{"id":138,"date":"2013-11-28T15:32:16","date_gmt":"2013-11-28T13:32:16","guid":{"rendered":"https:\/\/bizmoldova.com\/cs\/banky-v-moldavsku-pro-podnikani\/"},"modified":"2026-09-03T16:15:59","modified_gmt":"2026-09-03T13:15:59","slug":"banky-v-moldavsku-pro-podnikani","status":"publish","type":"page","link":"https:\/\/bizmoldova.com\/cs\/banky-v-moldavsku-pro-podnikani\/","title":{"rendered":"Banky v Moldavsku pro podnik\u00e1n\u00ed: kompletn\u00ed seznam 2026 \u2014 SWIFT, IBAN k\u00f3dy, pobo\u010dky"},"content":{"rendered":"\n

Banky v Moldavsku pro podnik\u00e1n\u00ed: kompletn\u00ed seznam 2026 \u2014 SWIFT, k\u00f3dy IBAN, pobo\u010dky<\/h2>\n\n\n\n

V Moldavsk\u00e9 republice p\u016fsob\u00ed 10 bank s licenc\u00ed.<\/strong> N\u00ed\u017ee je kompletn\u00ed seznam s ofici\u00e1ln\u00edmi \u00fadaji ka\u017ed\u00e9 z nich: pr\u00e1vn\u00ed n\u00e1zev, centr\u00e1la, telefon, e-mail, web, SWIFT\/BIC<\/strong>, identifik\u00e1tor banky v k\u00f3du IBAN<\/strong>, vlastn\u00edci a odkaz na ofici\u00e1ln\u00ed mapu pobo\u010dek. Plus to, co podnik\u00e1n\u00ed pot\u0159ebuje v\u011bd\u011bt: jak otev\u0159\u00edt firemn\u00ed \u00fa\u010det, co je SEPA pro moldavsk\u00fd \u00fa\u010det a jak jsou zaru\u010deny pen\u00edze pr\u00e1vnick\u00fdch osob.<\/p>\n\n\n

Aktu\u00e1ln\u00ed k z\u00e1\u0159\u00ed 2026. Zdroj bankovn\u00edch \u00fadaj\u016f \u2014 registr licencovan\u00fdch bank N\u00e1rodn\u00ed banky Moldavska<\/a>; pod\u00edly na trhu a vlastn\u00edci \u2014 podle \u00fadaj\u016f BNM a otev\u0159en\u00fdch zdroj\u016f.<\/em><\/p>\n\n\n\n

V\u0161echny banky Moldavska: SWIFT a k\u00f3dy IBAN v jedn\u00e9 tabulce<\/h3>\n\n\n\n
Banka<\/th>SWIFT \/ BIC<\/th>K\u00f3d v IBAN<\/th>Centr\u00e1la<\/th>Telefon<\/th><\/tr><\/thead>
maib<\/strong> (Moldova-Agroindbank)<\/td>AGRNMD2X<\/code><\/td>AG<\/code><\/td>Ki\u0161in\u011bv, ul. 31 August 1989, 127<\/td>1313, +373 22 22 27 70<\/td><\/tr>
Moldindconbank<\/strong> (MICB)<\/td>MOLDMD2X<\/code><\/td>ML<\/code><\/td>Ki\u0161in\u011bv, ul. Arm\u00e9nsk\u00e1 38<\/td>+373 22 57 67 82<\/td><\/tr>
Victoriabank<\/strong><\/td>VICBMD2X<\/code><\/td>VI<\/code><\/td>Ki\u0161in\u011bv, ul. 31 August 1989, 141<\/td>+373 30 30 31 86<\/td><\/tr>
OTP Bank<\/strong> (ex-Mobiasbanca)<\/td>MOBBMD22<\/code><\/td>MO<\/code><\/td>Ki\u0161in\u011bv, bul. \u0160tefan cel Mare, 81a<\/td>+373 22 25 64 56<\/td><\/tr>
ProCredit Bank<\/strong><\/td>PRCBMD22<\/code><\/td>PR<\/code><\/td>Ki\u0161in\u011bv, bul. \u0160tefan cel Mare, 65, kanc. 901<\/td>+373 22 27 07 07<\/td><\/tr>
FinComBank<\/strong> (Banca de Finan\u0163e \u015fi Comer\u0163)<\/td>FTMDMD2X<\/code><\/td>FT<\/code><\/td>Ki\u0161in\u011bv, ul. Pu\u0161kina, 26<\/td>+373 22 26 99 00<\/td><\/tr>
EXIMBANK<\/strong><\/td>EXMMMD22<\/code><\/td>EX<\/code><\/td>Ki\u0161in\u011bv, bul. \u0160tefan cel Mare, 171\/1<\/td>+373 22 60 00 00<\/td><\/tr>
ENERGBANK<\/strong><\/td>ENEGMD22<\/code><\/td>EN<\/code><\/td>Ki\u0161in\u011bv, ul. Tighina, 23\/3<\/td>+373 22 85 80 00<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>CMTBMD2X<\/code><\/td>CM<\/code><\/td>Ki\u0161in\u011bv, ul. Nez\u00e1vislosti, 1\/1<\/td>+373 22 83 98 39<\/td><\/tr>
EuroCreditBank<\/strong><\/td>ECBMMD2X<\/code><\/td>EC<\/code><\/td>Ki\u0161in\u011bv, ul. Ismail, 33<\/td>+373 22 50 01 01<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

