{"id":14,"date":"2013-11-28T15:32:16","date_gmt":"2013-11-28T13:32:16","guid":{"rendered":"https:\/\/bizmoldova.com\/ro\/?page_id=14"},"modified":"2026-09-03T13:04:41","modified_gmt":"2026-09-03T13:04:41","slug":"bancile-din-moldova-pentru-afaceri","status":"publish","type":"page","link":"https:\/\/bizmoldova.com\/ro\/bancile-din-moldova-pentru-afaceri\/","title":{"rendered":"B\u0103nci \u00een Moldova pentru afaceri: lista complet\u0103 2026 \u2014 SWIFT, coduri IBAN, sucursale"},"content":{"rendered":"\n

B\u0103nci \u00een Moldova pentru afaceri: lista complet\u0103 2026 \u2014 SWIFT, coduri IBAN, sucursale<\/h2>\n\n\n\n

\u00cen Republica Moldova activeaz\u0103 10 b\u0103nci licen\u021biate.<\/strong> Mai jos \u2014 lista complet\u0103 cu datele oficiale ale fiec\u0103reia: denumirea juridic\u0103, sediul central, telefon, e-mail, site, SWIFT\/BIC<\/strong>, identificatorul b\u0103ncii din codul IBAN<\/strong>, ac\u021bionarii \u0219i linkul c\u0103tre harta oficial\u0103 a sucursalelor. Plus ce trebuie s\u0103 \u0219tie afacerile: cum s\u0103 deschid\u0103 un cont de companie, ce este SEPA pentru un cont moldovenesc \u0219i cum sunt garanta\u021bi banii persoanelor juridice.<\/p>\n\n\n

Actual la septembrie 2026. Sursa datelor de identificare \u2014 registrul b\u0103ncilor licen\u021biate al B\u0103ncii Na\u021bionale a Moldovei<\/a>; cotele de pia\u021b\u0103 \u0219i ac\u021bionarii \u2014 conform datelor BNM \u0219i surselor deschise.<\/em><\/p>\n\n\n\n

Toate b\u0103ncile din Moldova: coduri SWIFT \u0219i IBAN \u00eentr-un singur tabel<\/h3>\n\n\n\n
Banc\u0103<\/th>SWIFT \/ BIC<\/th>Cod \u00een IBAN<\/th>Sediul central<\/th>Telefon<\/th><\/tr><\/thead>
maib<\/strong> (Moldova-Agroindbank)<\/td>AGRNMD2X<\/code><\/td>AG<\/code><\/td>Chi\u0219in\u0103u, str. 31 August 1989, 127<\/td>1313, +373 22 22 27 70<\/td><\/tr>
Moldindconbank<\/strong> (MICB)<\/td>MOLDMD2X<\/code><\/td>ML<\/code><\/td>Chi\u0219in\u0103u, str. Armeneasc\u0103, 38<\/td>+373 22 57 67 82<\/td><\/tr><\/tbody><\/table><\/figure>
Victoriabank<\/strong><\/td>VICBMD2X<\/code><\/td>VI<\/code><\/td>Chi\u0219in\u0103u, str. 31 August 1989, 141<\/td>+373 30 30 31 86<\/td><\/tr>
OTP Bank<\/strong> (fosta Mobiasbanca)<\/td>MOBBMD22<\/code><\/td>MO<\/code><\/td>Chi\u0219in\u0103u, bd. \u0218tefan cel Mare, 81a<\/td>+373 22 25 64 56<\/td><\/tr>
ProCredit Bank<\/strong><\/td>PRCBMD22<\/code><\/td>PR<\/code><\/td>Chi\u0219in\u0103u, bd. \u0218tefan cel Mare, 65, of. 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>Chi\u0219in\u0103u, str. Pu\u0219kin, 26<\/td>+373 22 26 99 00<\/td><\/tr>
EXIMBANK<\/strong><\/td>EXMMMD22<\/code><\/td>EX<\/code><\/td>Chi\u0219in\u0103u, bd. \u0218tefan cel Mare, 171\/1<\/td>+373 22 60 00 00<\/td><\/tr>
ENERGBANK<\/strong><\/td>ENEGMD22<\/code><\/td>EN<\/code><\/td>Chi\u0219in\u0103u, str. Tighina, 23\/3<\/td>+373 22 85 80 00<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>CMTBMD2X<\/code><\/td>CM<\/code><\/td>Chi\u0219in\u0103u, str. Independen\u021bei, 1\/1<\/td>+373 22 83 98 39<\/td><\/tr>
EuroCreditBank<\/strong><\/td>ECBMMD2X<\/code><\/td>EC<\/code><\/td>Chi\u0219in\u0103u, str. Ismail, 33<\/td>+373 22 50 01 01<\/td><\/tr><\/tbody>\n\n\n\n

