ECBank review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
ECBank centres on deposits that combine online and branch opening with flexible administration for savings goals. It is a bank with deposit protection membership in the Republic of Moldova for households organising savings in one place and managing everyday money alongside longer term plans.
Key facts
Loans
- APR
- 9.38% to 11.02%↗
- Loan amount
- MDL 3,000 to MDL 400,000↗
- Term
- 3 months↗
- Arrangement fee
- 0% one-off granting fee (comisioane: Unic de acordare 0%, Lunar de administrare 0%, Analiza cererii de acordare 0%)↗
- Credit check
- Hard↗
- Representative example
- Retail Simplu: 100 000 MDL over 60 months at 10.50% (DAE 11.02%), commissions 0%: monthly payment approx. 2 149 MDL, total approx. 128 963 MDL↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Citizen of the Republic of Moldova with a permanent residence permit in Moldova, aged 21 to 70 (loan fully repaid by age 70), stable documented income↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation, Secured, Car, Credit-line↗
- Use cases
- Home-improvement↗
Savings
Credit cards
- Rewards type
- None↗
Facts checked September 26, 2026, 10 sources
Pros and cons
Pros
- Deposits open online or in a branch with flexible administration.
- Membership in the Moldovan deposit protection framework supports confidence.
- Digital identification through a phone allows convenient customer verification.
Cons
- Its deposit centred range gives limited choice beyond savings products.
- Phone based identification favours customers who are comfortable using digital documents.
Ready to try ECBank?
Who it suits
- Households building savings toward defined goals
- Savers who want online and branch access
- Customers who value formal deposit protection
Who should look elsewhere
- Borrowers seeking loans or credit products
- Shoppers seeking broad everyday card rewards
How your money is protected
ECBank belongs to the deposit protection scheme in the Republic of Moldova, which provides a formal structure for safeguarding bank deposits. Membership places savings within a recognised national framework rather than leaving protection unclear. A published reference measure for deposit rates supports openness around how savings conditions are set.
How ECBank compares
Frequently asked questions
Where can a deposit be opened?+
Deposits can be opened online or in a branch, which gives a choice of access routes. The application supports convenient opening for customers who prefer digital service. Branch service remains for customers who prefer face to face handling.
How is money held with ECBank protected?+
ECBank belongs to the deposit protection scheme in the Republic of Moldova. Membership provides a formal framework for protection of bank deposits. Savers therefore hold deposits within a recognised national protection structure.
Does ECBank support digital identification?+
Customers can identify themselves directly from a telephone using digital identity documents in a wallet application. This approach supports access without presenting physical papers in person. It helps customers manage identification conveniently through a phone.
Does ECBank support transfers beyond domestic payments?+
ECBank participates in a recognised cross border transfer scheme for credit transfers. Participation supports payments beyond domestic transactions. Customers can therefore use the bank for wider transfer needs alongside savings.
Which company operates ECBank?+
ECBank is operated by BC EuroCreditBank S.A.. (Source, checked September 26, 2026)
Where is ECBank based?+
ECBank is based in Moldova. (Source, checked September 26, 2026)
When was ECBank founded?+
ECBank was founded in 1992. (Source, checked September 26, 2026)
Sources
- ecb.md checked September 26, 2026
Backs: Legal entity
“BC EUROCREDITBANK S.A.”
- ecb.md/en checked September 26, 2026
Backs: Headquarters
“BC "Eurocreditbank" S.A. is a member of the Deposit Guarantee Scheme of the Republic of Moldova.”
- ecb.md/en/payment-cards-individuals checked September 26, 2026
Backs: Rewards type
“Payment cards for individuals”
- ecb.md/ipotechnyj-kredit-casa-mea checked September 26, 2026
Backs: APRC, Fixed period, Initial rate
“"Casa mea"/ "Reparație": Rata efectiva a dobanzii (DAE): 9.37 %”
- ecb.md/retail-simplu/new checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Lender type, Arrangement fee, Origination fee (%), Representative example
“Suma disponibila - intre 3 000 MDL si 400 000 MDL per debitor (Creditul "Retail Simplu")”
- ecb.md/ro/carduri-bancare-persoane-fizice checked September 26, 2026
Backs: Card type, Currencies, Features, Card network, Support channels
“Carduri de debit - Visa Classic debit card for daily payments”
- ecb.md/ro/credite-persoane-fizice checked September 26, 2026
Backs: Loan types, Purpose, Use cases
- ecb.md/en/deposits-personal checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“Standard_ECB ... Withdrawal of money from a deposit - no; Deposit replenishment - yes; Capitalization - yes; Interest rate: floating. Periodicity of payment-monthly (on savings account, card), with...”
- ecb.md/en/short-story checked September 26, 2026
Backs: Founded
“BC "EuroCreditBank" S. A. was founded on September 1992.”
- ecb.md/en/standard_ecb checked September 26, 2026
Backs: Headline rate, Minimum deposit, Term
“Standard_ECB ... Minimum term: 3 luni Maximum interest: 4,25 %”
Compiled from 10 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
ECBank
Savers seeking flexible deposits with branch access