K\u00f3d v IBAN jsou ty dva znaky, kter\u00e9 jsou ve va\u0161em \u00fa\u010dtu hned po MD<\/code> a dvou kontroln\u00edch \u010d\u00edslic\u00edch. Podle nich pozn\u00e1te banku, i kdy\u017e \u00fadaje dorazily bez n\u00e1zvu.<\/p>\n\n\n\n

\u017deb\u0159\u00ed\u010dek bank: \u010d\u00edsla z \u00fa\u010detn\u00edch z\u00e1v\u011brek a klasifikace podle krit\u00e9ri\u00ed<\/h3>\n\n\n

Mezin\u00e1rodn\u00ed \u00fav\u011brov\u00e9 ratingy (Fitch, Moody’s, S&P) moldavsk\u00e9 banky, a\u017e na vz\u00e1cn\u00e9 v\u00fdjimky, nemaj\u00ed \u2014 je t\u0159eba je porovn\u00e1vat podle v\u00fdkaznictv\u00ed p\u0159edkl\u00e1dan\u00e9ho N\u00e1rodn\u00ed bance a podle toho, jak se chovaj\u00ed ke klientovi. N\u00ed\u017ee uv\u00e1d\u00edme oboj\u00ed: nejprve ov\u011b\u0159iteln\u00e1 \u010d\u00edsla, pot\u00e9 na\u0161i klasifikaci podle praktick\u00fdch krit\u00e9ri\u00ed. Druh\u00e1 \u010d\u00e1st je odborn\u00e9 hodnocen\u00ed na z\u00e1klad\u011b zku\u0161enost\u00ed s doprov\u00e1zen\u00edm klient\u016f, nikoli rating agentury, a to v\u00fdslovn\u011b odd\u011blujeme.<\/p>\n\n\n\n

\u010c\u00edsla: pod\u00edl na trhu a zisk za prvn\u00ed pololet\u00ed 2026<\/h4>\n\n\n\n
Banka<\/th>Pod\u00edl na trhu podle aktiv<\/th>Zisk za I. pololet\u00ed 2026, mil. lei<\/th>Proti lo\u0148sku<\/th>Kdo vlastn\u00ed<\/th><\/tr><\/thead><\/thead>
maib<\/strong><\/td>\u2248 36 % \u2014 prvn\u00ed m\u00edsto<\/td>v\u00edce ne\u017e 1 000<\/strong><\/td>+26 %<\/td>konsorcium EBRD, Invalda INVL, Horizon Capital<\/td><\/tr>
Moldindconbank<\/strong><\/td>\u2248 21 %<\/td>v\u00edce ne\u017e 720<\/strong><\/td>+6 %<\/td>Doverie-Invest, Bulharsko<\/td><\/tr>
Victoriabank<\/strong><\/td>16,7 % (aktiva 33,8 mld. lei)<\/td>v\u00edce ne\u017e 256<\/strong><\/td>+40 %<\/td>Banca Transilvania, Rumunsko + EBRD<\/td><\/tr>
OTP Bank<\/strong><\/td>\u2248 12 %<\/td>221<\/td>\u22124 %<\/td>OTP Group, Ma\u010farsko<\/td><\/tr>
FinComBank<\/strong><\/td>\u2248 3,6 %<\/td>56<\/td>beze zm\u011bn<\/td>moldav\u0161t\u00ed akcion\u00e1\u0159i<\/td><\/tr>
ProCredit Bank<\/strong><\/td>\u2248 4 %<\/td>46,7<\/td>+60 %<\/td>ProCredit Holding, N\u011bmecko<\/td><\/tr>
ENERGBANK<\/strong><\/td>\u2248 2 %<\/td>25,7<\/td>+86 %<\/td>Iute Group, Estonsko<\/td><\/tr>
EXIMBANK<\/strong><\/td>\u2248 3,4%<\/td>16,3<\/td>\u221272%<\/td>Intesa Sanpaolo, It\u00e1lie<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>\u2248 1,3%<\/td>1,5<\/td>\u2014<\/td>ACF Corporate Finance, Rakousko<\/td><\/tr>
EuroCreditBank<\/strong><\/td>\u2248 1%<\/td>0,1<\/td>\u221296%<\/td>soukrom\u00ed akcion\u00e1\u0159i<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

