{"id":27,"date":"2013-11-28T15:32:16","date_gmt":"2013-11-28T13:32:16","guid":{"rendered":"https:\/\/bizmoldova.com\/en\/?page_id=27"},"modified":"2026-09-03T12:42:51","modified_gmt":"2026-09-03T12:42:51","slug":"banks-in-moldova-for-business","status":"publish","type":"page","link":"https:\/\/bizmoldova.com\/en\/banks-in-moldova-for-business\/","title":{"rendered":"Banks in Moldova for business: complete list 2026 \u2014 SWIFT, IBAN codes, branches"},"content":{"rendered":"\n

Banks in Moldova for business: complete list 2026 \u2014 SWIFT, IBAN codes, branches<\/h2>\n\n\n\n

There are 10 licensed banks operating in the Republic of Moldova.<\/strong> Below is a complete list with the official details of each: legal name, head office, phone, e-mail, website, SWIFT\/BIC<\/strong>, bank identifier in the IBAN code<\/strong>, owners and a link to the official branch map. Plus what business needs to know: how to open a company account, what SEPA means for a Moldovan account and how legal entities’ funds are guaranteed.<\/p>\n\n\n

Current as of September 2026. Source of details \u2014 the register of licensed banks of the National Bank of Moldova<\/a>; market shares and owners \u2014 according to BNM data and open sources.<\/em><\/p>\n\n\n\n

All banks of Moldova: SWIFT and IBAN codes in one table<\/h3>\n\n\n\n
Bank<\/th>SWIFT \/ BIC<\/th>Code in IBAN<\/th>Head office<\/th>Phone<\/th><\/tr><\/thead>
maib<\/strong> (Moldova-Agroindbank)<\/td>AGRNMD2X<\/code><\/td>AG<\/code><\/td>Chisinau, 31 August 1989 Street, 127<\/td>1313, +373 22 22 27 70<\/td><\/tr>
Moldindconbank<\/strong> (MICB)<\/td>MOLDMD2X<\/code><\/td>ML<\/code><\/td>Chisinau, Armeneasc\u0103 Street, 38<\/td>+373 22 57 67 82<\/td><\/tr>
Victoriabank<\/strong><\/td>VICBMD2X<\/code><\/td>VI<\/code><\/td>Chisinau, 31 August 1989 St., 141<\/td>+373 30 30 31 86<\/td><\/tr>
OTP Bank<\/strong> (formerly Mobiasbanca)<\/td>MOBBMD22<\/code><\/td>MO<\/code><\/td>Chisinau, Stefan cel Mare Blvd., 81a<\/td>+373 22 25 64 56<\/td><\/tr>
ProCredit Bank<\/strong><\/td>PRCBMD22<\/code><\/td>PR<\/code><\/td>Chisinau, Stefan cel Mare Blvd., 65, Office 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>Chisinau, Pushkin St., 26<\/td>+373 22 26 99 00<\/td><\/tr>
EXIMBANK<\/strong><\/td>EXMMMD22<\/code><\/td>EX<\/code><\/td>Chisinau, Stefan cel Mare Blvd., 171\/1<\/td>+373 22 60 00 00<\/td><\/tr>
ENERGBANK<\/strong><\/td>ENEGMD22<\/code><\/td>EN<\/code><\/td>Chisinau, Tighina St., 23\/3<\/td>+373 22 85 80 00<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>CMTBMD2X<\/code><\/td>CM<\/code><\/td>Chisinau, 1\/1 Independence St.<\/td>+373 22 83 98 39<\/td><\/tr>
EuroCreditBank<\/strong><\/td>ECBMMD2X<\/code><\/td>EC<\/code><\/td>Chisinau, 33 Ismail St.<\/td>+373 22 50 01 01<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

The code in IBAN is the two characters that appear in your account immediately after MD<\/code> and the two check digits. They identify the bank, even if the details came without a name.<\/p>\n\n\n\n

Bank ranking: reporting figures and grading by criteria<\/h3>\n\n\n

Moldovan banks, with rare exceptions, do not have international credit ratings (Fitch, Moody’s, S&P) \u2014 they have to be compared based on their reporting to the National Bank and on how they behave with clients. Below are both: first the verifiable figures, then our grading according to practical criteria. The latter is an expert assessment based on client support experience, not an agency rating, and we make that distinction explicitly.<\/p>\n\n\n\n

