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STRONG CUSTOMER AUTHENTICATION – SAFER PAYMENTS, MORE SECURE ACCESS!

ProCredit Bank is implementing Strong Customer Authentication (SCA) for card payments and access to ProBanking. This measure enhances security and helps prevent online fraud.

Strong Customer Authentication (SCA)

📝 When is Strong Authentication applied?
  • Card payments at POS terminals in the Republic of Moldova
  • Online card transactions (e‑commerce)
  • Login and operations in ProBanking / Mobile Banking
⚙️ How does Strong Authentication work?
  • Something you are – biometric identification (fingerprint, facial recognition)
  • Something you have – a mobile device or another authentication tool
  • Something you know – card PIN, a static password* or your phone unlock method

*What is the static password made of?
The static password consists of the last 5 digits of the card number and the last 4 digits of the IDNP.

💳 What changes for card payments?

Contactless transactions at POS terminals:

  • Payments under 1,000 MDL require PIN if:
    • The cumulative value of contactless transactions without PIN exceeds 3,000 MDL
    • More than 5 consecutive transactions were made without PIN
  • Exception: Payments via Apple Pay and Google Pay do not require PIN
  • Payments over 1,000 MDL — PIN entry is mandatory

Online transactions (e‑commerce):

  • Online payments under 600 MDL require a static password if:
    • The cumulative value of password‑free transactions exceeds 2,000 MDL
    • More than 5 consecutive transactions were made without a password
  • Exception: Online payments via Apple Pay and Google Pay do not require the static password
  • Payments over 600 MDL — the static password is mandatory

Note: Dynamic password authentication (SMS TAN) within 3D Secure remains mandatory for all online payments.

❗ Changes in ProBanking / Mobile Banking

Starting February 1, 2025, login and certain operations in ProBanking require additional authentication.

✅ Recommendations
  • Enroll your card in Apple Pay, Google Pay, or other eligible digital wallets
  • Remember your card PIN and static password
  • Make sure you have the latest version of the ProCredit Mobile Banking app installed

ATTENTION: The inactivity session timeout in ProBanking and Mobile Banking is 5 minutes!

📃 Legal basis

The implementation of Strong Customer Authentication is carried out in accordance with Regulation No. 12 of 11.01.2024 issued by the National Bank of Moldova, which can be consulted HERE.

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

ADVANCED PROTECTION WITH 3D SECURE

Using 3D Secure provides an additional layer of protection for your online transactions by securely authenticating each card payment. This system reduces the risk of fraud and gives you confidence that your financial data is protected at every moment during your online shopping.

Frequently Asked Questions

Online card payments through the 3D Secure service can be made:

  • only at merchants displaying the “VISA Secure” logo;
  • only if you have a valid mobile phone number or email address registered with the bank.

The main advantages of 3D Secure are:

  • One-time password received via SMS/email
  • Automatic activation at the first payment
  • No additional apps required
  • Secure data transfer
  • Only you can authorize the payment
  • Maximum protection against fraud

The steps are simple:

  1. Choose the products and proceed to checkout
  2. Enter your card details
  3. Choose the channel for receiving the password (SMS or email)
  4. Receive the 6‑digit code
  5. Enter the code and confirm the payment

Note: For payments made from abroad, activate roaming or check your registered email address.

Always check:

  • The address starts with https://
  • The password window displays the Bank’s and Visa’s logos

Contact: 0800 000 10 or +373 22 27 07 07

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

SAFE CARD BLOCKING AND UNBLOCKING – 24/7 

Manage your card quickly and securely – learn how you can block or unblock a card online, in just a few simple steps, directly from Mobile Banking or Internet Banking, without needing to visit the bank.

💳📱 Blocking and unblocking your card via Mobile Banking (available 24/7)

🔒  Block card
  • From the main screen of the app, you can block your card in two ways:
  • Tap Block the card, select the desired card and confirm the action by tapping Block again.
  • Select a card from the quick section (e.g. 1 related card), then tap Block and confirm the action.
  • Alternatively, go to the Accounts and cards menu, access the Cards section, select the desired card and tap Block.
  • The card will be blocked instantly.
🔓  Unblock card
  • From the main screen of the app, select the blocked linked card, then tap Unblock.
  • From the Accounts and cards menu, access the Cards section.
  • Select the blocked card, then tap Unblock.
  • The card will be unblocked instantly.

