{"id":137,"date":"2013-11-28T15:32:16","date_gmt":"2013-11-28T13:32:16","guid":{"rendered":"https:\/\/bizmoldova.com\/sk\/banky-v-moldavsku-pre-podnikanie\/"},"modified":"2026-09-03T16:42:35","modified_gmt":"2026-09-03T13:42:35","slug":"banky-v-moldavsku-pre-podnikanie","status":"publish","type":"page","link":"https:\/\/bizmoldova.com\/sk\/banky-v-moldavsku-pre-podnikanie\/","title":{"rendered":"Banky v Moldavsku pre firmy: \u00fapln\u00fd zoznam 2026 \u2014 SWIFT, k\u00f3dy IBAN, pobo\u010dky"},"content":{"rendered":"\n

Banky v Moldavsku pre podnikanie: \u00fapln\u00fd zoznam 2026 \u2014 SWIFT, k\u00f3dy IBAN, pobo\u010dky<\/h2>\n\n\n\n

V Moldavskej republike p\u00f4sob\u00ed 10 licencovan\u00fdch b\u00e1nk.<\/strong> Ni\u017e\u0161ie je \u00fapln\u00fd zoznam s ofici\u00e1lnymi \u00fadajmi ka\u017edej z nich: pr\u00e1vny n\u00e1zov, centr\u00e1la, telef\u00f3n, e-mail, webov\u00e1 str\u00e1nka, SWIFT\/BIC<\/strong>, identifik\u00e1tor banky v k\u00f3de IBAN<\/strong>, vlastn\u00edci a odkaz na ofici\u00e1lnu mapu pobo\u010diek. Plus to, \u010do podniky potrebuj\u00fa vedie\u0165: ako si otvori\u0165 firemn\u00fd \u00fa\u010det, \u010do je SEPA pre moldavsk\u00fd \u00fa\u010det a ako s\u00fa garantovan\u00e9 peniaze pr\u00e1vnick\u00fdch os\u00f4b.<\/p>\n\n\n

Aktu\u00e1lne k septembru 2026. Zdroj bankov\u00fdch \u00fadajov \u2014 register licencovan\u00fdch b\u00e1nk N\u00e1rodnej banky Moldavska<\/a>; podiely na trhu a vlastn\u00edci \u2014 pod\u013ea \u00fadajov BNM a verejn\u00fdch zdrojov.<\/em><\/p>\n\n\n\n

V\u0161etky banky Moldavska: SWIFT a IBAN k\u00f3dy v jednej tabu\u013eke<\/h3>\n\n\n\n
Banka<\/th>SWIFT \/ BIC<\/th>K\u00f3d v IBAN<\/th>Hlavn\u00e9 s\u00eddlo<\/th>Telef\u00f3n<\/th><\/tr><\/thead>
maib<\/strong> (Moldova-Agroindbank)<\/td>AGRNMD2X<\/code><\/td>AG<\/code><\/td>Ki\u0161i\u0148ov, 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\u0161i\u0148ov, ul. Arm\u00e9nska, 38<\/td>+373 22 57 67 82<\/td><\/tr>
Victoriabank<\/strong><\/td>VICBMD2X<\/code><\/td>VI<\/code><\/td>Ki\u0161i\u0148ov, ul. 31. augusta 1989, 141<\/td>+373 30 30 31 86<\/td><\/tr>
OTP Bank<\/strong> (ex-Mobiasbanca)<\/td>MOBBMD22<\/code><\/td>MO<\/code><\/td>Ki\u0161i\u0148ov, bulv. \u0160tefana Ve\u013ek\u00e9ho, 81a<\/td>+373 22 25 64 56<\/td><\/tr>
ProCredit Bank<\/strong><\/td>PRCBMD22<\/code><\/td>PR<\/code><\/td>Ki\u0161i\u0148ov, bulv. \u0160tefana Ve\u013ek\u00e9ho, 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\u0161i\u0148ov, ul. Pu\u0161kina, 26<\/td>+373 22 26 99 00<\/td><\/tr>
EXIMBANK<\/strong><\/td>EXMMMD22<\/code><\/td>EX<\/code><\/td>Ki\u0161i\u0148ov, bulv. \u0160tefana Ve\u013ek\u00e9ho, 171\/1<\/td>+373 22 60 00 00<\/td><\/tr>
ENERGBANK<\/strong><\/td>ENEGMD22<\/code><\/td>EN<\/code><\/td>Ki\u0161i\u0148ov, ul. Tighina, 23\/3<\/td>+373 22 85 80 00<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>CMTBMD2X<\/code><\/td>CM<\/code><\/td>Ki\u0161i\u0148ov, ul. Nez\u00e1vislosti, 1\/1<\/td>+373 22 83 98 39<\/td><\/tr>
EuroCreditBank<\/strong><\/td>ECBMMD2X<\/code><\/td>EC<\/code><\/td>Ki\u0161i\u0148ov, ul. Ismail, 33<\/td>+373 22 50 01 01<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

