arrears until the 119th day inclusive. | |
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9.3 |
Penalty for unauthorized account overdraft |
40.00% annual |
The penalty applies to the amount of the unauthorized overdraft from the 6th (sixth) day of registration until the 119th day, inclusive. | |
|
9.4 |
The interest rate applied to overdue amounts after exceeding 119 days of arrears |
by 5 p.p. higher than the Interest rate on the term loan according to the credit agreement |
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10. |
Other operations and services: |
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10.1 |
Card delivery service |
40 MDL |
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10.2 |
Investigating, contesting and managing disputes regarding transactions carried out on the territory of the Republic of Moldova, per transaction |
20 MDL |
The commission for the investigation, contestation and administration of disputes regarding transactions carried out abroad/on the territory of the Republic of Moldova is retained per transaction, regardless of its results. Exceptions are cases of disputes resulting from technical errors of ATMs/POS-terminals. Additional fees may be withheld in accordance with the commission fees of the payment systems in the case of disputes reviewed by their Arbitration Committees. |
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10.3 |
Investigating, contesting and managing disputes regarding transactions made abroad, per transaction |
200 MDL |
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10.4 |
Card blocking in case of loss, theft, damage |
0.00 |
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10.5 |
Cashing and payment operations through internet banking |
In accordance with the Rates and Commissions applied to non-credit products/services provided to legal entities |
Card blocking in case of loss, theft, damage |
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frequent questions
- Deposit cash at any maib branch, the account balance will be credited immediately, the same working day;
- Free of charge top-up of the card account at any maib cash-in ATM, with immediate access to the cash received, but with a subsequent credit to the account balance on the next business day after the transaction is made;
- Deposit cash at an ATM using a unique code (cash-in by code). The money on the card is available immediately but credited to the account balance the next working day after the transaction;
- By transfer from other banks' accounts.
- Internet banking, which gives you access to information on the status of your card account as well as a wide range of banking services: electronic statements, payment execution, information on exchange rates, payment history, etc..;
- The SMS notification service will keep you constantly informed about the status of transactions, entries and exits on your card;
- Maibusiness bot - directly from Telegram or Viber, you get all the information about the account status and receive notifications about transactions. You can also view your company's account balance and statement for any available account;
- Call 1314 for immediate support.
- Payment of purchases/services, cash release/withdrawal from credit card account.
- Start of the grace period.
- Receipt of message and monthly statements with the amount of the required payment (5%) + % or the amount for full payment during the grace period.
- End of grace period - penultimate working day. Pay the full amount of the credit used in the previous month to benefit from the grace period.
Or, you pay the mandatory monthly payment + % to the loan.
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.
- Identity card of the administrator and founders;
- The documents of the establishment of the company;
- Other documents, which the bank may request.
Special offers from Mastercard partners
To further delight cardholders with offers and benefits that create priceless memories, the Mastercard company has revamped its offer for hotel bookings on Booking.com.
Now this possibility is also available for mass market and premium cards as follows:
Standard offer - up to 6% instant discount for all Mastercard cards, including business cards.
Important:
The promotion is only valid when booking via the link: https://sp.booking.com/index.html?aid=2329921
Bookings made through the Booking.com website or mobile app do not qualify for this promotion.
Subsequently, go through the necessary steps on the booking platform.
The discount is displayed at each step and is automatically applied when you pay with your Mastercard card.
Maib is excited to announce the launch of a special promotion for business clients - instant cashback. Customers can benefit from a 3% cashback* on each payment made with the maib business card at car service centers, PECO stations, office equipment and furniture, and restaurants.
Make payments of at least 1,000 MDL using maib Visa business, Visa digital business, or Mastercard business cards within the Republic of Moldova and receive 3% cashback on the value of each transaction.
The promotion is valid from September 16, 2024, to February 28, 2025, and may be extended until the allocated budget is exhausted."
The guaranteed cashback amount varies depending on the card used:
- business credit cards: up to 2,000 MDL monthly per card;
- business debit cards: up to 1,000 MDL monthly per card.
The following transactions are eligible for the promotion:
- for business credit cards:
- car service centers
- gas stations (PECO);
- equipment, including maintenance and office furniture;
- restaurants and fast food chains;
- for business debit cards:
- car service centers;
- gas stations (PECO).
The promotion offers an excellent opportunity for maib clients to benefit fully from every business card payment. Apply for a business card now and enjoy the advantages of the offer, saving more with every purchase!
The official promotion rules can be found here.
Maib – we join efforts, we develop businesses.
* The customer is responsible for all financial obligations arising from the cashback (payment of taxes and fees in accordance with the law).
Don't miss the chance to experience an incredible performance, part of a global tour, which will debut at Chișinău Arena. Stunning visual effects, breathtaking dance and acrobatic moments, and amazing sets – all waiting for you to enter a fairytale world!
How to benefit from the offer?
- Purchase your tickets on afisha.md
- Pay with your maib Visa Business card and enjoy a 10% discount
The offer is valid until January 4, 2025.
submit your online credit application
fill in the fields below
submit your online credit application
introdu codul OTP primit la numărul de telefon +373
- step 1 of 2 legal entity data and credit details
- step of 2
Received!
the request has been successfully sent and will be processed from Monday to Friday, from 9:00 to 17:00.
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.