IMPORTANT: The card can only be unblocked using biometrics or a security code. Unblocking is available only for cards temporarily blocked from the app.

💳💻 Card blocking and unblocking via ProBanking (available 24/7)

 🔒  Block card
  • Open ProBanking.
  • Go to: Menu → Accounts → Account Details → Card Details.
  • Tap the red lock next to the desired card.
  • Choose the type of block: Temporary or Permanent.
  • Tap Block Card.
 🔓  Unblock card
  • Open ProBanking.
  • Go to: Menu → Accounts → Account Details → Card Details.
  • Tap the white lock next to the blocked card.
  • Tap Unblock Card.
  • For individuals: open the ProCredit Bank Moldova mobile app and confirm the unblocking.
  • For legal entities: enter the requested confirmation method.

Note: You can only unblock cards that you temporarily blocked yourself. Cards blocked permanently or by the bank require contacting the bank.

When you CANNOT unblock your card yourself – call the Contact Center immediately!

  • Incorrect PIN entered 3 times → card automatically blocked
  • Suspicious transactions detected → security block by the bank
  • Block previously requested by you via call center or branch → unblocking can only be done by an operator

Essential security measures

ProCredit Bank places the highest priority on the security of its customers, both online and offline. In the context of the increasing number of phishing attacks targeting bank customers, we remind you of several essential precautionary measures:

  • To access the ProBanking online service, manually enter the bank's website in your browser: www.procreditbank.md, then click the ProBanking button or type directly eba.procreditbank.md.
  • For faster access, you can save this page in your browser’s “Favorites” section.
  • Avoid messages from suspicious sources that prompt you to access eba.procreditbank.md or procreditbank.md. These may contain unusual offers, prizes, or urgent requests to update your personal data.
  • For safety, access the official page www.procreditbank.md only from emails sent directly by ProCredit Bank Moldova. The bank NEVER sends links via SMS!
  • The ProCredit Bank Moldova mobile app can be downloaded free of charge only from Google Play (for Android) or App Store (for iOS).


We are continuously committed to the security of your data. If you suspect a phishing attempt or any other fraudulent activity, contact the ProCredit Bank Moldova Contact Center immediately:

Working hours: Monday – Friday, 08:00 – 18:00, Saturday, Sunday and public holidays: 09:00 – 18:00
Phone numbers: 0800 000 10 (for national calls) or +373 22 27 07 07 (for international calls)

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

Enhanced security

Google Pay payments are protected by tokenization — your card details are never shared with the merchant. Instead of real data, a unique secure token is used, ensuring every transaction is safe.

Flexibility

Adding the card to Google Wallet gives you greater control over your budget. You can access transaction history, set spending limits, and receive real-time alerts for more efficient money management.

Contactless payments

Add your Visa card to Google Wallet and pay easily without a physical card. Use your phone for shopping, online payments, bills, or transfers—everything fast and easy, directly from your screen.

How to add a card to Google Pay from the ProCredit Bank app

📋 See the instructions
  • Open the ProCredit Bank mobile app
  • From the Cards menu, select the card you want to add
  • Tap the Add to Google Pay option
  • Follow the on‑screen instructions to complete the process

Frequently Asked Questions

🛡️  How secure is Google Pay?
Your card details are not shared with the merchant. Google Pay uses a unique secure code (token) linked to your card, so payments are processed without revealing any confidential information.
💳  Which ProCredit Bank cards can be added to Google Wallet?
Any Visa card issued by ProCredit Bank can be added to the digital wallet.
💶  How much does it cost?
Google Pay is free! You only need a Visa card from ProCredit Bank and a compatible device.
📲  Which devices are compatible with Google Pay?
You can add your ProCredit Bank cards to any smartphone, smartwatch, or tablet with Android 5.2 or later, NFC technology, and access to Google services.
⚠️  What should I do if I lose my phone?
If you lose your phone, go to Android Device Manager to lock it or erase the data remotely. We also recommend calling the Contact Center at 0800 000 10 or +373 22 270 707 for assistance.

