{"id":136,"date":"2013-11-28T15:32:16","date_gmt":"2013-11-28T13:32:16","guid":{"rendered":"https:\/\/bizmoldova.com\/tr\/moldovadaki-isletmeler-icin-bankalar\/"},"modified":"2026-09-03T17:40:26","modified_gmt":"2026-09-03T14:40:26","slug":"moldovadaki-isletmeler-icin-bankalar","status":"publish","type":"page","link":"https:\/\/bizmoldova.com\/tr\/moldovadaki-isletmeler-icin-bankalar\/","title":{"rendered":"Moldova’da i\u015fletmeler i\u00e7in bankalar: 2026 tam liste \u2014 SWIFT, IBAN kodlar\u0131, \u015fubeler"},"content":{"rendered":"\n

Moldova’da i\u015fletmeler i\u00e7in bankalar: 2026 tam liste \u2014 SWIFT, IBAN kodlar\u0131, \u015fubeler<\/h2>\n\n\n\n

Moldova Cumhuriyeti’nde 10 lisansl\u0131 banka faaliyet g\u00f6stermektedir.<\/strong> A\u015fa\u011f\u0131da her birinin resmi bilgileriyle birlikte tam liste yer almaktad\u0131r: yasal unvan, merkez ofis, telefon, e-posta, web sitesi, SWIFT\/BIC<\/strong>, IBAN kodundaki banka tan\u0131mlay\u0131c\u0131s\u0131<\/strong>, sahiplik yap\u0131s\u0131 ve resmi \u015fube haritas\u0131 ba\u011flant\u0131s\u0131. Ayr\u0131ca i\u015fletmelerin bilmesi gerekenler: \u015firket hesab\u0131 nas\u0131l a\u00e7\u0131l\u0131r, Moldova hesab\u0131 i\u00e7in SEPA nedir ve t\u00fczel ki\u015filerin paralar\u0131 nas\u0131l garanti alt\u0131na al\u0131n\u0131r.<\/p>\n\n\n

Eyl\u00fcl 2026 itibar\u0131yla g\u00fcnceldir. Banka bilgilerinin kayna\u011f\u0131 \u2014 Moldova Ulusal Bankas\u0131\u2019n\u0131n lisansl\u0131 bankalar listesi<\/a>; pazar paylar\u0131 ve sahiplik \u2014 BNM ve a\u00e7\u0131k kaynaklara g\u00f6re.<\/em><\/p>\n\n\n\n

Moldova\u2019daki t\u00fcm bankalar: SWIFT ve IBAN kodlar\u0131 tek tabloda<\/h3>\n\n\n\n
Banka<\/th>SWIFT \/ BIC<\/th>IBAN kodu<\/th>Genel merkez<\/th>Telefon<\/th><\/tr><\/thead>
maib<\/strong> (Moldova-Agroindbank)<\/td>AGRNMD2X<\/code><\/td>AG<\/code><\/td>Ki\u015finev, 31 August 1989 Cad. 127<\/td>1313, +373 22 22 27 70<\/td><\/tr>
Moldindconbank<\/strong> (MICB)<\/td>MOLDMD2X<\/code><\/td>ML<\/code><\/td>Ki\u015finev, Ermeni Cad. 38<\/td>+373 22 57 67 82<\/td><\/tr>
Victoriabank<\/strong><\/td>VICBMD2X<\/code><\/td>VI<\/code><\/td>Ki\u015finev, 31 August 1989 Cad., 141<\/td>+373 30 30 31 86<\/td><\/tr>
OTP Bank<\/strong> (eski-Mobiasbanca)<\/td>MOBBMD22<\/code><\/td>MO<\/code><\/td>Ki\u015finev, \u015etefan cel Mare Bulvar\u0131, 81a<\/td>+373 22 25 64 56<\/td><\/tr>
ProCredit Bank<\/strong><\/td>PRCBMD22<\/code><\/td>PR<\/code><\/td>Ki\u015finev, \u015etefan cel Mare Bulvar\u0131, 65, ofis 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\u015finev, Pu\u015fkin Cad., 26<\/td>+373 22 26 99 00<\/td><\/tr>
EXIMBANK<\/strong><\/td>EXMMMD22<\/code><\/td>EX<\/code><\/td>Ki\u015finev, \u015etefan cel Mare Bulvar\u0131, 171\/1<\/td>+373 22 60 00 00<\/td><\/tr>
ENERGBANK<\/strong><\/td>ENEGMD22<\/code><\/td>EN<\/code><\/td>Ki\u015finev, Tighina Cad., 23\/3<\/td>+373 22 85 80 00<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>CMTBMD2X<\/code><\/td>CM<\/code><\/td>Ki\u015finev, Ba\u011f\u0131ms\u0131zl\u0131k Cad. 1\/1<\/td>+373 22 83 98 39<\/td><\/tr>
EuroCreditBank<\/strong><\/td>ECBMMD2X<\/code><\/td>EC<\/code><\/td>Ki\u015finev, \u0130smail Cad. 33<\/td>+373 22 50 01 01<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

