Irina Coroi-Jovmir

Irina Coroi-Jovmir graduated the Academy of Economic Studies of Moldova in 2008, and in the same year, joined the team of BC "ProCredit Bank" SA. In 2016, she graduated from the ProCredit Management Academy in Fürth, Germany.

Within the Bank, she began her career as a Banking Services Expert in the field of SME consultancy. In 2010, she advanced to the position of Corporate Client Expert, and in November 2012, she was approved by the National Bank of Moldova as Deputy Branch Manager of Chișinău - Centru 1. Subsequently, in August 2014, she became Deputy Branch Manager of the Bălți Branch, and from 2015, she took over the position of Deputy Head of the Business Clients Department – Large Enterprises.

In January 2016, she was appointed Deputy Chairperson of the Management Board of BC "ProCredit Bank" SA, and in November 2021, she took over the position of Chairperson of the Management Board.

MANAGEMENT FOR HIGH-PERFORMANCE BANKING

 

At ProCredit Bank, team success is built on a solid foundation of effective leadership and strategic vision. The bank's management is ensured by dedicated professionals who combine financial expertise with an innovative approach, oriented towards continuous development and operational excellence.

Irina Coroi-Jovmir

Chairperson of the Management Board of BC "ProCredit Bank" SA

Vladimir Domentii

Deputy Chairperson of the Management Board of BC "ProCredit Bank" SA

Andrei Taracanov

Deputy Chairperson of the Management Board of BC "ProCredit Bank" SA

Supervisory Board of B.C. "ProCredit Bank" S.A. – starting March 31, 2025

 

Christian Edgardo Dagrosa – Chairman of the Supervisory Board
Jovanka Joleska Popovska – Member of the Supervisory Board
Stela Ciobu – Member of the Supervisory Board
Nicholas Tesseyman – Member of the Supervisory Board
Eriola Bibolli – Member of the Supervisory Board
KEY COMPONENTS OF THE PROCREDIT GROUP

Learn more about the ProCredit Group structure and how each component – from banks and IT solutions to vocational training centers – contributes to supporting SMEs, promoting responsible practices, and stimulating sustainable economic development.

About us

The ProCredit Group consists of development-oriented commercial banks operating in South Eastern Europe, Eastern Europe, South America, and Germany. ProCredit Holding, the parent company of the Group, based in Frankfurt, Germany, is responsible for the Group's overall strategy, capital adequacy, risk management, and the organization of its activities.

ProCredit Bank Moldova, part of the ProCredit group, was established in 2007 with the primary goal of supporting SMEs by providing financial solutions tailored to their needs. The bank promotes transparency, social responsibility, and environmental protection, being dedicated to sustainable economic development.


History and Mission

ProCredit Holding was founded in 1998, under the initial name of Internationale Micro Investitionen AG, with the aim of meeting the financing needs of SMEs in developing and transition countries, focusing on sustainable economic development.

ProCredit's mission is to provide transparent and secure banking services, while promoting environmental protection and social responsibility, financing projects in areas such as renewable energy and sustainable agriculture, to encourage good business practices.

ProCredit Bank is a commercial bank with a development-oriented approach, offering banking services for SMEs and for individuals who prefer to use electronic banking channels. We are guided by principles of transparency in customer communication, reducing the carbon footprint, and providing solutions based on a deep understanding of each client's needs, accompanied by detailed financial analysis.


Key Entities within the ProCredit Group

Quipu GmbH

  • Role: IT service provider
  • Description: Quipu GmbH's mission is to develop and provide software solutions and IT services for the ProCredit group banks and other financial institutions.

ProCredit Group

  • Number: 12 ProCredit banks
  • Description: The ProCredit network of commercial banks, dedicated to transparent and responsible financial solutions for both business clients and individuals.

ProCredit Academy GmbH

  • Role: Training center
  • Description: ProCredit Academy GmbH offers continuous training programs for ProCredit group employees, contributing to their professional and personal development to ensure high competence and a solid organizational culture.

This structure reflects the ProCredit Group's commitment to promoting sustainable economic development through the combination of banking services, technological solutions, and continuous education.