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

Simple payments with Apple Pay

Apple Pay is easy to use and compatible with your everyday devices. With the NFC technology built into your iPhone, you make contactless payments quickly, enjoying all the advantages of your ProCredit Bank card.

Security and privacy

Apple Pay uses a device-specific number and a unique code for each transaction to protect your card information. This data is not stored on the device. You can pay quickly using Face ID or Touch ID.

Quick access to transactions

With Apple Pay, you can instantly view details of your last 10 transactions directly in your wallet. This gives you transparency over your spending and helps you track your payment history.

How to add a card to Apple Pay from the ProCredit Bank app

📋 View instructions
  • Open the ProCredit Bank mobile app
  • From the Cards menu, select the card you want to add
  • Tap the Add to Apple Pay option
  • Follow the on-screen instructions to complete the process

Frequently asked questions

✅  How can I pay with Apple Pay?
It is simple and fast. Double-click the button on the right side of your Apple device or the Home button, authenticate with Touch ID, Face ID or passcode, then hold the device (iPhone or Apple Watch) near the POS terminal.
🛒  Where can I use Apple Pay?
Apple Pay can be used in stores that accept contactless payments, in compatible mobile apps and online, using Safari on iPhone, iPad or Mac. You select Apple Pay as the payment method and confirm the transaction via Face ID, Touch ID or passcode.
🛡️  Is paying with Apple Pay secure?
Transactions are secured through biometric data (Face ID, Touch ID or passcode). Instead of the real card number, a unique code (Token) is used, and card information is not stored on the device or on Apple servers.
➕  Can the same card be added to multiple devices?
Yes, you can add the same Visa card to Apple Wallet on multiple compatible devices.
💳  How many cards can be included in Apple Wallet on the same device?
On newer devices, you can add up to 12 cards, while older models, such as iPhone X, allow enrollment of up to 8 cards.

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

THE SHORTEST PATH TO YOUR HOME!

 

  • Fast approval process – minimum required documents and simplified procedures to save time and facilitate your access to financing.
  • Loans in different currencies – choose from MDL, EUR, or USD for maximum financial flexibility.
  • The possibility to refinance the current loan under favorable conditions and with ZERO notary fees (details below).

Transfer your mortgage loan to ProCredit Bank with ZERO notary costs

Do you have a mortgage loan with another bank or financial institution? Between 02.09.2026 and 20.10.2026, refinance it with ProCredit Bank and benefit from zero notary costs.

Costs covered:
✓ Notary services
✓ State fee
✓ Cadastral and registration services

Who can benefit

  • You have a mortgage loan granted by another bank or financial institution.
  • You apply to refinance it with ProCredit Bank during the campaign period.
  • The loan being refinanced was originally used to purchase residential property.
  • You are not represented by a real estate broker.

How the process works

  1. 1Submit your refinancing application to ProCredit Bank.
  2. 2Once the loan is approved, choose a notary from the bank’s network of partner notaries.
  3. 3The transaction is completed, and the new mortgage is registered with ProCredit Bank.
  4. 4The bank pays the eligible notary costs, state fee, and cadastral service fees directly to the service providers.
  5. 5You benefit from refinancing without bearing these costs.

Our credit offer

  • Floating annual percentage rate

    8.75% - MDL (IRCC MDL + bank margin)

  • Duration

    Up to 360 months

  • Currency

    MDL

  • DAE*

    9.10% - MDL

* The annual percentage rate (DAE) is 9.10% and was calculated based on a loan amount of 2.000.000,00 MDL for a term of 240 months. With an interest rate of 8.75%, the monthly payment amounts to 17.674,21 MDL, and the total amount payable (loan amount, including all related costs) is 4.241.811,40 MDL.


Offer valid until 19.10.2026

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

Interest rates can be viewed in the section Information Disclosure 

Credit calculator

Choose the type, currency, amount and term of credit

MDL
months
9 570 205 MDL
9.50%
9.92%
51 453 MDL
5 000 001 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.

