Paynet review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Paynet is a Moldovan debit card for people who want everyday spending with nothing to pay each month, at a monthly fee of MDL 0. It suits residents who keep spending local, and it adds a virtual card for trips plus support by email, phone and a help centre.
Key facts
- Best for
- A fee free debit card for Moldova, with a virtual card for trips.
- Monthly fee
- MDL 0↗
- Card type
- Debit↗
- Top-up fee
- free top-up↗
- Legal entity
- Paynet Services S.R.L.↗
- Headquarters
- Moldova↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Virtual card, Travel
- Official website
- paynet.md
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInfacebook.com
Pros and cons
Pros
- Nothing to pay each month, at MDL 0.
- Top-ups are free top-up, so refilling the balance costs nothing.
- A virtual card and a travel option sit in the set, as virtual card and travel shows.
Cons
- Money sits with a provider based in Moldova and licensed in that market alone, far from UK and EU complaint routes.
- Support runs on email, phone and help centre only, with no live chat in the mix.
- It is a debit card, so spending stops when the balance does and there is no credit to lean on.
Who it suits
- People paying bills and shopping locally in Moldova who do not want a monthly charge.
- Travellers who prefer adding a virtual card for a trip to using their everyday card.
- Users who would rather load money in stages, since topping up is free top-up.
Who should look elsewhere
- Anyone holding money in euro, pounds or dollars, since bunq, Wise and Varo Believe Secured Credit Card price their accounts in those currencies while Paynet's MDL 0 is in Moldovan lei.
- People chasing rewards or credit building, since the Paynet card is debit and Varo Believe Secured Credit Card is a credit card.
Fees and FX
The card carries a monthly fee of MDL 0, so holding it open costs the account holder nothing each month. Adding money to the balance is free top-up, which means a top-up before a trip adds no charge either. Between them the two costs keep the account easy to hold, and both sit at the low end for a debit card in Moldova.
The company behind it
Paynet Services S.R.L. runs the service, with its base in Moldova. The provider sits on the register of Banca Nationala a Moldovei under licence 000586, making it a regulated issuer of electronic money in that market. Customers reach the team through email, phone and help centre, so email, a phone line and a help centre cover the main routes.
How Paynet compares
Where Paynet is available
- Available
- Moldova
- Licence in Moldova
- Banca Nationala a Moldovei (000586), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Paynet card cost to hold each month?+
Paynet sets the monthly fee at MDL 0, so the card costs nothing to hold month to month. Adding money to the balance is free top-up, so a top-up before a trip adds no charge either.
Is Paynet a regulated provider?+
The service runs through Paynet Services S.R.L. and sits on the register of Banca Nationala a Moldovei under licence 000586. That makes it a regulated issuer of electronic money in its home market, based in Moldova.
How do I get help if a payment goes wrong?+
Help runs on email, phone and help centre, so you can write, call or use the help centre, all through the same provider. Those channels sit with the MD base, so support is handled locally rather than sent to a call centre elsewhere.
Can I use the card while travelling?+
The card comes with a virtual card and a travel option, as virtual card and travel shows, so a trip does not need the everyday card in your wallet. Loading money before you fly is free top-up, so the balance can be filled without a charge.
Is this a credit card or a debit card?+
It is a debit card, so payments come straight out of the balance you hold rather than from a credit line, and nothing is borrowed through the card. Paying this way suits people who want spending to stop when the money stops.
How does the monthly fee compare with bunq and Wise?+
bunq shows a monthly fee of €0 and Wise shows £0, so all three charge nothing to hold. The choice comes down to where each is based and what the account covers, with Paynet set at MDL 0 in a single market.
Sources
- bnm.md/ro/content/registrul-societatilor-emitente-de-mone... checked September 26, 2026
Backs: Licences
- paynet.md/ro/cards checked September 26, 2026
Backs: Card type, Features, Top-up fee, Monthly fee
“Alege cardul potrivit: Card fizic - Card virtual”
- paynet.md/ro/home/contacts checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Bd. Decebal 6 or. Chisinau Republica Moldova”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.