Visa business

Free top- up methods:

• At CDM maib terminals: for individuals authorised to deposit cash, according to the specimen signature sheet (with first and second signature rights).
•  24/7, via internet banking, the money will be credited to the account balance on the next working day after the transaction is made.
• At any maib cash-in ATM: using the physical card, with immediate access to the cash received, but which will be credited to your account balance the next working day.
• At maib cash desks: with the ID card for those authorised to deposit cash, the money will be credited immediately.
• By bank transfer to the card account.

Withdrawal methods:

• Without using the physical card: at any maib ATM, equipped with NFC technology, via Google Wallet, Apple Wallet, or Garmin Pay.
• Without using the physical card: at POS terminals at bank cash desks, via Google Wallet, Apple Wallet, Garmin Pay.
• Using the physical card: insert the card into the ATM or touch the card to the NFC indicator if the ATM is equipped with this technology.
• Money transfer from your card account via payment order.

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• By internet banking, which gives you access both to information on the status of your card account and to a wide range of banking services: electronic statements, payment execution, information on exchange rates, payment history, etc;
• The maibbusiness app gives you real-time access to your company's accounts with maximum mobility and security.

The following operations can be performed from the app:

1. the payment of public services, taxes, fees, fines and other payments to the national public budget through the Government Electronic Payment Service (MPay);
2. signing payments;
3. viewing balances and statements for each card;
4. receiving notifications of any payments made;
5. obtaining and sharing bank receipts;
6. details of a card’s status and expiry date.

• Activate the SMS-notifications service through which you will be constantly informed about the status of transactions, card entries and withdrawals;
• Maibusiness bot - directly from Telegram or Viber, you get all the information about the status of your account and receive notifications about transactions. At the same time, you can view your company's account balance and statement for any available account;
• Call 1314 for immediate support.

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.

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.

Starting from February 1, 2025, the national legislation regarding strict customer authentication will take effect. The key changes are as follows:

1. For payments at merchants by presenting the business card: If you make more than five consecutive payments without entering the PIN, the PIN will be required on the sixth payment.
2. For cumulative payments: If the transactions between two strict authentications exceed 2000 MDL (or the equivalent in foreign currency), you must enter the PIN for the next payment.
3. For payments via electronic wallets (Apple Pay, Google Pay, Garmin Pay): There are no changes, and entering the PIN is not required.

If you encounter difficulties at the POS, we recommend asking the operator to repeat the transaction by inserting the card or paying via the electronic wallet.

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.

Exclusive offer for cardholders Visa Business and Visa Platinum Business! Now, use your Visa Business card to enjoy a 15% discount on documents and parcels sent through Nova Poshta!

How to take advantage of the offer:

1. Register in the Visa Concierge chatbot to receive your unique promo code.

2. Visit any Nova Poshta branch and provide the promo code you received.

3. Pay for your delivery with your Visa Business card and enjoy your 15% discount!

The offer is valid until June 30, 2025, for documents and parcels up to 30 kg, within the Republic of Moldova, Ukraine, and Romania.

Enjoy high-quality medical services at Acibadem clinics in Turkey and take advantage of a special 15% discount, available exclusively for Visa Business cardholders.

Services included in the offer:

• Medical consultations;
• Laboratory tests;
• Radiological examination;
• Regular medical check-ups;
• Surgeries.

How to benefit from the offer:

1. Inform the recepton staff that you wish to apply the discount.
2. Provide the promo code VISA 6364 before making the payment.
3. Pay for the services using your Visa Business card.
4. The Acibadem representative will mannually apply the discount, after which you will be able to pay the reduced price.

Terms of the offer:

• The offer is valid for all types of Visa Business cards.
• The discount cannot be combined with other promotions or benefits and does not apply to expenses covered by insurance.
• The discount cannot be applied after the payment has been made.
• Acibadem Healthcare Group reserves the right to modify the terms and conditions of the promotion or cancel the discount in case of fraud or misuse.
• The offer is valid until May 31, 2026.

Take advantage of this opportunity at any of the Acibadem clinics in Istanbul, Ankara, Izmir, and other locations across the country.

Learn more here.

Discover a world full of adventures with BookingBash – the mobile app that helps you explore the most fascinating places, historical landmarks, amusement parks, tastings, and much more when you travel abroad! Now, with the Visa Business card from maib, you can enjoy an special offer:

Free annual ADVENTURER subscription for all Visa Business cardholders, offering up to 50% off hundreds of recreational activities in 19 countries!

How to benefit from the offer?

1. Download the BookingBash app from App Store or Google Play.
2. Select Discover Offer on the homepage.
3. Register your Visa Business card in the app (the first 6 digits will confirm eligibility).
4. Done! Enjoy special discounts on unforgettable activities worldwide.

Countries included in the offer: Australia, Austria, Czehch Republic, France, Germany, Greece, Hungary, Island, Irland, Italy, Oman, Poland, Portugal, Singapore, Spain, Turkey, United Arab Emirates, United Kingdom, USA.

The offer is valid until November 30, 2026.

For further details, visit visa.md.