BUSINESS ETHICS AND SOCIAL RESPONSIBILITY
  • Transparency and financial education to ensure that clients have a full understanding of their financial options and the risks involved.
  • Responsible lending through rigorous repayment capacity assessment, thereby preventing over-indebtedness.
  • Promoting sustainability through green financial solutions and initiatives that support the transition to an ecological and sustainable economy.

What defines us

  • Transparency

    We ensure that all clients fully understand the contracts they sign and promote financial education to prevent risks associated with non-transparent financial offers.

  • Culture of Open Communication

    We encourage an open, fair, and constructive dialogue among employees. Conflicts are addressed professionally, with a focus on finding solutions.

  • Social Responsibility and Tolerance

    We provide responsible financial advisory, carefully assessing our clients' repayment capacity to prevent over-indebtedness. We adhere to ethical business principles and do not finance harmful activities.

  • High Professional Standards

    Each employee takes responsibility for the quality of their work and strives for continuous professional development.

  • Integrity and Personal Commitment

    All employees must demonstrate full honesty; any deviation is treated with seriousness and promptness.

Corporate values play an essential role in defining our business ethics. The following fundamental principles lie at the core of ProCredit institutions' activity.

These principles are integrated into our daily activities through the implementation of best practices and strict measures to prevent the institution from being used for money laundering, terrorist financing, or other illegal activities. ProCredit banks do not tolerate fraud or suspicious behavior; staff are trained to apply the "Know Your Customer" principle and comply with current regulations through a rigorous process of monitoring and reporting.

Environmental Management at ProCredit Bank – focus on sustainability and ecology, based on three pillars

ProCredit Bank's approach to environmental sustainability highlights a constant commitment to harmonizing business objectives with ecological responsibility. Through well-defined actions, solid partnerships, and the active involvement of employees and the community, the bank supports a clear direction in protecting the environment.

  • We permanently analyze our internal environmental impact, with the clear objective of improving it through measures such as reducing water and electricity consumption.
  • Our internal environmental management system aims to closely monitor the consumption of resources, such as energy and water, while promoting a planned and sustained reduction of these. We also encourage ecological awareness among employees and collaborate with suppliers who respect sustainability principles.
  • Since 2017, ProCredit Bank has held the ISO 14001 certification – Environmental Management System, a public and official commitment to protecting the environment.
  • Environmental aspects are integrated into the professional training of ProCredit Bank employees, at local, regional, and international levels. Additionally, we run green initiatives dedicated to increasing awareness regarding environmental protection.
  • Over 45% of the bank's car fleet consists of electric vehicles.

We aim to minimize the potential negative impact that lending activities may generate on the environment, actively seeking collaboration with companies that contribute positively to environmental protection or that commit to improving their social and environmental performance. This commitment is reflected in rigorous assessment processes designed to ensure compatibility with our environmental objectives.

  • In our lending activity, we apply environmental risk management, which involves analyzing and monitoring economic operations from the perspective of potential environmental risks.
  • We integrate environmental criteria into the lending process to increase client awareness regarding the impact of their activities on the environment.

We support green investments across all operational fields, with a special focus on projects that contribute to improving energy efficiency and promoting energy from renewable sources.

Clients benefit from assistance in accessing financing for photovoltaic and wind initiatives, thus contributing to the transition toward a sustainable energy model.

ProCredit Bank is aware of the impact that financed projects can have on the environment and acts towards promoting sustainable economic development and the responsible use of natural resources. This approach has consolidated the bank's position as a reliable partner in financing projects dedicated to energy efficiency and environmental protection.

Starting in 2014, the bank developed its own methodology for analyzing, evaluating, and classifying financing intended for "green projects." This includes initiatives such as increasing energy efficiency, renewable energy production, and other measures with a positive environmental impact.

ProCredit Group is committed to maintaining high ethical and business standards regarding its economic, social, and environmental impact. For more details on the impact of ProCredit group's operations, please read the Impact Report.

Business ethics and environmental responsibility are essential pillars of our organizational culture. Through transparency, professionalism, and social commitment, ProCredit Bank promotes a sustainable business model, providing clients with secure and responsible financial solutions. We are dedicated to developing a sustainable economy by supporting green initiatives and applying the highest compliance standards. Thus, we strengthen the trust of our partners and actively contribute to a more prosperous and greener future.