Figures: market share and profit for the first half of 2026<\/h4>\n\n\n\n
Bank<\/th>Market share by assets<\/th>H1 2026 profit, million lei<\/th>Compared to last year<\/th>Ownership<\/th><\/tr><\/thead>
maib<\/strong><\/td>\u2248 36% \u2014 first place<\/td>more than 1 000<\/strong><\/td>+26%<\/td>consortium of EBRD, Invalda INVL, Horizon Capital<\/td><\/tr>
Moldindconbank<\/strong><\/td>\u2248 21%<\/td>more than 720<\/strong><\/td>+6%<\/td>Doverie-Invest, Bulgaria<\/td><\/tr>
Victoriabank<\/strong><\/td>16,7% (assets 33,8 billion lei)<\/td>more than 256<\/strong><\/td>+40%<\/td>Banca Transilvania, Romania + EBRD<\/td><\/tr>
OTP Bank<\/strong><\/td>\u2248 12%<\/td>221<\/td>\u22124%<\/td>OTP Group, Hungary<\/td><\/tr>
FinComBank<\/strong><\/td>\u2248 3,6%<\/td>56<\/td>unchanged<\/td>Moldovan shareholders<\/td><\/tr>
ProCredit Bank<\/strong><\/td>\u2248 4%<\/td>46,7<\/td>+60%<\/td>ProCredit Holding, Germany<\/td><\/tr>
ENERGBANK<\/strong><\/td>\u2248 2%<\/td>25,7<\/td>+86%<\/td>Iute Group, Estonia<\/td><\/tr>
EXIMBANK<\/strong><\/td>\u2248 3,4%<\/td>16,3<\/td>\u221272%<\/td>Intesa Sanpaolo, Italy<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>\u2248 1,3%<\/td>1,5<\/td>\u2014<\/td>ACF Corporate Finance, Austria<\/td><\/tr>
EuroCreditBank<\/strong><\/td>\u2248 1%<\/td>0,1<\/td>\u221296%<\/td>private shareholders<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

The entire sector earned about 2.36 billion lei<\/strong> in the half-year (+15% vs 2025) with assets of around 175\u2013180 billion lei, while maib and Moldindconbank generate about 73% of the system\u2019s total profit<\/strong>. This is the main takeaway from the figures: the market is highly concentrated, and the gap between the top three and the rest is tens of times. It is also worth looking at the dynamics separately: growth at ProCredit (+60%) and ENERGBANK (+86%) points to gaining momentum, while the decline at EXIMBANK (\u221272%) and EuroCreditBank (\u221296%) points to shrinking business, even if the banks themselves remain sound.<\/p>\n\n\n\n

Grading: how we assess banks for a business client<\/h4>\n\n\n

We evaluate according to five criteria, each on a three-point scale (A<\/strong> \u2014 strong, B<\/strong> \u2014 acceptable, C<\/strong> \u2014 weak point):<\/p>\n\n\n\n

    \n
  1. Scale and sustainability<\/strong> \u2014 market share, profit and its dynamics according to the reports above.<\/li>\n\n\n\n
  2. Network<\/strong> \u2014 nationwide coverage, branch accessibility outside Chisinau.<\/li>\n\n\n\n
  3. Remote servicing<\/strong> \u2014 quality of internet banking for legal entities, acting by power of attorney, ability to resolve issues without visits.<\/li>\n\n\n
  4. Treatment of non-residents<\/strong> \u2014 how predictably the bank opens an account for a company with foreign founders and how quickly compliance is completed.<\/li>\n\n\n\n
  5. Foreign economic operations<\/strong> \u2014 foreign currency payments, SEPA, support for export-import transactions and trade finance.<\/li>\n<\/ol>\n\n\n\n
    Bank<\/th>Scale<\/th>Network<\/th>Remote<\/th>Non-residents<\/th>Foreign trade<\/th>Overall<\/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><\/tbody><\/table><\/figure>
    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>\n\n\n

    How to use this.<\/strong> An \u201cA\u201d rating does not mean \u201cbest for everyone\u201d \u2014 it means that the bank confidently covers most standard business tasks. If you need a nationwide network and a full range of services, the choice is between maib<\/strong>, Moldindconbank<\/strong> and Victoriabank<\/strong>. If the business is managed from abroad and compliance predictability is important \u2014 OTP Bank<\/strong> and ProCredit Bank<\/strong>. If the key need is settlements with European counterparties, add EXIMBANK<\/strong> (Intesa Sanpaolo group) to the list. Banks with a \u201cC\u201d result are not \u201cbad\u201d: they are small, and it makes sense to work with them for a specific task, after clarifying limits and tariffs in advance.<\/p>\n\n\n

    Among external recognitions: maib<\/strong> was named by Euromoney magazine the best bank in Moldova and the best retail bank for 2026 results; maib, Moldindconbank and Victoriabank are among the 200 largest banks in the CIS. Profit and asset data are from the banks\u2019 reports to the National Bank of Moldova for the first half of 2026; market shares are based on the latest published estimates and change from quarter to quarter.<\/p>\n\n\n\n

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