IBAN\u2019daki kod, hesab\u0131n\u0131zda MD<\/code> ve iki kontrol basama\u011f\u0131n\u0131n hemen ard\u0131ndan gelen iki karakterdir. Banka bilgileri banka ad\u0131 olmadan gelse bile banka bu kodlardan anla\u015f\u0131l\u0131r.<\/p>\n\n\n\n

Banka s\u0131ralamas\u0131: raporlama verileri ve kriterlere g\u00f6re derecelendirme<\/h3>\n\n\n

Moldova bankalar\u0131n\u0131n, nadir istisnalar d\u0131\u015f\u0131nda, uluslararas\u0131 kredi notlar\u0131 (Fitch, Moody’s, S&P) yoktur; bu y\u00fczden bunlar\u0131 Ulusal Banka\u2019ya sunduklar\u0131 raporlara ve m\u00fc\u015fteriyle nas\u0131l davrand\u0131klar\u0131na g\u00f6re kar\u015f\u0131la\u015ft\u0131rmak gerekir. A\u015fa\u011f\u0131da her ikisi de yer al\u0131yor: \u00f6nce do\u011frulanabilir rakamlar, ard\u0131ndan pratik kriterlere g\u00f6re bizim derecelendirmemiz. \u0130kincisi, m\u00fc\u015fterilere e\u015flik etme deneyimine dayal\u0131 uzman de\u011ferlendirmesidir, bir ajans notu de\u011fildir ve bunu a\u00e7\u0131k\u00e7a ayr\u0131 tutuyoruz.<\/p>\n\n\n\n

Rakamlar: 2026’n\u0131n ilk yar\u0131s\u0131nda pazar pay\u0131 ve k\u00e2r<\/h4>\n\n\n\n
Banka<\/th>Aktiflere g\u00f6re pazar pay\u0131<\/th>2026’n\u0131n ilk yar\u0131s\u0131 k\u00e2r\u0131, milyon ley<\/th>Ge\u00e7en y\u0131la g\u00f6re<\/th>Sahibi<\/th><\/tr><\/thead>
maib<\/strong><\/td>\u2248 %36 \u2014 birinci s\u0131rada<\/td>1 000\u2019den fazla<\/strong><\/td>+%26<\/td>EBRD konsorsiyumu, Invalda INVL, Horizon Capital<\/td><\/tr>
Moldindconbank<\/strong><\/td>\u2248 %21<\/td>720\u2019den fazla<\/strong><\/td>+%6<\/td>Doverie-Invest, Bulgaristan<\/td><\/tr>
Victoriabank<\/strong><\/td>%16,7 (varl\u0131klar 33,8 milyar ley)<\/td>256\u2019dan fazla<\/strong><\/td>+%40<\/td>Banca Transilvania, Romanya + EBRD<\/td><\/tr>
OTP Bank<\/strong><\/td>\u2248 %12<\/td>221<\/td>\u2212%4<\/td>OTP Group, Macaristan<\/td><\/tr>
FinComBank<\/strong><\/td>\u2248 %3,6<\/td>56<\/td>de\u011fi\u015fiklik yok<\/td>Moldoval\u0131 hissedarlar<\/td><\/tr>
ProCredit Bank<\/strong><\/td>\u2248 %4<\/td>46,7<\/td>+%60<\/td>ProCredit Holding, Almanya<\/td><\/tr>
ENERGBANK<\/strong><\/td>\u2248 %2<\/td>25,7<\/td>+%86<\/td>Iute Group, Estonya<\/td><\/tr>
EXIMBANK<\/strong><\/td>\u2248 3,4%<\/td>16,3<\/td>\u221272%<\/td>Intesa Sanpaolo, \u0130talya<\/td><\/tr>
COMER\u0162BANK<\/strong><\/td>\u2248 1,3%<\/td>1,5<\/td>\u2014<\/td>ACF Corporate Finance, Avusturya<\/td><\/tr>
EuroCreditBank<\/strong><\/td>\u2248 1%<\/td>0,1<\/td>\u221296%<\/td>\u00f6zel hissedarlar<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n