GO DIGITAL WITH PROCREDIT BANK!  

Open a complete set of banking services 100% online, in just a few minutes – whether you are in the country or abroad.

The process is transparent and accessible, with no wasted time or trips to the bank. Choose the right card for your lifestyle directly from your smartphone or laptop – with no hidden costs and all the information you need. To become a client, access ProDigital HERE!


See the benefits of the Classic set
  • FREE monthly maintenance
  • 3 current accounts: MDL, USD, EUR – accessible with a single card
  • Visa Classic Card connected to all current accounts, with the main account in MDL
  • 3 savings accounts (Flex Save) – MDL, USD, EUR, with unlimited access and attractive interest rates
  • Pro Banking and Mobile Banking – 24/7 access to your accounts
  • Free SMS notifications
  • Free national payments
  • Google Pay and Apple Pay
  • 24/7 cash deposits at ProCredit Bank ATMs
  • Free cash withdrawals – first 3/month from any bank in Moldova
  • Price list

See the benefits of the Platinum set
  • Monthly maintenance: 100 MDL
  • 3 current accounts: MDL, USD, EUR – accessible with a single card
  • Visa Platinum Card connected to all current accounts, with the main account in MDL
  • 3 savings accounts (Flex Save) – MDL, USD, EUR, with unlimited access and attractive interest rates
  • Pro Banking and Mobile Banking – 24/7 access to your accounts
  • Free SMS notifications
  • Free national payments
  • Google Pay and Apple Pay
  • 24/7 cash deposits at ProCredit Bank ATMs
  • Free cash withdrawals – unlimited in Moldova
  • Lending services on advantageous terms
  • Access to airport lounges*
  • Travel insurance and international health insurance. Details.
  • Fast Track service. Details.
  • Cash Back from partners. Details.

*Mandatory conditions for access to Lounge Areas:

Starting from 01.04.2026, two entries per year to airport lounges will be allowed. For access to the Lounge Area, cumulative purchases, including online, of at least 9,000 MDL* made on the card within the last 30 + 5 days prior to the date of the lounge visit are required.

*The total value of payments to merchants must reach at least 9,000 MDL within the last 35 days (30 eligible days + 5 days with non-eligible transactions in processing). Cash withdrawals, transfers between cards/accounts, deposits, or other operations that do not represent payments to merchants are not taken into account.

Download the Visa Airport Companion app from App Store or Google Play and register your card. Or you can use the Visa Concierge chatbot to obtain the digital subscription. Details. 

 

ELIGIBILITY CONDITIONS

  • You are a citizen of the Republic of Moldova and at least 18 years old;
  • You hold a valid identity card/bulletin issued by the authorities of the Republic of Moldova;
  • You have a stable internet connection and a compatible device (computer, tablet, smartphone);
  • You do not use VPN or proxy services;

  • You are not a Politically Exposed Person (PEP) and you are not associated with a PEP;

    A Politically Exposed Person (PEP) is someone who holds or has held important public functions, such as ministers, parliamentarians, judges, or ambassadors within the last 12 months. PEP associates include family members and close relatives, according to art. 8¹, paragraph (4) of Law 308 from 22.12.2017.

  • You are not subject to FATCA regulations;

    FATCA (Foreign Account Tax Compliance Act) is a US law that helps prevent tax evasion. You are subject to FATCA if you are a US citizen or have tax obligations in the US.

  • You are not a fiduciary administrator;

    Fiduciary administrator – a person who receives assets from another person (founder) and manages them in the interest of the founder.

  • You are not already a client of ProCredit Bank.
  • To open a ProDigital account, you must have a phone number issued in one of the 43 eligible countries. See the list HERE.
MIA INSTANT PAYMENTS – FREE AND FAST TRANSFERS THROUGH PROCREDIT BANK MOBILE BANKING
  • Simplicity and accessibility – send or request money using only the beneficiary’s or sender’s phone number.
  • High flexibility – make instant payments by scanning a QR code or by opening a dedicated link directly from the mobile app.
  • Security and transparency – receive push notifications for every transaction, ensuring constant control over your operations.