Codul din IBAN este alc\u0103tuit din cele dou\u0103 caractere care apar \u00een contul dumneavoastr\u0103 imediat dup\u0103 MD<\/code> \u0219i cele dou\u0103 cifre de control. Pe baza lor se identific\u0103 banca, chiar dac\u0103 datele bancare au venit f\u0103r\u0103 denumire.<\/p>\n\n\n\n

Ratingul b\u0103ncilor: cifrele raport\u0103rilor \u0219i gradarea pe criterii<\/h3>\n\n\n

Ratingurile interna\u021bionale de credit (Fitch, Moody’s, S&P) ale b\u0103ncilor moldovene\u0219ti, cu rare excep\u021bii, lipsesc \u2014 acestea trebuie comparate pe baza raport\u0103rilor c\u0103tre Banca Na\u021bional\u0103 \u0219i a modului \u00een care se comport\u0103 cu clientul. Mai jos sunt ambele: mai \u00eent\u00e2i cifrele verificabile, apoi clasificarea noastr\u0103 dup\u0103 criterii practice. A doua este o evaluare de expert bazat\u0103 pe experien\u021ba de \u00eenso\u021bire a clien\u021bilor, nu un rating de agen\u021bie, \u0219i facem aceast\u0103 distinc\u021bie \u00een mod explicit.<\/p>\n\n\n\n

Cifre: cota de pia\u021b\u0103 \u0219i profitul pentru semestrul I 2026<\/h4>\n\n\n\n
Banc\u0103<\/th>Cota de pia\u021b\u0103 dup\u0103 active<\/th>Profit semestrul I 2026, mil. lei<\/th>Fa\u021b\u0103 de anul trecut<\/th>Cine de\u021bine<\/th><\/tr><\/thead>
maib<\/strong><\/td>\u2248 36% \u2014 primul loc<\/td>peste 1 000<\/strong><\/td>+26%<\/td>consor\u021biul BERD, Invalda INVL, Horizon Capital<\/td><\/tr>
Moldindconbank<\/strong><\/td>\u2248 21%<\/td>peste 720<\/strong><\/td>+6%<\/td>Doverie-Invest, Bulgaria<\/td><\/tr>
Victoriabank<\/strong><\/td>16,7% (active 33,8 miliarde lei)<\/td>peste 256<\/strong><\/td>+40%<\/td>Banca Transilvania, Rom\u00e2nia + BERD<\/td><\/tr>
OTP Bank<\/strong><\/td>\u2248 12%<\/td>221<\/td>\u22124%<\/td>OTP Group, Ungaria<\/td><\/tr>
FinComBank<\/strong><\/td>\u2248 3,6%<\/td>56<\/td>f\u0103r\u0103 modific\u0103ri<\/td>ac\u021bionari moldoveni<\/td><\/tr>
ProCredit Bank<\/strong><\/td>\u2248 4%<\/td>46,7<\/td>+60%<\/td>ProCredit Holding, Germania<\/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, Italia<\/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>ac\u021bionari priva\u021bi<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

\u00centregul sector a ob\u021binut \u00een semestru aproximativ 2,36 miliarde lei<\/strong> (+15% fa\u021b\u0103 de 2025) cu active de ordinul a 175\u2013180 miliarde lei, iar maib \u0219i Moldindconbank genereaz\u0103 aproximativ 73% din profitul total al sistemului<\/strong>. Aceasta este principala concluzie a cifrelor: pia\u021ba este puternic concentrat\u0103, decalajul dintre primii trei \u0219i restul este de zeci de ori. Separat, trebuie urm\u0103rit\u0103 dinamica: cre\u0219terea ProCredit (+60%) \u0219i ENERGBANK (+86%) indic\u0103 o accelerare, iar sc\u0103derea EXIMBANK (\u221272%) \u0219i EuroCreditBank (\u221296%) indic\u0103 o contrac\u021bie a activit\u0103\u021bii, chiar dac\u0103 b\u0103ncile \u00een sine sunt solide.<\/p>\n\n\n\n