Sekt\u00f6r\u00fcn tamam\u0131 yar\u0131 y\u0131lda yakla\u015f\u0131k 2,36 milyar ley<\/strong> kazand\u0131 (2025\u2019e g\u00f6re +%15); aktifler yakla\u015f\u0131k 175\u2013180 milyar ley seviyesinde olup maib ve Moldindconbank sistem k\u00e2r\u0131n\u0131n yakla\u015f\u0131k %73\u2019\u00fcn\u00fc sa\u011fl\u0131yor<\/strong>. Rakamlar\u0131n ana sonucu da bu: piyasa g\u00fc\u00e7l\u00fc bi\u00e7imde yo\u011funla\u015fm\u0131\u015f durumda ve ilk \u00fc\u00e7 ile geri kalanlar aras\u0131ndaki fark onlarca kat. Ayr\u0131ca dinamiklere ayr\u0131ca bakmak gerek: ProCredit (+%60) ve ENERGBANK\u2019\u0131n (+%86) b\u00fcy\u00fcmesi ivme kazand\u0131klar\u0131n\u0131 g\u00f6sterirken, EXIMBANK (\u2212%72) ve EuroCreditBank\u2019\u0131n (\u2212%96) d\u00fc\u015f\u00fc\u015f\u00fc bankalar sa\u011flam olsa bile i\u015flerinin darald\u0131\u011f\u0131n\u0131 g\u00f6steriyor.<\/p>\n\n\n\n

Derecelendirme: i\u015fletme m\u00fc\u015fterisi i\u00e7in bankalar\u0131 nas\u0131l de\u011ferlendiriyoruz<\/h4>\n\n\n

Be\u015f kritere g\u00f6re de\u011ferlendiriyoruz; her biri \u00fc\u00e7 puanl\u0131k \u00f6l\u00e7ekte (A<\/strong> \u2014 g\u00fc\u00e7l\u00fc, B<\/strong> \u2014 kabul edilebilir, C<\/strong> \u2014 zay\u0131f nokta):<\/p>\n\n\n\n