ProCredit Bank Moldova presents the new MIA Instant Payments service — an innovative solution for individuals, enabling free, fast and secure transfers in Moldovan lei, at any time, both nationwide and between ProCredit Bank Moldova accounts, directly from the Bank’s Mobile Banking app.

To use MIA, you simply need to enable the option in the Mobile Banking app, and then access the special menu in Mobile Banking, where you choose the desired operation:

MIA step 1 MIA step 2 MIA QR Code

Instant Transfer (P2P): Send money quickly and effortlessly by selecting the beneficiary’s phone number and the transfer amount.

P2P Transfer Limits
Limit per transaction 5 000 MDL
Daily limit 25 000 MDL
Monthly limit 30 000 MDL
Minimum amount per transfer 1 MDL

Request to Pay (RTP): Initiate or accept instant transfers by entering the sender’s phone number. Maximum number of initiated requests per day: 10.

With MIA, making online transactions is now even easier!

Simply scan a QR code directly from the ProCredit Bank Moldova mobile app or access a dedicated link and make instant payments – simple, fast, and secure!

Discover the new options directly in the app and fully benefit from cashless transactions.

Request transfers via QR code directly from the app

Follow the instructions below for one of the two options to request a MIA transfer through the ProCredit Bank Moldova mobile app:

  • Via static QR code – with this option, the sender can transfer any amount within the transaction limits.
  • Via dynamic QR code (with details) – with this option, a fixed amount can be requested from the sender, within the transaction limits.
MIA QR Step 1 MIA QR Step 2 MIA QR Step 3

With MIA, making online transactions is now even easier!
Simply scan a QR code directly from the ProCredit Bank Moldova mobile app or access a dedicated link and make instant payments – simple, fast, and secure!

Online Payment Limits (QR / Link)
Limit per transaction 5 000 MDL
Daily limit 25 000 MDL
Monthly limit 30 000 MDL
Minimum amount per transfer 1 MDL

Discover the new options directly in the app and fully benefit from cashless transactions. Additionally, from the static QR code page, you can copy or share the automatically generated link, which can be sent to the sender via email or a messaging app. In this case as well, any amount can be sent, within the available transaction limits.

ATTENTION: To use the new MIA options, you need to update the ProCredit Bank Moldova mobile app from Google Play or the App Store.

You don’t need to worry about your transactions. You will receive push notifications on your mobile phone for each of them, directly in the ProCredit Bank Mobile Banking app. With MIA Instant Payments, your transfers are faster and easier than ever, for efficient and secure banking!

For more details about using MIA through the ProCredit Bank Mobile Banking app, access the User Guide available HERE.

Download the Mobile Banking app

Download on App Store Download on Google Play

Would you like to find out more information?

Fill in the form and a bank specialist will contact you as soon as possible.

By checking the box and clicking the Submit button, I hereby expressly agree to the processing of the data entered on this page and confirm that I have read and accept the ProCredit Bank Privacy Policy. 

 

ProCredit Bank is not liable for incorrectly entered data in the form.

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Do you have a question?


Call: 0800 000 10

For international calls:
+373 22 27 07 07

 

mda.office@procredit-group.com
 

Working hours:

Monday-Friday: 08:00-18:00  
Saturday, Sunday and public holidays: 09:00-18:00

SAVE FOR THE THINGS THAT REALLY MATTER!
  • Term deposit in EUR, MDL, and USD, can be opened for a period ranging from 6 to 36 months.
  • FIXED INTEREST RATE for the entire deposit period, paid monthly to the current account linked to the card.
  • Guaranteed profit of up to 3.00% EUR and 7.00% MDL for deposits opened online.