K\u00f3d v IBAN tvoria tie dva znaky, ktor\u00e9 sa na va\u0161om \u00fa\u010dte nach\u00e1dzaj\u00fa hne\u010f po MD<\/code> a dvoch kontroln\u00fdch \u010d\u00edsliciach. Pod\u013ea nich vidno banku, aj ke\u010f \u00fadaje pri\u0161li bez n\u00e1zvu.<\/p>\n\n\n\n

Rebr\u00ed\u010dek b\u00e1nk: \u010d\u00edsla z v\u00fdkazov a klasifik\u00e1cia pod\u013ea krit\u00e9ri\u00ed<\/h3>\n\n\n

Medzin\u00e1rodn\u00e9 \u00faverov\u00e9 ratingy (Fitch, Moody’s, S&P) moldavsk\u00e9 banky a\u017e na zriedkav\u00e9 v\u00fdnimky nemaj\u00fa \u2013 porovn\u00e1va\u0165 ich treba pod\u013ea v\u00fdkazov vo\u010di N\u00e1rodnej banke a pod\u013ea toho, ako sa spr\u00e1vaj\u00fa ku klientovi. Ni\u017e\u0161ie je oboje: najprv overite\u013en\u00e9 \u010d\u00edsla, potom na\u0161a stupnica pod\u013ea praktick\u00fdch krit\u00e9ri\u00ed. Druh\u00e9 je expertn\u00e9 hodnotenie na z\u00e1klade sk\u00fasenost\u00ed so sprev\u00e1dzan\u00edm klientov, nie rating agent\u00fary, a to v\u00fdslovne rozli\u0161ujeme.<\/p>\n\n\n\n

\u010c\u00edsla: trhov\u00fd podiel a zisk za prv\u00fd polrok 2026<\/h4>\n\n\n\n
Banka<\/th>Trhov\u00fd podiel na akt\u00edvach<\/th>Zisk za 1. polrok 2026, mil. lei<\/th>Oproti minul\u00e9mu roku<\/th>Kto vlastn\u00ed<\/th><\/tr><\/thead>
maib<\/strong><\/td>\u2248 36% \u2014 prv\u00e9 miesto<\/td>viac ako 1 000<\/strong><\/td>+26%<\/td>konzorcium EBOR, Invalda INVL, Horizon Capital<\/td><\/tr>
Moldindconbank<\/strong><\/td>\u2248 21%<\/td>viac ako 720<\/strong><\/td>+6%<\/td>Doverie-Invest, Bulharsko<\/td><\/tr>
Victoriabank<\/strong><\/td>16,7% (akt\u00edva 33,8 mld. lei)<\/td>viac ako 256<\/strong><\/td>+40%<\/td>Banca Transilvania, Rumunsko + EBOR<\/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>bez zmien<\/td>moldavsk\u00ed akcion\u00e1ri<\/td><\/tr>
ProCredit Bank<\/strong><\/td>\u2248 4%<\/td>46,7<\/td>+60%<\/td>ProCredit Holding, Nemecko<\/td><\/tr>
ENERGBANK<\/strong><\/td>\u2248 2%<\/td>25,7<\/td>+86%<\/td>Iute Group, Est\u00f3nsko<\/td><\/tr>
EXIMBANK<\/strong><\/td>\u2248 3,4%<\/td>16,3<\/td>\u221272%<\/td>Intesa Sanpaolo, Taliansko<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>\u2248 1,3%<\/td>1,5<\/td>\u2014<\/td>ACF Corporate Finance, Rak\u00fasko<\/td><\/tr>
EuroCreditBank<\/strong><\/td>\u2248 1%<\/td>0,1<\/td>\u221296%<\/td>s\u00fakromn\u00ed akcion\u00e1ri<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

Cel\u00fd sektor zarobil za polrok pribli\u017ene 2,36 mld. lei<\/strong> (+15% oproti roku 2025) pri akt\u00edvach okolo 175\u2013180 mld. lei, pri\u010dom maib a Moldindconbank tvoria pribli\u017ene 73% celkov\u00e9ho zisku syst\u00e9mu<\/strong>. To je hlavn\u00fd z\u00e1ver z \u010d\u00edsel: trh je silne koncentrovan\u00fd, rozdiel medzi prvou trojkou a ostatn\u00fdmi je desa\u0165n\u00e1sobn\u00fd. Osobitne treba sledova\u0165 dynamiku: rast ProCredit (+60%) a ENERGBANK (+86%) hovor\u00ed o naberan\u00ed obr\u00e1tok, zatia\u013e \u010do pokles EXIMBANK (\u221272%) a EuroCreditBank (\u221296%) hovor\u00ed o zu\u017eovan\u00ed podnikania, aj ke\u010f samotn\u00e9 banky s\u00fa stabiln\u00e9.<\/p>\n\n\n\n