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

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

FINANCE YOUR IDEAS - EASIER THAN YOU THINK!
  • Up to 400.000 MDL without collateral - get a convenient loan for the fast financing of your personal needs.
  • The possibility to refinance other loans under advantageous conditions - reduce your interest rate and simplify loan management.
  • Early loan repayment with no commission - close your loan faster, without worries or extra costs.

Our credit offer

  • Floating annual percentage rate

    10.50% - MDL (IRCC MDL + bank margin)

  • Duration

    Up to 60 months

  • Currency

    MDL

  • DAE*

    11.01%

* The Annual Percentage Rate (DAE) is 11.01% and was calculated based on a loan amount of 400.000 MDL for a term of 60 months. With an interest rate of 10.50%, the monthly payment is 8.598,00 MDL, and the total payable amount (the loan amount including all related costs) is 515.854,53 MDL.   

       
Offer valid until 19.10.2026

 

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
229 219 MDL
10.50%
11.02%
7 394 MDL
200 001 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

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!

List of countries eligible for registration in ProDigital
  • Albania
  • Armenia
  • Australia
  • Austria
  • Belgium
  • Bosnia and Herzegovina
  • Canada
  • Czech Republic
  • Denmark
  • Estonia
  • Finland
  • France
  • Georgia
  • Germany
  • Greece
  • Hungary
  • Iceland
  • Ireland
  • Israel
  • Italy
  • Japan
  • South Korea
  • Kosovo
  • Latvia
  • Lithuania
  • Luxembourg
  • Republic of Moldova
  • Montenegro
  • Netherlands
  • North Macedonia
  • Norway
  • Poland
  • Portugal
  • Romania
  • San Marino
  • Serbia
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Ukraine
  • United Kingdom of Great Britain and Northern Ireland
  • United States of America

Travel without worries with ProCredit Bank and the Visa Platinum card, because in partnership with SAR Moldcargo SA, we offer you optional health insurance tailored to the needs of you and your family.

 

Every Visa Platinum cardholder issued by ProCredit Bank, together with their family members*, benefits from an optional health insurance program during travel outside the Republic of Moldova, in accordance with the Insurance Conditions, which cover essential costs and guarantee support in case of health emergencies.

*Family members - persons who travel outside the Republic of Moldova together with the cardholder (husband, wife, children, dependent children, stepchildren, legally adopted children of the cardholder), who are unmarried, who live with the cardholder or live at another address during full-time studies and who travel with the cardholder, aged under 21 (or 24 if full-time students).

Covered Risks:

  • Sudden, acute illnesses
  • Accidents resulting in the Insured’s death or bodily injuries requiring medical care

Based on the optional health insurance for the travel period, the insured individuals include Visa Platinum cardholders issued by ProCredit Bank and the beneficiaries listed in the insurance beneficiaries list (family members).

How you can request the optional health insurance for international travel:

Submit the optional health insurance application for the Visa Platinum cardholder for the travel period, including family members upon their request, through the following channels:

  • In paper form, at the Central Office (Chișinău, bd. Ștefan cel Mare și Sfânt 65, office 901), with prior appointment, at phone number 0800 000 10
  • In paper form, at ProCredit Bank Moldova branches (see addresses), with prior appointment, at phone number 0800 000 10
  • Online, download the application HERE. After completing and electronically signing it, submit the application to mda.asig@procredit-group.com

The optional health insurance is valid for 90 cumulative days within a 365-calendar-day period in the territory of the European Union, CIS states, Turkey and Georgia. Starting from the 91st day of travel, the optional health insurance is no longer valid.

IMPORTANT:

To benefit from the optional health insurance, the Visa Platinum cardholder issued by ProCredit Bank must make travel payments exclusively with this card, for example: purchasing plane/train/bus tickets or ferry tickets crossing international borders (which demonstrate clear travel plans), buying a vignette, confirming reservations at hotels/rented apartments through Booking.com/Airbnb.com or similar platforms for accommodation abroad, paying for tourist visas or consular fees, renting cars etc.

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