Cel\u00fd sektor za pololet\u00ed vyd\u011blal p\u0159ibli\u017en\u011b 2,36 miliardy lei<\/strong> (+15 % oproti roku 2025) p\u0159i objemu aktiv kolem 175\u2013180 miliard lei, p\u0159i\u010dem\u017e maib a Moldindconbank vytv\u00e1\u0159ej\u00ed p\u0159ibli\u017en\u011b 73 % ve\u0161ker\u00e9ho zisku syst\u00e9mu<\/strong>. To je hlavn\u00ed z\u00e1v\u011br z \u010d\u00edsel: trh je siln\u011b koncentrovan\u00fd, rozd\u00edl mezi prvn\u00ed trojkou a ostatn\u00edmi je des\u00edtkykr\u00e1t vy\u0161\u0161\u00ed. Samostatn\u011b stoj\u00ed za to sledovat dynamiku: r\u016fst ProCredit (+60 %) a ENERGBANK (+86 %) hovo\u0159\u00ed o nab\u00edr\u00e1n\u00ed obratu, zat\u00edmco pokles EXIMBANK (\u221272 %) a EuroCreditBank (\u221296 %) o \u00fatlumu podnik\u00e1n\u00ed, i kdy\u017e samotn\u00e9 banky z\u016fst\u00e1vaj\u00ed stabiln\u00ed.<\/p>\n\n\n\n

Kategorizace: jak hodnot\u00edme banky pro firemn\u00edho klienta<\/h4>\n\n\n

Hodnot\u00edme podle p\u011bti krit\u00e9ri\u00ed, ka\u017ed\u00e9 na t\u0159\u00edbodov\u00e9 \u0161k\u00e1le (A<\/strong> \u2014 siln\u00e1 str\u00e1nka, B<\/strong> \u2014 p\u0159ijateln\u00e9, C<\/strong> \u2014 slab\u00e9 m\u00edsto):<\/p>\n\n\n\n

