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
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: |
|
|
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 |
||
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 |
|
|||
4.1.2 |
|
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 |
||
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 |
||
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 |
36.00% annual |
The penalty applies from the first day of registration of the arrears until the 119th day inclusive. | |
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 |
|
|
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 |
frequent questions
- 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.
- Identity card of the administrator and founders;
- The documents of the establishment of the company;
- Other documents, which the bank may request.
Special offers for small businesses from Visa partners
Whatever stage your business is at, you will receive expert assistance. Check out the offers below from our partners for website creation, online sales development, cashless payment acceptance, marketing and other offers. Read more here.
Get USD 20 off when you purchase a Solis Lite with Power Bank and 5GB of Global Pay-per-GB Data, with your Visa Business Card
Skyroam Solis – is a dual 4G/LTE global hotspot and power bank that provides ultra-fast, secure and affordable mobile data in over 130 countries.
Get 10% off online English courses at the British Council with your Visa Business card.
The British Council is a British organization dedicated to international cultural and educational opportunities.
Get 20% off self-paced courses by Simpliv with a Visa Business card
Simpliv is a global online learning marketplace that is changing people's lives by offering online learning on a wide range of topics.
Benefit from platform setup fees and up to 32% off greytHR, with your Visa Business Card
greytHR is the first fully integrated cloud-based HR and payroll software. Its automation capabilities and affordable price make greytHR the preferred choice for over 15,000 brands worldwide, including industry leaders such as Chai Point, Volvo, Teamlease and Hexaware
Get 30% off your first year of an Access People HR subscription with a Visa Business Card
Access Group is one of the leading providers of business management software for SMBs in the UK, Ireland and Asia Pacific.
Get a free 1-month trial of Codeblu Learning Management Solution for up to 40 employees, with your Visa Business card
Codeblu is a next generation digital skills development and enterprise learning solution that offers a learning platform
Get $5,000 of promotional credits on AWS Activate with a Visa Business card.
AWS Activate provides startups with various benefits, including AWS credits, technical support, and training to help grow your business.
Get a domain and email/website builder/hosting starting at $1.49/month with a Visa Business card.
ResellerClub is an ICANN accredited registrar that empowers web professionals to attract SMB clients online.
Get USD 1,000 credits on Shopify Plus, along with benefits across Shopify apps, with your Visa Business Card
Shopify is an online company that has been developing software for online and retail stores for over 15 years. This commercial platform will allow you to start, grow and manage your business
Get up to 9% off your AWS monthly billing with a Visa Business Card
Amazon Web Services (AWS) is the world's most widely deployed and powerful cloud platform, providing over 200 full-featured services for data centers around the planet
Get 12% off on your monthly Microsoft Azure billing, with your Visa Business card
Microsoft Azure is Microsoft's cloud platform that provides the ability to develop, run applications, and store data on servers located in distributed data centers.
Get 10% off conference rooms and HQ memberships
HQ Global Workplaces Inc. provides offices in the business center industry. The company offers solutions for private offices, teams, meeting rooms and virtual offices both on a short and long-term basis.
Get 10% off Coworking & Meeting Rooms at Spaces, plus free one-day access to any Spaces Coworking & Meeting Room
Spaces is a company created to take care and ensure your comfort during the work process around the world, wherever you are.
Get a monthly Google Workspace subscription starting at $3 with a Visa Business card.
Google Workspace gives an opportunity to collaborate on the Internet in a whole new way and increase business productivity.
Get 30% off your first year of an Access EasyPay subscription with a Visa Business Card
Access EasyPay is a smart, intuitive payroll and HR solution trusted by over 4,000 companies and 18,000 users
Get 50% off on 3 months of the pro plan and free access to WhatsApp Business API, with your Visa Business card
BotSpace is the fastest chatbot platform for automating customer support on WhatsApp, Messenger, Instagram, Twitter and other social media messaging channels
Get 50% off on 3 months of the pro plan and free access to WhatsApp Business API
BotSpace is the fastest chatbot platform for automating customer support on WhatsApp, Messenger, Instagram, Twitter and other social media messaging channels
Get a 25% discount on software rental and an additional 1 month of Exotel free use
Exotel is the emerging market's leading end-to-end customer engagement platform
Get $10,000 worth credits on Freshworks products
Freshworks is a cloud-based customer relationship management (CRM) system that helps small and medium-sized businesses organize and automate sales, marketing, and customer service workflows.
