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.
TIPS FOR SECURE ONLINE BANKING
Any organization or individual can become a target for cybercriminals. They are becoming increasingly skilled at tricking you into clicking suspicious links, downloading dangerous files, or logging into compromised social networks. Apply simple measures to protect your online banking information and avoid common cyberattacks.
STRONG PASSWORD
Preventing identity theft is essential. For this reason, it is recommended to use strong and unique passwords.
- Choose passwords that cannot be guessed easily. Avoid family names, birth dates, nicknames, and do not use the same password for multiple websites.
- Do not write down or publish your user IDs, passwords, or sensitive information anywhere.
- Change your passwords periodically and do not share them with anyone — not even with family members.
KEEP YOUR DEVICE SAFE AND SOFTWARE UPDATED
- Use antivirus and anti-malware programs and keep them updated.
- Regularly update your operating system and the applications on your device.
- Scan any software you download before installing it.
- Do not disable security controls on your phone — it may expose your device to risks.
SOCIAL ENGINEERING ATTACKS AND PREVENTION
Social engineering attacks attempt to trick you into revealing sensitive information or performing actions that can lead to fraud.
- If you have doubts about the authenticity of an email, message, or call that appears to be from ProCredit Bank, report it immediately: 0800 000 10, +373 22 27 07 07 or mda.pcb.antifraud@procredit-group.com.
- Be careful with downloaded files — they may look harmless, but some may be malicious.
STAY ALERT!
- Protect your phone or tablet with a password, fingerprint, or facial recognition.
- Regularly check your account activity and immediately report any suspicion.
- Avoid public Wi‑Fi networks for online banking and sending sensitive information.
- Regularly clear your browser cache after online banking sessions.
- Access ProBanking only by manually entering the official address — do not use links from emails.
- Keep your PINs and passwords safe and never share them with anyone.
- Beware of emails promising easy money — if it sounds too good to be true, it probably is.
- Ensure that antivirus, firewall, and automatic updates are enabled, and avoid using unknown computers.
ADDITIONAL PROACTIVE MEASURES
- Install apps only from official stores such as Apple App Store or Google Play Store.
- Always follow the terms and conditions of your bank.
- Be cautious of suspicious pop‑ups during online banking and contact the bank if you have doubts.
- Do not leave your computer unattended when logged into Internet Banking, and always log out properly when finished.
For more information about cybersecurity:
MAXIMUM SECURITY - QUALITY BANKING!
Here you can learn more about how our technology and digital applications ensure the security of banking transactions, how you can control your operations, and how to stay protected against potential risks. We also provide recommendations to help you enjoy safe banking and protect your personal information.
INFRASTRUCTURE
We use the latest technologies to detect and prevent cyber intrusions, for example:
- We implement controls that prevent unauthorized access by individuals or networks (Firewalls, intrusion prevention systems, data encryption, etc.)
- We protect the connection between your device and our applications through Secure Socket Layer (SSL) encryption, for example when you log in, fill out a form, or register for online services.
PROBANKING / MOBILE BANKING
- You authorize transactions and payments through Multi‑Factor Authentication.
- Your online banking session disconnects automatically after 10 minutes of inactivity to prevent unauthorized access.
- Secure access to the mobile version of e‑Banking through biometrics or password.
- We constantly monitor for possible online fraud.
- Mobile applications are developed using the most advanced security technologies.
DEBIT CARDS
- You can manage card limits and card status yourself through our digital channels.
- Cards comply with the latest security standards, such as 3‑D Secure.
- You receive an SMS message for every online transaction made with your card.
- We perform online monitoring to prevent potential fraud.
PLEASE KEEP IN MIND
- Keep your contact details up to date so we can reach you quickly if needed.
- Report immediately if you lose your card or phone, or if they have been stolen.
MAXIMUM SECURITY - QUALITY BANKING!
Here you can learn more about how our technology and digital applications ensure the security of banking transactions, how you can control your operations, and how to stay protected against potential risks. We also provide recommendations to help you enjoy safe banking and protect your personal information.
Online security is a priority for ProCredit Bank. We invest in advanced technologies and apply strict technical controls to protect your banking information. In addition, we offer useful tips and information to help you stay safe.
✅ How does ProCredit Bank protect your data?
We apply advanced technical and organizational measures to ensure a high level of cybersecurity. We continuously invest in modern systems to prevent attacks and unauthorized access to customer data.
🛡️ How can you protect yourself when accessing online banking services?
Although we ensure that our systems are secure, we recommend that you:
- Do not share your personal or banking information
- Use strong, unique passwords for each account
- Enable two‑factor authentication
- Regularly update your apps and operating system
🚨 Report fraud
If you suspect suspicious activity or believe that your data has been compromised:
- Write to us immediately at: mda.pcb.antifraud@procredit-group.com
- Call: 0800 000 10 or +373 22 270 707 for international calls
- Do not ignore any signs of unusual activity
Unsure about a message, email, or call? Report it immediately to the same email address.
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
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.
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
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:
- Choose the products and proceed to checkout
- Enter your card details
- Choose the channel for receiving the password (SMS or email)
- Receive the 6‑digit code
- 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
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)
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.
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.
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? 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
- 1Submit your refinancing application to ProCredit Bank.
- 2Once the loan is approved, choose a notary from the bank’s network of partner notaries.
- 3The transaction is completed, and the new mortgage is registered with ProCredit Bank.
- 4The bank pays the eligible notary costs, state fee, and cadastral service fees directly to the service providers.
- 5You benefit from refinancing without bearing these costs.
Our credit offer
-
Floating annual percentage rate
12.00% - MDL (IRCC MDL + bank margin)
-
Duration
Up to 360 months
-
Currency
MDL
-
DAE*
12.67% - MDL
* The annual percentage rate (DAE) is 12.67% 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 12.00%, the monthly payment amounts to 22.022,00 MDL, and the total amount payable (loan amount, including all related costs) is 5.285.213,00 MDL.
Offer valid until 19.12.2026
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
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.
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