maib review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
maib is a Moldovan bank with a broad everyday range, so you manage cards alongside borrowing, savings and insurance rather than cards alone. It suits people who want salary payments, fast transfers and mobile management in one local banking relationship.
Key facts
Loans
- APR
- 9.7% to 33.18%↗
- Loan amount
- MDL 5,000 to MDL 400,000↗
- Term
- 12 to 60 months↗
- Credit check
- Hard↗
- Funding time
- Approval from 30 minutes; money on card within 3 minutes after signing the contract↗
- Representative example
- Espresso consumer loan loyalty rate fixed at 9.30% p.a.; for 50,000 lei over 60 months the effective annual interest (DAE) is 9.7%↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Eligibility
- Age 20 to 70; official monthly salary or confirmed income, or international money transfers, or positive credit history; owned real estate required above 200,000 lei↗
- Loan types
- Personal, Debt-consolidation, Secured, Credit-line, BNPL, Business↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
Pros and cons
Pros
- Covers cards, online borrowing, deposits and insurance for households and businesses
- Supports salary and pension payments directly to cards it issues
- Offers fast transfers and mobile management through its banking application
- Provides property finance including home upgrades and purchases abroad
Cons
- Focuses on Moldova, which limits use for people banking elsewhere
- Card use links closely to its accounts and application for full service
Who it suits
- People paid by salary or pension seeking a day to day card
- Households wanting borrowing, savings and insurance together
- Business owners seeking everyday banking in one place
Who should look elsewhere
- People banking mainly outside Moldova
How maib compares
Frequently asked questions
What does maib offer around debit cards?+
maib provides cards for everyday payments, salary and pension receipts and fast transfers. You manage the card relationship alongside borrowing and savings, with mobile access through its banking application.
Who can apply for maib products linked to a card?+
maib serves people receiving salary or pension payments and people with official income or incoming transfers. It also considers positive credit history shown by regular repayment of earlier borrowing without prolonged arrears.
Where does maib operate and whom does it serve?+
maib is a bank in Moldova serving individuals and businesses. Its offer centres on the national market, with everyday accounts, cards and wider financial solutions for personal and business needs.
How does mobile and branch access work at maib?+
Access centres on a smartphone application that supports online borrowing choices and everyday transfers. Branches remain part of the network for opening relationships and arranging longer term financial products.
Which other products does maib cover besides cards?+
Beyond cards, maib covers online borrowing, deposits, insurance and property finance. Examples include funding for home improvement and purchasing residential property abroad through its mortgage range.
Sources
- en.wikipedia.org/wiki/Maib checked September 26, 2026
Backs: Founded, Headquarters
“Founded in 1991 as a joint-stock company”
- maib.md checked September 26, 2026
Backs: Headline rate
- maib.md checked September 26, 2026
Backs: Use cases
- maib.md/ro/persoane-fizice/carduri-de-debit checked September 26, 2026
Backs: Card type, Legal entity
- maib.md/ro/persoane-fizice/credite-online checked September 26, 2026
Backs: Loan types
- maib.md/ro/persoane-fizice/credite/Credit-Espresso checked September 26, 2026
Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Lender type, Pricing model, Rate type, Representative example, Support channels, Term
“Contact Center 1313, consultanță telefonică 022 023 083, info@maib.md, chat; întrebări frecvente”
- maib.md/ro/persoane-fizice/depozite checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit
“Termen de constituire 90 / 180 / 365 / 540; Plata dobanzii: Lunar; Deschiderea depozitului: In sucursala / prin maibank”
- maib.md/ro/persoane-fizice/ipoteca checked September 26, 2026
Backs: Purpose
- maib.md/ro/persoane-fizice/ipoteca/Ipoteca checked September 26, 2026
Backs: APRC, Initial rate, Maximum loan to value, Product fee
Compiled from 9 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.