Visa business

legal entities credit cards Visa business

Credit limit

up to 300 000 MDL

Period

4 years

Issuance fee

zero MDL

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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;
- GCAS (Global Customer Assistance Services) - Visa's Global Customer Assistance Service, emergency cash release, blocking and replacement of lost and stolen cards.
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

Fill in the online form

Coordinate all details remotely with maib. Receive the preliminary offer by email

Sign the necessary documents and take the money

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) business credit card / Visa business credit card		Notes:
	Card account currency:	MDL
1.	Conditions for opening/closing the current account with attached card and card issuance:
1.1	Fee for opening a current account with Business card	0.00
1.2	Card issuance fee	0.00
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.
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.
1.5	Card validity period	4 years
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.
2.	Card reissuance conditions:
2.1	Reissuance of the card in case of expiration	0.00
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.
3.	Commission fees:	own funds	credit funds
3.1	Top up the card account:
3.1.1	In cash at the branch maib by collection order	0.00
3.1.2	At the maib ATM	0.00
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
3.2	Non cash transfer fot top up card account	0.00
3.3	Top up via payment terminals of maib partners	in accordance with the rates of the partners providing the service
3.4	Top up by transferring to the card through the Visa Inc./ Mastercard Inc. international payment system.	0.00
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.
3.6	Changing the PIN code:
3.6.1	Maib ATMs	1 transaction/month – free, the others – 20 MDL		It is collected at the time of the transaction.
3.6.2	ATMs of other banks in the Republic of Moldova/abroad	20 MDL		It is collected at the time of the transaction.
4.	Cash withdrawal fee:	own funds	credit funds
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
4.1.1	up to 50,000 MDL (inclusively) daily	1%
4.1.2	more than 50,000 MDL daily	1.3%
4.2	POS in maib branches	1.2%		Within the limit of the available balance
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.
4.4	ATMs/ Bank POS of other banks in the abroad	1.5% min 60.00 MDL
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.
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.
5.	Paying for purchases at merchants, including Internet transactions:
5.1	From the Republic of Moldova / from abroad	0.00
6.	Viewing (with or without printing) card account balance:
6.1	In maib branches/ATMs for viewing, performed within a calendar month	5 transactions/month – free, the others – 1.2 MDL
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.
6.3	Through remote access channels, for viewing, performed during a calendar month	30 transactions/month – free, the others - 2 MDL		It is collected at the time of the transaction.
7.	Requesting the mini account statement:
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.
7.2	Through remote access channels, for request made within a calendar month	30 transactions/month – free, the others – 1.4 MDL		It is collected at the time of the transaction.
8.	Monthly statement request:
8.1	Monthly statement sent by email	0.00
8.2	Each additional statement requested at the branch maib	20 MDL
9.	Interests, fees, penalties:
9.1	Interest rate (for the used credit)	according to the Pricing Policy for banking products and services provided to SME customers
9.2	Penalty for non-repayment of mandatory monthly payments on time, from the first day of registration of the arrears until the 119th day inclusive	36.00%		Interest is calculated on an annual basis
9.3	Penalty for unauthorized account overdraft (interest applied to the amount of unauthorized overdraft from the first day of registration to the 119th day inclusive)	40.00%		Interest is calculated on an annual basis
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
10.	Other operations and services:
10.1	Card delivery service	40 MDL
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.
10.3	Investigating, contesting and managing disputes regarding transactions made abroad, per transaction	200 MDL
10.4	Card blocking in case of loss, theft, damage	0.00
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

required documents

Identity card of the administrator and founders;
The documents of the establishment of the company;
Other documents, which the bank may request.

frequent questions

You can set the PIN code at any maib ATM, POS terminal in the branch or directly in the maibank app.

How to set or change the PIN code online for your business card through maibank?

Access the maibank app;
Choose the business card for which you want to configure the PIN;
Select the "Set PIN code" option from the card menu;
Enter a four-digit PIN code that you want;
Repeat the new PIN code for confirmation;
Complete the process through standard authorization methods.

The card with physical support will be active after setting the PIN code in maibank.

If you have forgotten/lost the set PIN, change the PIN code in maibank without reissuing the card. For this, select the "Change PIN code" option from the card options and follow the steps similar to the settings.

The use of the card for making payments, with the physical insertion of the card in the POS terminal, will be possible only after a successful transaction with contact at any maib ATM (physical insertion in the ATM) and confirmation with the new PIN code set in maibank (e.g. Balance check, Cash withdrawal).

Activating the card via ATM and POS terminal:

To set the PIN code, you need the activation code, which you will automatically receive via SMS from the short number 6242 on the 3rd day after the card is issued.

The PIN is set, and the card is activated at maib ATMs or POS terminals in maib branches/agencies.

To set the PIN at maib ATMs, do the following:

Insert the card into the ATM and select the language;
Enter and confirm the activation code received via SMS from the short number 6242;
Set the PIN and repeatedly confirm the entered PIN;

After setting the PIN, the card is automatically activated.

To set the PIN at POS terminals in maib branches/agencies, follow the instructions of the bank employee:

enter the PIN code you want and confirm;
reenter the PIN code desired and confirm;
enter the activation code received by SMS and confirm.

After setting the PIN, the card is automatically activated.

If you lost or did not receive the SMS with the activation code from the short number 6242, you can request the Activation Code using one of 3 ways:

Send an SMS from the phone number to the short number 6242, indicating the last 4 digits of the card. The SMS must not contain spaces and characters other than the last 4 digits of the card or
Select the "Activation code" function in the maibank app and indicate the phone number* and the last 4 digits of the card you own. This is the case for new customers - cardholders of the Bank or
Select the inactive card from the list of cards in the maibank app. This is for existing customers - cardholders.

Changing the phone number to which the SMS with the Activation Code is sent can only be done at bank branches upon your request.

Receiving the activation code and requesting the activation code is carried out using the phone number indicated in the profile of the designated holder whose name the card is issued in the bank's system.

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.

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.

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.

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.

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