ProClassic Offer

Annual interest rate for online deposits

Currency
6 months
12 months
25 months
36 months
MDL (min. amount 20,000)
  • 6 months: 5.75%
  • 12 months: 6.25%
  • 25 months: 7.00%
  • 36 months: 6.50%
EUR (min. amount 1,000)
  • 6 months: 1.50%
  • 12 months: 2.00%
  • 25 months: 2.50%
  • 36 months: 3.00%
USD (min. amount 1,000)
  • 6 months: 1.00%
  • 12 months: 2.00%
  • 25 months: 2.50%
  • 36 months: 2.50%

Annual interest rate for deposits opened at the counter

Currency
6 months
12 months
25 months
36 months
MDL (min. amount 20,000)
  • 6 months: 5.50%
  • 12 months: 6.00%
  • 25 months: 6.75%
  • 36 months: 6.25%
EUR (min. amount 1,000)
  • 6 months: 1.25%
  • 12 months: 1.75%
  • 25 months: 2.25%
  • 36 months: 2.75%
USD (min. amount 1,000)
  • 6 months: 0.75%
  • 12 months: 1.75%
  • 25 months: 2.25%
  • 36 months: 2.25%

Deposit Calculator

ProClassic Advantages

Automatic renewal upon expiration, for the same period.

Secure investments with a trusted bank.

Guaranteed profit with a fixed interest rate for the entire deposit period.

With the ProClassic deposit, you can be confident that you are making a profitable long-term investment of up to 36 months, in EUR, MDL, or USD.

And for flexible savings, allowing you to deposit and withdraw whenever you want, choose FlexSave!

FGDSB
 

Deposits of individuals and legal entities are guaranteed up to the coverage level of 200,000 Moldovan lei. For more details, we invite you to access the FGDSB brochure .

Would you like to find out more information?

Fill in the form and a bank specialist will contact you as soon as possible.

By checking the box and clicking the Submit button, I hereby expressly agree to the processing of the data entered on this page and confirm that I have read and accept the ProCredit Bank Privacy Policy. 

 

ProCredit Bank is not liable for incorrectly entered data in the form.

CAPTCHA

Do you have a question?


Call: 0800 000 10

For international calls:
+373 22 27 07 07

 

mda.office@procredit-group.com
 

Working hours:

Monday-Friday: 08:00-18:00  
Saturday, Sunday and public holidays: 09:00-18:00

WHY CHOOSE AN ELECTRIC CAR?
  • Long-term savings – with an electric car, you save money on fuel and maintenance.
  • You protect the environment – electric cars reduce carbon emissions, contributing to a cleaner future.
  • Less noise – the electric motor is almost silent, giving you a quiet ride.

Our credit offer

  • Floating annual percentage rate

    9.00% - MDL (IRCC MDL + bank margin)

  • Duration

    Up to 60 months

  • Currency

    MDL

  • DAE*

    9.37% - MDL

* The Annual Percentage Rate (DAE) is 9.37% and was calculated based on a loan amount of 600.000 MDL for a term of 60 months. With an interest rate of 9.00%, the monthly payment is 12.455,01 MDL, and the total payable amount (the loan amount including all related costs) is 747.300,79 MDL.   

       
Offer valid until 19.06.2026

 

THE CLIENT IS RESPONSIBLE FOR REPAYING THE LOAN ON TIME AND IN FULL!

 

Interest rates can be viewed in the section Information Disclosure   

Fees
Issuance fee FREE
Application review fee FREE
Early closure fee FREE

Credit calculator

Choose the type, currency, amount and term of credit

MDL
months
787 135 MDL
9.00%
9.37%
25 391 MDL
700 000 MDL
floating

The calculation is approximate, based on the number of days in the calendar month and the average interest rate. You can obtain details about the criteria for increasing or decreasing the rate from a Bank consultant.

Loan conditions

You are a citizen of the Republic of Moldova, aged between 21 and 65 years (as of the date of the final loan maturity).

You receive income from self‑employed activities or dividends.

You are employed, with at least 6 months of continuous work experience.

Would you like to find out more information?

Fill in the form and a bank specialist will contact you as soon as possible.

By checking the box and clicking the Submit button, I hereby expressly agree to the processing of the data entered on this page and confirm that I have read and accept the ProCredit Bank Privacy Policy. 

 

ProCredit Bank is not liable for incorrectly entered data in the form.

CAPTCHA

Do you have a question?


Call: 0800 000 10

For international calls:
+373 22 27 07 07

 

mda.office@procredit-group.com
 

Working hours:

Monday-Friday: 08:00-18:00  
Saturday, Sunday and public holidays: 09:00-18:00

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