Grada\u021bia: cum evalu\u0103m b\u0103ncile pentru clientul de business<\/h4>\n\n\n

Evalu\u0103m dup\u0103 cinci criterii, fiecare pe o scal\u0103 de trei puncte (A<\/strong> \u2014 puternic, B<\/strong> \u2014 acceptabil, C<\/strong> \u2014 punct slab):<\/p>\n\n\n\n

    \n
  1. Anvergur\u0103 \u0219i stabilitate<\/strong> \u2014 cot\u0103 de pia\u021b\u0103, profit \u0219i dinamica acestuia conform raport\u0103rilor, mai ridicate.<\/li>\n\n\n\n
  2. Re\u021bea<\/strong> \u2014 acoperire la nivel na\u021bional, accesibilitatea unei sucursale \u00een afara Chi\u0219in\u0103ului.<\/li>\n\n\n\n
  3. Servicii la distan\u021b\u0103<\/strong> \u2014 calitatea internet banking-ului pentru persoane juridice, lucrul prin procur\u0103, posibilitatea de a rezolva problemele f\u0103r\u0103 vizite.<\/li>\n\n\n
  4. Atitudinea fa\u021b\u0103 de nereziden\u021bi<\/strong> \u2014 c\u00e2t de previzibil deschide banca un cont pentru o companie cu fondatori str\u0103ini \u0219i c\u00e2t de repede decurge verificarea de conformitate.<\/li>\n\n\n\n
  5. Opera\u021biuni economice externe<\/strong> \u2014 pl\u0103\u021bi valutare, SEPA, sus\u021binerea tranzac\u021biilor de export-import \u0219i a finan\u021b\u0103rii comerciale.<\/li>\n<\/ol>\n\n\n\n
    Banc\u0103<\/th>Dimensiune<\/th>Re\u021bea<\/th>La distan\u021b\u0103<\/th>Nereziden\u021bi<\/th>Opera\u021biuni externe<\/th>Rezultat<\/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

    Cum s\u0103 folosi\u021bi acest lucru.<\/strong> Calificativul \u201eA\u201d nu \u00eenseamn\u0103 \u201ecel mai bun pentru to\u021bi\u201d \u2014 \u00eenseamn\u0103 c\u0103 banca acoper\u0103 cu \u00eencredere majoritatea sarcinilor tipice ale companiei. Dac\u0103 ave\u021bi nevoie de o re\u021bea \u00een toat\u0103 \u021bara \u0219i de un set complet de servicii, alegerea se face \u00eentre maib<\/strong>, Moldindconbank<\/strong> \u0219i Victoriabank<\/strong>. Dac\u0103 afacerea este administrat\u0103 din str\u0103in\u0103tate \u0219i predictibilitatea conformit\u0103\u021bii este important\u0103 \u2014 OTP Bank<\/strong> \u0219i ProCredit Bank<\/strong>. Dac\u0103 esen\u021biale sunt decont\u0103rile cu contrap\u0103r\u021bi europeni, ad\u0103uga\u021bi pe list\u0103 EXIMBANK<\/strong> (grupul Intesa Sanpaolo). B\u0103ncile cu rezultat \u201eC\u201d nu sunt \u201erele\u201d: sunt mici \u0219i are sens s\u0103 colabora\u021bi cu ele pentru o sarcin\u0103 anume, clarific\u00e2nd din timp limitele \u0219i tarifele.<\/p>\n\n\n

    Printre recunoa\u0219terile externe: maib<\/strong> a fost desemnat de revista Euromoney cea mai bun\u0103 banc\u0103 din Moldova \u0219i cea mai bun\u0103 banc\u0103 de retail conform rezultatelor anului 2026; maib, Moldindconbank \u0219i Victoriabank se num\u0103r\u0103 printre cele mai mari 200 de b\u0103nci din CSI. Datele privind profitul \u0219i activele provin din raport\u0103rile b\u0103ncilor c\u0103tre Banca Na\u021bional\u0103 a Moldovei pentru primul semestru al anului 2026; cotele de pia\u021b\u0103 sunt prezentate conform ultimelor estim\u0103ri publicate \u0219i variaz\u0103 de la un trimestru la altul.<\/p>\n\n\n\n

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