    \n
  1. Rozsah a stabilita<\/strong> \u2014 tr\u017en\u00ed pod\u00edl, zisk a jeho dynamika podle v\u00fdkaz\u016f jsou vy\u0161\u0161\u00ed.<\/li>\n\n\n\n
  2. S\u00ed\u0165<\/strong> \u2014 pokryt\u00ed po cel\u00e9 zemi, dostupnost pobo\u010dky mimo Ki\u0161in\u011bv.<\/li>\n\n\n\n
  3. Distan\u010dn\u00ed obsluha<\/strong> \u2014 kvalita internetov\u00e9ho bankovnictv\u00ed pro pr\u00e1vnick\u00e9 osoby, vy\u0159izov\u00e1n\u00ed na z\u00e1klad\u011b pln\u00e9 moci, mo\u017enost \u0159e\u0161it z\u00e1le\u017eitosti bez osobn\u00edch n\u00e1v\u0161t\u011bv.<\/li>\n\n\n
  4. Vztah k nerezident\u016fm<\/strong> \u2014 jak p\u0159edv\u00eddateln\u011b banka otev\u00edr\u00e1 \u00fa\u010det spole\u010dnosti se zahrani\u010dn\u00edmi zakladateli a jak rychle prob\u00edh\u00e1 compliance.<\/li>\n\n\n\n
  5. Zahrani\u010dn\u011b-obchodn\u00ed operace<\/strong> \u2014 devizov\u00e9 platby, SEPA, podpora exportn\u011b-importn\u00edch transakc\u00ed a obchodn\u00edho financov\u00e1n\u00ed.<\/li>\n<\/ol>\n\n\n\n
    Banka<\/th>Rozsah<\/th>S\u00ed\u0165<\/th>Na d\u00e1lku<\/th>Nerezidenti<\/th>Zahrani\u010dn\u00ed obchod<\/th>V\u00fdsledek<\/th><\/tr><\/thead>
    maib<\/strong><\/td>A<\/td>A<\/td>A<\/td>B<\/td>A<\/td>A<\/strong><\/td><\/tr>
    Moldindconbank<\/strong><\/td>A<\/td>A<\/td>B<\/td>B<\/td>B<\/td>A\u2212<\/strong><\/td><\/tr>
    Victoriabank<\/strong><\/td>A<\/td>A<\/td>A<\/td>B<\/td>A<\/td>A<\/strong><\/td><\/tr>
    OTP Bank<\/strong><\/td>B<\/td>B<\/td>A<\/td>A<\/td>A<\/td>A<\/strong><\/td><\/tr>
    ProCredit Bank<\/strong><\/td>B<\/td>C<\/td>A<\/td>A<\/td>A<\/td>A\u2212<\/strong><\/td><\/tr>
    EXIMBANK<\/strong><\/td>C<\/td>C<\/td>B<\/td>B<\/td>A<\/td>B<\/strong><\/td><\/tr>
    FinComBank<\/strong><\/td>C<\/td>B<\/td>B<\/td>B<\/td>B<\/td>B<\/strong><\/td><\/tr>
    ENERGBANK<\/strong><\/td>C<\/td>C<\/td>B<\/td>B<\/td>C<\/td>B\u2212<\/strong><\/td><\/tr>
    COMER\u0162BANK<\/strong><\/td>C<\/td>C<\/td>C<\/td>B<\/td>B<\/td>C+<\/strong><\/td><\/tr>
    EuroCreditBank<\/strong><\/td>C<\/td>C<\/td>C<\/td>B<\/td>C<\/td>C<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

    Jak s t\u00edm pracovat.<\/strong> Hodnocen\u00ed \u201eA\u201c neznamen\u00e1 \u201enejlep\u0161\u00ed pro v\u0161echny\u201c \u2014 znamen\u00e1, \u017ee banka s jistotou pokr\u00fdv\u00e1 v\u011bt\u0161inu b\u011b\u017en\u00fdch \u00fakol\u016f spole\u010dnosti. Pokud pot\u0159ebujete s\u00ed\u0165 po cel\u00e9 zemi a kompletn\u00ed sadu slu\u017eeb, volba je mezi maib<\/strong>, Moldindconbank<\/strong> a Victoriabank<\/strong>. Pokud je podnik \u0159\u00edzen ze zahrani\u010d\u00ed a je d\u016fle\u017eit\u00e1 p\u0159edv\u00eddatelnost compliance \u2014 OTP Bank<\/strong> a ProCredit Bank<\/strong>. Pokud jsou kl\u00ed\u010dov\u00e9 platby s evropsk\u00fdmi protistranami, p\u0159idejte na seznam EXIMBANK<\/strong> (skupina Intesa Sanpaolo). Banky s v\u00fdsledkem \u201eC\u201c nejsou \u201e\u0161patn\u00e9\u201c: jsou mal\u00e9 a m\u00e1 smysl s nimi pracovat na konkr\u00e9tn\u00ed \u00fakol, pokud si p\u0159edem vyjasn\u00edte limity a tarify.<\/p>\n\n\n

    Z extern\u00edch uzn\u00e1n\u00ed: maib<\/strong> byl \u010dasopisem Euromoney vyhl\u00e1\u0161en nejlep\u0161\u00ed bankou Moldavska a nejlep\u0161\u00ed retailovou bankou podle v\u00fdsledk\u016f za rok 2026; maib, Moldindconbank a Victoriabank pat\u0159\u00ed mezi 200 nejv\u011bt\u0161\u00edch bank SNS. \u00dadaje o zisku a aktivech poch\u00e1zej\u00ed z v\u00fdkaz\u016f bank p\u0159edkl\u00e1dan\u00fdch N\u00e1rodn\u00ed bance Moldavska za prvn\u00ed pololet\u00ed roku 2026; tr\u017en\u00ed pod\u00edly jsou uvedeny podle posledn\u00edch zve\u0159ejn\u011bn\u00fdch odhad\u016f a m\u011bn\u00ed se \u010dtvrtlet\u00ed od \u010dtvrtlet\u00ed.<\/p>\n\n\n\n

    maib \u2014 Moldova-Agroindbank<\/h3>\n\n\n\n