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Moldindconbank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Moldindconbank suits Moldova residents who want easy access to leu savings alongside fast, direct online credit from the same bank. Its easy-access deposit pays a headline rate of 0.1% with a monthly fee of MDL 0, and a direct loan of MDL 30,000 to MDL 200,000 is priced at 10.5% over 60.

Key facts

Best for
Easy-access leu savings plus same-bank borrowing that lands in your card account within minutes.
Monthly fee
MDL 0↗
Card type
Debit↗
Cashback rate
0% to 6%↗
Card network
Visa↗
Legal entity
BC Moldindconbank S.A.↗
Headquarters
Moldova↗
Founded
1959↗
Support channels
Phone, Email↗
Features
Multi-currency, Travel
Official website
micb.md

Loans

APR
10.5%↗
Loan amount
MDL 30,000 to MDL 200,000↗
Term
60 months↗
Credit check
Hard↗
Funding time
Within minutes; money is transferred directly to the chosen card account↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Citizen of the Republic of Moldova holding an IDNP; age 20-60 for salary earners, 26-60 for declared-income applicants; holder of a Moldindconbank-issued MDL debit card↗
Loan types
Personal, Car, Credit-line↗
Use cases
Home-improvement↗
Pricing model
No monthly fee

Credit cards

Rewards type
Cashback↗
Rewards rate
10% cashback on eligible purchases↗
Perks
Grace period, Online credit↗
Cashback rate
10%↗
Card kind
Credit↗

Savings

Headline rate
0.1%↗
Minimum deposit
MDL 100↗
Access terms
120-month term, floating rate, unlimited top-ups, partial withdrawal down to the minimum sum, early closure on request without the 10-day notice↗
Account kind
Easy access↗

Facts checked September 26, 2026, 13 sources

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediafacebook.com

Pros and cons

Pros

  • Easy-access deposit with a monthly fee of MDL 0, a minimum deposit of MDL 100 and a variable rate
  • Unlimited top-ups, partial withdrawal down to the minimum sum, and early closure on request
  • direct lender lending of MDL 30,000 to MDL 200,000 at 10.5% over 60, funded within minutes to your chosen card account
  • A debit card on the visa network paying cashback worth 10% cashback on eligible purchases

Cons

  • Free early repayment is no, so settling a loan before the end of the term carries a charge
  • Applications run a hard credit check, so a thin credit file can stop an application
  • Support runs on phone and email only, with no branch or chat route set out
Moldindconbank

Ready to try Moldindconbank?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Salary earners and declared-income applicants in Moldova who already hold the bank's MDL debit card
  • Anyone wanting easy-access leu savings with no monthly charge and a variable rate
  • Borrowers planning home improvement who want money sent to their card account within minutes

Who should look elsewhere

  • Borrowers who want to repay early without a charge, since free early repayment is no
  • Applicants with a weak credit file, because the check is a hard one
  • People who want in-person branch support, as phone and email is the only listed route

Rates and terms

The easy-access deposit pays a headline rate of 0.1% on a variable basis, so the rate can move over time. Fees come to a monthly fee of MDL 0 with a minimum deposit of MDL 100. Access is straightforward: unlimited top-ups, partial withdrawal down to the minimum sum, and early closure on request without a notice period. Borrowing runs as a direct lender, offering personal, car and credit line loans of MDL 30,000 to MDL 200,000 over 60 at 10.5%.

Who runs it

The bank trades as BC Moldindconbank S.A., is headquartered in Moldova and was founded in 1959. It is supervised by the National Bank of Moldova under licence 1002600028096. Customer contact runs through phone and email, so day-to-day help is by phone or email rather than in person. Lending covers personal, car and credit line needs, with home improvement named as the use case.

How Moldindconbank compares

Where Moldindconbank is available

Available
Moldova
Licence in Moldova
National Bank of Moldova (1002600028096), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the easy-access deposit cost to run?+

The monthly fee is MDL 0 and the minimum deposit is MDL 100 in leu. The rate is variable with a headline rate of 0.1%, so it can change over time. Top-ups are unlimited, and part of the balance can be withdrawn as long as the minimum sum stays in place.

Can I reach my money early?+

The account is easy access in nature, so the money stays reachable rather than locked away. Partial withdrawal is allowed down to the minimum sum, and early closure happens on request with no notice period to serve. A fixed-rate product would hold the money for longer, but this one does not.

How much can I borrow and what does it cost?+

As a direct lender the bank offers personal, car and credit line loans of MDL 30,000 to MDL 200,000 at 10.5% over 60. The money is sent within minutes, straight to the card account you nominate, rather than waiting on a branch. Home improvement is the stated use case for these loans.

Can I repay a loan early without paying extra?+

Free early repayment is no on this lending, so clearing the balance before the end of the term carries a charge. That is the trade-off against the low 10.5% and funding within minutes. Anyone who expects to overpay early should weigh the charge against a lender offering free early settlement.

What card comes with the account and what does it pay?+

The card is a debit card on the visa network, with multi currency and travel features. Rewards are cashback: 10% cashback on eligible purchases on eligible purchases, and a cashback rate of 0% to 6% across the offers. The credit card is a separate product carrying grace period and online credit instead.

Who regulates the bank?+

The bank is supervised by the National Bank of Moldova, which lists it under licence 1002600028096. It trades as BC Moldindconbank S.A., is based in Moldova and was founded in 1959. Deposits and lending therefore sit inside a supervised Moldovan banking structure.

How do I contact the bank for help?+

Support runs on phone and email, which covers phone and email. Questions on a loan, a deposit or a card can be raised either way, and those are the channels the bank lists. No chat or help centre route is set out, so live questions go to the bank by phone or email.

Sources

Compiled from 13 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.

Moldindconbank

Moldindconbank

Easy-access leu savings plus same-bank borrowing that lands in your card account within minutes.

9.2/10See alternatives