Grad\u00e1cia: ako hodnot\u00edme banky pre firemn\u00e9ho klienta<\/h4>\n\n\n

Hodnot\u00edme pod\u013ea piatich krit\u00e9ri\u00ed, ka\u017ed\u00e9 na trojstup\u0148ovej \u0161k\u00e1le (A<\/strong> \u2014 silno, B<\/strong> \u2014 prijate\u013ene, C<\/strong> \u2014 slab\u00e9 miesto):<\/p>\n\n\n\n

    \n
  1. Rozsah a stabilita<\/strong> \u2014 podiel na trhu, zisk a jeho dynamika pod\u013ea v\u00fdkazov vy\u0161\u0161ie.<\/li>\n\n\n\n
  2. Sie\u0165<\/strong> \u2014 pokrytie po krajine, dostupnos\u0165 pobo\u010dky mimo Ki\u0161i\u0148ova.<\/li>\n\n\n\n
  3. Di\u0161tan\u010dn\u00e9 slu\u017eby<\/strong> \u2014 kvalita internetbankingu pre pr\u00e1vnick\u00e9 osoby, pr\u00e1ca na z\u00e1klade plnej moci, mo\u017enos\u0165 rie\u0161i\u0165 z\u00e1le\u017eitosti bez n\u00e1v\u0161tev.<\/li>\n\n\n
  4. Pr\u00edstup k nerezidentom<\/strong> \u2014 nako\u013eko predv\u00eddate\u013ene banka otv\u00e1ra \u00fa\u010det spolo\u010dnosti so zahrani\u010dn\u00fdmi spolo\u010dn\u00edkmi a ako r\u00fdchlo prebieha compliance.<\/li>\n\n\n\n
  5. Zahrani\u010dnoobchodn\u00e9 oper\u00e1cie<\/strong> \u2014 dev\u00edzov\u00e9 platby, SEPA, podpora exportno-importn\u00fdch transakci\u00ed a obchodn\u00e9ho financovania.<\/li>\n<\/ol>\n\n\n\n
    Banka<\/th>Rozsah<\/th>Sie\u0165<\/th>Na dia\u013eku<\/th>Nerezidenti<\/th>Zahrani\u010dn\u00fd obchod<\/th>V\u00fdsledok<\/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

    Ako to pou\u017e\u00edva\u0165.<\/strong> Hodnotenie \u201eA\u201c neznamen\u00e1 \u201enajlep\u0161ie pre v\u0161etk\u00fdch\u201c \u2014 znamen\u00e1, \u017ee banka spo\u013eahlivo pokr\u00fdva v\u00e4\u010d\u0161inu typick\u00fdch firemn\u00fdch \u00faloh. Ak potrebujete sie\u0165 po celej krajine a kompletn\u00e9 slu\u017eby, v\u00fdber je medzi maib<\/strong>, Moldindconbank<\/strong> a Victoriabank<\/strong>. Ak je firma riaden\u00e1 zo zahrani\u010dia a je d\u00f4le\u017eit\u00e1 predv\u00eddate\u013enos\u0165 compliance \u2014 OTP Bank<\/strong> a ProCredit Bank<\/strong>. Ak s\u00fa k\u013e\u00fa\u010dov\u00e9 platby s eur\u00f3pskymi obchodn\u00fdmi partnermi, pridajte do zoznamu EXIMBANK<\/strong> (skupina Intesa Sanpaolo). Banky s v\u00fdsledkom \u201eC\u201c nie s\u00fa \u201ezl\u00e9\u201c: s\u00fa men\u0161ie a m\u00e1 zmysel s nimi pracova\u0165 na konkr\u00e9tny \u00fa\u010del, pri\u010dom si vopred overte limity a tarify.<\/p>\n\n\n

    Z extern\u00fdch ocenen\u00ed: maib<\/strong> bol \u010dasopisom Euromoney vyhl\u00e1sen\u00fd za najlep\u0161iu banku Moldavska a najlep\u0161iu retailov\u00fa banku za rok 2026; maib, Moldindconbank a Victoriabank patria medzi 200 najv\u00e4\u010d\u0161\u00edch b\u00e1nk SN\u0160. \u00dadaje o zisku a akt\u00edvach s\u00fa z v\u00fdkazov b\u00e1nk pre N\u00e1rodn\u00fa banku Moldavska za prv\u00fd polrok 2026; trhov\u00e9 podiely s\u00fa uveden\u00e9 pod\u013ea posledn\u00fdch zverejnen\u00fdch odhadov a medzi \u0161tvr\u0165rokmi sa menia.<\/p>\n\n\n\n

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