Get 10% off Google Cloud Platform Monthly Billing, with your Visa Business Card
Google Cloud Platform is a set of cloud computing services that run on the same infrastructure that Google uses for its end user products such as Google Search, Gmail, Google Drive and YouTube
Get 20% extra credits on a minimum billing of USD 200
Kaleyra is an API-based platform for interaction with your customers through personalized messaging, chatbots, programmable voice services, and more.
Get 30% off ProfitBooks SMB Plan
ProfitBooks is the best inventory management software trusted by 35,000 companies in the US, UAE, India and 21 other countries
Regus makes every effort to ensure that your working hours are as comfortable as possible for you and your employees.
Get 10% off conference rooms, business lounges, co-working spaces, virtual offices at Regus, and free one-day access to any Regus service, with your Visa Business Card
Get 50% off all BuildMyLogo plans with a Visa Business card.
BuildMyLogo is a service that will help you bring your logo idea to life.
Get up to $1,500 of credits for LinkedIn Ads/Services with a Visa Business card.
LinkedIn is the world's largest professional network with over 850 million members in over 200 countries and regions. First Page is a global effective marketing and digital advertising company. By seeing your business goals, the company implements an integrated digital strategy backed by data.
Get 25% off your first year of Pipedrive subscription with a Visa Business card
Pipedrive is the No.1 easy-to-use CRM tool for users to generate more qualified leads and grow your business.
Get up to $1,500 of credits for Reddit Ads/Services with a Visa Business card.
Reddit is an online platform with 430 million users that will suit businesses with any target audience. First Page is a global effective marketing and digital advertising company. By seeing your business goals, the company implements an integrated digital strategy backed by data.
Get up to $1,500 of credits for Twitter Ads/Services with a Visa Business card.
Twitter is a microblogging system that allows users to post short text notes via a web interface, instant messaging services, SMS, or third-party programs. First Page is a global effective marketing and digital advertising company. By seeing your business goals, the company implements an integrated digital strategy backed by data.
Get promo code worth USD 125 and 60% off Adzooma Plus, with your Visa Business Card
Microsoft Advertising is a service that provides pay-per-click advertising and allows advertisers to target their ads by limiting them to a specific set of demographics
Get up to USD 1,500 Google ads/service credits, with your Visa Business Card
Google Ads is a specialized system for placing contextual advertising on the pages of the Google search engine and on partner websites of the display network, which allows for the profitable use of all the advantages of advertising on the Internet: show ads to the target audience, at the right time and in the right place
Get 20% off your annual HBR Digital subscription, with your Visa Business Card
Harvard Business Review is a monthly non-fiction magazine dedicated to various business management issues.
Get 20% off your purchase of new iStock subscriptions, with your Visa Business Card
iStock – is a global microstock photography provider that offers millions of photos, illustrations, clip art, videos, and audio tracks.
Get up to USD 1,500 Meta Ads and service credits, with your Visa Business Card
Meta Ads is an all-in-one tool for creating and publishing ads on Facebook, Messenger, Instagram and the Meta Audience Network
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.
* The customer is responsible for all financial obligations arising from the cashback (payment of taxes and fees in accordance with the law).
Maib – we join efforts, we develop businesses.
Visa Business and Visa Business Digital cardholders can enjoy significant discounts when travelling with Letz Taxi:
- 20% discount for travel within Chișinău, Orhei, Ungheni, Cahul, Leova, Soroca, Leova, Ungheni, Leova, Soroca and Bălți. Offer valid until 30.09.2025.
Download the https://letz.md/ app and add your Visa business card as the main payment method to take advantage of the offer. We wish you successful business and pleasant travelling with Letz Taxi.
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
if you apply outside office hours, on weekends or holidays, we will contact you the next working day.