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visa business digital debit
business accelerator in the digital world
0 MDL
EUR/USD/MDL
free
about
Maib is the only bank in Moldova that offers legal entities customers Visa business digital cards – ideal payment tools for using the card anytime and everywhere in the world to make and monitor the company’s administrative expenses and avoid the risks related to cash payments.
The digital cards are intended for all legal entities that use the maib business app
Business Digital card:
- it has all the functionalities of a physical card
- it is more convenient to store on your smartphone
- it is has a lower monthly maintenance fee (only 10 MDL / 2 USD / 2 EUR)
- validity period: 8 years
- can be opened in EUR/USD/MDL.
Advantages of the digital business card:
- It is possible to open a digital business card at any time convenient for the customer 24/7 via the maib business app for legal entities without going to a branch.
- Opening a card for any company employee, as long as they are a maib customer or after becoming a maib customer.
- It is possible to open a card on an existing and a new account.
- You can open a card in any of the 3 currencies: USD, EUR, MDL.
- After opening the card by the company administrator in maib business, the digital card is soon available to designated cardholders in the maibank mobile app.
Card account free top-up:
- at maib counters, with an ID card, for those entitled to top up the account, according to the specimen signature sheet;
- at maib CDM terminals, for those entitled to top up the account, according to the specimen signature sheet;
All maib deposits are guaranteed according to Law on the Guarantee of Deposits in Banks No 160 of June 22, 2023. Details here.
The digital card can only be requested by current bank customers via the maib business web service.
rates
| Card type |
Visa Business Digital |
Notes | |||
| Card account currency: | EUR | USD | MDL | ||
| Conditions for opening/closing the current account and card issuance: | |||||
| Fee for opening a current account with Businesscard | 0.00 | ||||
| Minimum initial amounton the account | |||||
| Card issuance fee | |||||
| Fee forurgent card issuance (in addition to the card issuance fee) | On Digital card types not applicable | ||||
| Monthly administration fee for each card | 0.50 | 10.00 | The fee is charged on the first calendar day of each month for the previous full month. By card type Digital monthly card administration fee 10 mdl / 0.5 usd/ eur. | ||
| Card validity period | 8 years | The digital card is valid for 8 years. | |||
| Minimum account balance | 0.00 | ||||
| Fee for closing the current account | 25.00 | 350.00 |
It is charged on the day of application for closing account. In the case of closing the account at the bank's initiative, the following amount is charged: - for the account in MDL – up to 350 MDL, -for the account in FC – up to 25 EUR/ USD, up to maximaze of the available balance,including when the company is liquidated. |
||
| Monthly fee for the administration of the account during the process of closing | within the available balance but not more 5.00 | within the available balance but not more 100.00 |
It is сharged within the available balance on the account under the following conditions: 1. not more: - in national currency - 100 MDL, - in foreign currency - 5 EUR/USD |
||
| Card reissuance conditions: | |||||
| Reissuance of the card in case of expiration | 0 | On Digital card types not applicable. | |||
| Card reissuance in case of loss, theft, damage, compromise, or other cases | On Digital card types not applicable. | ||||
| Commission fees: | |||||
| Top-up the card account: | |||||
| in cash at the branch maib by collection order | 0.00 | ||||
| at the maib ATM | - | 0.00 MDL | Top-up is foreign currecy is not allowed. | ||
| Changing the PIN code: | |||||
| maib ATMs | 1 transaction/month- free, the others.00 | 1 transaction/month- free, the others 20.00 | It is charged at the time of the transaction. | ||
| ATMs of other banks in the Republic of Moldova/ abroad | 1.00 | 20.00 | |||
| Cash withdrawal fee: | |||||
| ATM maib | 1.00% | Cash withdrawals in maib branch, POS and ATMs are made only in MDL. Maximizare cash withdrawal limit per day (00:00- 24:00) – 200 000 MDL | |||
| up to 50,000 MDL (inclusively) daily | |||||
| more than 50,000 MDL daily | 1.30% | ||||
| Banking POS in maib branches | 1.20% | ||||
| ATM/ bank POS in the branches of other banks in Moldova |
1.50% a minimum of 1.50 |
1.50% a minimum of 25.00 |
Suppose the currency of the transaction differs from the currency of the card account. In that case, the transaction amount is converted at the rate for maib card operations established on the date of processing the transaction. | ||
| ATMs/ bank POS of other banks abroad |
1.50% a minimum of 3.00 |
1.50% a minimum of 60.00 |
|||
| Commission fee for settlement at branches maib without presenting the card |
1.50% |
It is charged when the transaction is carried out. | |||
| 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 is modified per the NBM regulations. | |||
| Paying for purchases at merchants, including Internet transactions: | |||||
| from the Republic of Moldova | 0.00 | ||||
| from abroad | |||||
| Registration of the transferred amounts in the card account: | |||||
| from other banks in the Republic of Moldova | 0% | ||||
| from abroad of the Republic of Moldova in foreign currency | |||||
| by transferring to the card through Visa Inc./Mastercard Inc. international payment system. | |||||
| top-up the account by “credit-voucher”/ “original credit” | |||||
| Viewing (with or without printing) card account balance : | |||||
| in maib branches/ATMs for viewing, performed within a calendar month | 5 transaction / month – free, the others 0.06 | 5 transactions / month – free, the others 1.20 | It is collected at the time of the transaction. | ||
| in the branches/ATMs of other banks in the Republic of Moldova/abroad (each view) | 0.50 | 10.00 | |||
| through remote access channels, for viewing, performed during a calendar month | 30 transactions / month – free, the others 0.06 | 30 transactions / month – free, the others 1.20 | |||
| Requesting the miniaccount statement: | |||||
| at maib ATMs for the statement, requested within a calendar month | 3 transactions / month – free, the others 0.07 | 3 transactions / month – free, the others 1.40 | It is collected at the time of the transaction. | ||
| through remote access channels for requests made within a calendar month | 30 transactions / month – free, the others 0.07 | 30 transactions / month – free, the others 1.40 | |||
| Requesting the monthly statement: | |||||
| monthly statement by email | 0.00 | ||||
| each additional statement requested at the branch maib | 1.00 | 20.00 | It is collected at the time of the transaction. | ||
| Interests rate: | |||||
| Variable interest on available balance from the card account (including the tminimum account balance): | according to the Pricing Policy for banking products and services provided to SME customers | ||||
| Other conditions : | |||||
| Penalty for unauthorized account overdraft (interest applied to the amount of unauthorized overdraft from the first day of registration) | 20.00% | 40.00% | Проценты указаны из расчёта годовых | ||
| Investigating, contesting and managing disputes regarding transactions carried out on the territory of the Republic of Moldova, per transaction | 1.00 | 20.00 | The commission fee 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 | ||
| Investigating, contesting and managing disputes regarding transactions made abroad, per transaction | 10.00 | 200.00 | |||
| Card blocking in case of loss, theft, damage | 0.00 | ||||
| Cashing and payment operations through internet banking | in accordance with the Rates and Commissions applied to non-credit products/services provided to legal entities | It is collected at the time of the transaction. | |||
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frequent questions
Issuing digital business cards for legal entities via web maib business is accessible to existing bank customers. The right to apply for a digital business card issuance is exclusively reserved for the legal entity's authorized person (Administrator).
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 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:
- at ATMs equipped with NFC technology, via Google Wallet, Apple Wallet, and Garmin Pay;
- at POS-terminals at the bank's cash desk, via Google Wallet, Apple Wallet, and Garmin Pay.
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.