    \n
  1. \u00d6l\u00e7ek ve s\u00fcrd\u00fcr\u00fclebilirlik<\/strong> \u2014 pazar pay\u0131, k\u00e2r ve raporlamaya g\u00f6re k\u00e2r\u0131n dinami\u011fi daha y\u00fcksek.<\/li>\n\n\n\n
  2. A\u011f<\/strong> \u2014 \u00fclke genelinde kapsama, Ki\u015finev d\u0131\u015f\u0131nda \u015fube eri\u015filebilirli\u011fi.<\/li>\n\n\n\n
  3. Uzaktan hizmet<\/strong> \u2014 t\u00fczel ki\u015filer i\u00e7in internet bankac\u0131l\u0131\u011f\u0131n\u0131n kalitesi, vek\u00e2letle i\u015flem yap\u0131labilmesi, sorunlar\u0131 ziyaret etmeden \u00e7\u00f6zebilme imk\u00e2n\u0131.<\/li>\n\n\n
  4. Yerle\u015fik olmayanlara yakla\u015f\u0131m<\/strong> \u2014 bankan\u0131n yabanc\u0131 kuruculu \u015firketlere hesap a\u00e7ma konusundaki \u00f6ng\u00f6r\u00fclebilirli\u011fi ve uyum s\u00fcrecinin ne kadar h\u0131zl\u0131 tamamland\u0131\u011f\u0131.<\/li>\n\n\n\n
  5. D\u0131\u015f ekonomik i\u015flemler<\/strong> \u2014 d\u00f6viz \u00f6demeleri, SEPA, ithalat-ihracat i\u015flemleri ve ticaret finansman\u0131 deste\u011fi.<\/li>\n<\/ol>\n\n\n\n
    Banka<\/th>\u00d6l\u00e7ek<\/th>A\u011f<\/th>Uzaktan<\/th>Yerle\u015fik olmayanlar<\/th>D\u0131\u015f ticaret<\/th>Sonu\u00e7<\/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

    Bu nas\u0131l kullan\u0131l\u0131r?<\/strong> \u00abA\u00bb notu \u201cherkes i\u00e7in en iyisi\u201d anlam\u0131na gelmez; bankan\u0131n, \u015firketin standart i\u015flemlerinin \u00e7o\u011funu g\u00fcvenle kar\u015f\u0131lad\u0131\u011f\u0131 anlam\u0131na gelir. \u00dclke genelinde bir a\u011fa ve eksiksiz bir hizmet setine ihtiyac\u0131n\u0131z varsa se\u00e7im maib<\/strong>, Moldindconbank<\/strong> ve Victoriabank<\/strong> aras\u0131ndad\u0131r. \u0130\u015fletme yurt d\u0131\u015f\u0131ndan y\u00f6netiliyorsa ve uyum s\u00fcre\u00e7lerinin \u00f6ng\u00f6r\u00fclebilirli\u011fi \u00f6nemliyse \u2014 OTP Bank<\/strong> ve ProCredit Bank<\/strong>. \u00d6ncelik Avrupal\u0131 kar\u015f\u0131 taraflarla yap\u0131lan \u00f6demelerse listeye EXIMBANK<\/strong>\u2019\u0131 (Intesa Sanpaolo grubu) ekleyin. \u00abC\u00bb sonucu alan bankalar \u201ck\u00f6t\u00fc\u201d de\u011fildir: bunlar k\u00fc\u00e7\u00fckt\u00fcr ve belirli bir g\u00f6rev i\u00e7in, limitleri ve tarifeleri \u00f6nceden netle\u015ftirerek onlarla \u00e7al\u0131\u015fmak mant\u0131kl\u0131d\u0131r.<\/p>\n\n\n

    D\u0131\u015f tan\u0131n\u0131rl\u0131klardan: maib<\/strong>, Euromoney dergisi taraf\u0131ndan 2026 y\u0131l\u0131 sonu\u00e7lar\u0131na g\u00f6re Moldova\u2019n\u0131n en iyi bankas\u0131 ve en iyi perakende bankas\u0131 se\u00e7ildi; maib, Moldindconbank ve Victoriabank, BDT\u2019nin en b\u00fcy\u00fck 200 bankas\u0131 aras\u0131nda yer almaktad\u0131r. K\u00e2r ve varl\u0131k verileri, bankalar\u0131n Moldova Ulusal Bankas\u0131\u2019na sundu\u011fu 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131na ili\u015fkin raporlardan al\u0131nm\u0131\u015ft\u0131r; pazar paylar\u0131 yay\u0131mlanm\u0131\u015f son tahminlere g\u00f6re verilmi\u015ftir ve \u00e7eyrekten \u00e7eyre\u011fe de\u011fi\u015fmektedir.<\/p>\n\n\n\n

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