Eximbank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Eximbank pays a headline rate of MDL 5.50 to MDL 7.50 with a monthly fee of MDL 0, a strong deal for Moldovan savers who can leave the money untouched for 12 to 36. Interest arrives each month rather than being added to the balance, and the bank lends too.
Key facts
- Best for
- Moldovan savers who can leave the money alone for the full term.
- Headline rate
- MDL 5.50 to MDL 7.50↗
- Rate type
- Variable↗
- Term
- 12 to 36 months↗
- Minimum deposit
- MDL 1,000↗
- Access terms
- 12, 32 or 36 months, no additions or withdrawals, interest paid monthly without capitalisation↗
- Monthly fee
- MDL 0↗
- Account kind
- Fixed↗
- Legal entity
- BC "EXIMBANK" SA↗
- Headquarters
- Moldova↗
- Founded
- 1994↗
- Support channels
- Email, Phone, Chat↗
- Pricing model
- No monthly fee
- Official website
- eximbank.md
Loans
- APR
- 9.9%↗
- Loan amount
- MDL 30,000 to MDL 200,000↗
- Arrangement fee
- 0%↗
- Funding time
- Quick loan approval↗
- Representative example
- 9.90% EAR on a 100,000 MDL loan over 36 months, monthly payment 3,202.46 MDL, total cost 115,303 MDL↗
- Lender type
- Direct lender↗
- Eligibility
- Age 21-68 at final repayment date, minimum salary 7,000 MDL, at least 4 months in current job and 6 months work experience↗
- Origination fee (%)
- 0%↗
- Loan types
- Personal, Debt-consolidation↗
- Use cases
- Home-improvement↗
Mortgages
- Initial rate
- 8.66%↗
- APRC
- 9.48%↗
- Maximum loan to value
- 95%↗
- Product fee
- MDL 0↗
- Purpose
- Purchase, First-time-buyer↗
Facts checked September 26, 2026, 8 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- youtube.com
Pros and cons
Pros
- The headline rate of MDL 5.50 to MDL 7.50 sits well above the savings median of 3% on this site.
- The deposit runs on a no monthly fee model, with a monthly fee of MDL 0.
- Interest is paid out every month rather than added to the balance at the end of the term.
- The National Bank of Moldova supervises the bank, which is a direct lender rather than a broker.
Cons
- Terms run 12 to 36 on a fixed deposit, and access covers the monthly interest credit only, so the balance stays as placed until the term ends.
- A minimum deposit of MDL 1,000 puts the account out of reach for people saving small amounts.
- The rate type is variable, so the headline figure of MDL 5.50 to MDL 7.50 can move during the term.
Who it suits
- Moldovan savers with a sum they can leave alone for 12 to 36.
- Savers chasing a high rate of MDL 5.50 to MDL 7.50 with nothing to pay each month.
- Borrowers too, since personal loans at 9.9% and first home mortgages at 9.48% come from the same bank.
Who should look elsewhere
- bunq, if the headline rate matters most: it pays 3.01% against MDL 5.50 to MDL 7.50.
- Wise, if a similar rate from a different kind of provider suits you better: it pays 3.29%.
- Finteres, if Eximbank's term is awkward for you: it lists 0% to 36% where Eximbank runs 12 to 36.
Fees and currency costs
The deposit carries a monthly fee of MDL 0 and runs on a no monthly fee model, so the cost side is easy to budget. The only floor is the minimum deposit of MDL 1,000, which decides how small a balance can still open the account. Together these two figures decide what a fixed deposit with Eximbank costs to hold.
How Eximbank compares
9.3 vs 8.0
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0- 9.3 vs 8.0
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
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9.3 vs 9.3
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9.3 vs 9.3
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9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.9
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9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4- 9.3 vs 8.0
9.3 vs 9.0
Where Eximbank is available
- Available
- Moldova
- Licence in Moldova
- National Bank of Moldova, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate will I earn on the deposit?+
The fixed deposit pays a headline rate of MDL 5.50 to MDL 7.50, well above the savings median of 3% on this site. The account kind is fixed, so this is a tied deposit rather than instant access, and the rate type is variable, which means the figure can move.
How long must I leave the money in?+
Terms run 12 to 36, so you pick a window rather than an open account. The access terms list shorter, medium and longer maturities, and the money stays put for the whole period. Interest is credited every month rather than being rolled into the balance at the end.
Can I add money or take it out early?+
The access terms cover a fixed sum for 12 to 36, with the monthly interest credit as the only movement. That credit is paid out to you rather than added to the balance, so the amount you place stays in place until the deposit matures.
What does it cost to hold the account?+
There is a monthly fee of MDL 0 and the deposit runs on a no monthly fee model, so holding it open costs nothing. The only floor is the minimum deposit of MDL 1,000, and both amounts are quoted in MDL, so no exchange rate comes into it.
Who regulates the bank and what happens to the balance?+
Eximbank, legally BC "EXIMBANK" SA, is a Moldovan bank supervised by the National Bank of Moldova and in business since 1994. Your deposit sits with the bank rather than a separate investment platform, and the same bank also lends, with personal loans at 9.9% and quick loan approval.
Does the bank lend as well as hold savings?+
Personal loans run at 9.9% on amounts of MDL 30,000 to MDL 200,000, with an arrangement fee of 0% and approval described as Quick loan approval. Loan types cover personal borrowing and debt consolidation, and the bank lends directly rather than through a broker.
How do I get help from the bank?+
Support runs on email, phone and chat, so you can reach the bank by phone, by email or in a live chat. Those channels sit alongside the mobile banking service, which keeps everyday payments and help in the same place rather than with a third party.
Sources
- eximbank.md/about checked September 26, 2026
Backs: Lender type
- eximbank.md/en checked September 26, 2026
Backs: Legal entity
“BC "EXIMBANK" SA is a member of the Deposit Guarantee Scheme of the Republic of Moldova”
- eximbank.md/en/about checked September 26, 2026
Backs: Founded, Headquarters, Licences
“The bank was founded in 1994, the official date is April 29, 1994”
- eximbank.md/en/credit/credit-personal checked September 26, 2026
Backs: Loan amount, APR, Eligibility, Funding time, Loan types, Arrangement fee, Origination fee (%), Representative example, Use cases
“The amount From 30 000 MDL to 200 000 MDL/ per customer or 500 000 MDL/ per family”
- eximbank.md/en/credit/credit-prima-casa checked September 26, 2026
Backs: APRC, Initial rate, Maximum loan to value, Product fee, Purpose
“EAR (Effective Annual Rate) 9.48% for a loan of 1,000,000 MDL over 120 months, monthly payment - 12 484,65 MDL”
- eximbank.md/en/deposit-types checked September 26, 2026
Backs: Account kind
“Fixed-term deposits for individuals - Deposit DINAMICO: without additions and withdrawals”
- eximbank.md/en/mobile-banking checked September 26, 2026
Backs: Support channels
“contact@eximbank.com, +373 2260 0000; Assistance from the bank through secure messaging; ask for the advice of an ONLINE consultant directly on the bank's website”
- eximbank.md/ro/deposit/depozitul-dinamico checked September 26, 2026
Backs: Access terms, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type, Term
“Depozitul DINAMICO: termen 12, 32, 36 luni; fara depuneri si retrageri; achitarea dobanzii: lunar, fara capitalizare”
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.