MIA INSTANT B2B PAYMENTS AT PROCREDIT BANK!

 

MIA Instant B2B Payments enables companies to make and receive instant payments in MDL between accounts opened with different banks participating in the national instant payments system.

 

Business clients of ProCredit Bank holding an MDL account can send and receive payments within seconds, at any time and on any day, to and from clients of other banking and non-banking financial institutions in the Republic of Moldova, using only the beneficiary’s IBAN.

 

Transfers are simple, fast, and secure, and the solution supports the daily financial flows of businesses without delays or complicated procedures.

Why choose MIA Instant B2B Payments through ProCredit Bank?

With MIA Instant B2B Payments, transactions are completed within seconds, and funds reach the beneficiary immediately. The service is available 24/7, so you can make transactions whenever you need.

You initiate the transaction easily using the IBAN code directly in ProBanking Business. Partners see the amounts instantly in their accounts, enabling faster confirmations.

You benefit from a fixed transaction fee: 0.7% of the payment amount, but no more than 40 MDL. This keeps costs under control.

MIA B2B Usage Steps
 

1.
Log in to ProBanking.
2.
Select the National Payments menu.
3.
Enter the beneficiary’s IBAN code.
4.
Enter the amount and payment purpose.
5.
Select the payment type - Instant payment.
6.
Sign electronically.
These are the simple steps that will ensure the money reaches the recipient’s account instantly.
Amount and commission
Limits
Maximum transaction amount
500,000 MDL
Processing fee
0.7% (max. 40 MDL)
START FREE, WORK FREE!
 

In freelancing, delays mean postponed projects and lost opportunities. That is why ProCredit Bank offers you ProStart — a banking solution that can be accessed remotely, simply and efficiently, so you can focus on what truly matters: your work. See below the advantages you get.

Choose ProStart from ProCredit Bank!

Registration fee compensation
The bank covers the cost of the Extract from the State Register of Legal Entities (RSUD), issued by the Public Services Agency, of 110 MDL.

Free service package
Opening and maintenance of the package are free until 31.12.2026.

Visa Business Platinum Card
Free issuance of a Visa Business Platinum card in MDL, for fast and secure transactions.

Multi-currency savings account
You can open a savings account in MDL, EUR or USD, to manage your financial reserves more efficiently.

E-banking for quick access to funds
Managing banking operations online, from anywhere, without going to the bank.

Free domestic payments
Making domestic payments in normal regime at no additional cost.

Reduced fees for cash withdrawals with the card
Cash withdrawals at PCB ATMs with a favorable fee of only 0.25%.

Advantageous discounts from Visa Business
Access the dedicated Visa page.

Fast payments with Apple Pay and Google Pay
Pay simply and securely with your smartphone or smartwatch iOS or Android.

How to access the ProStart package?
 

1.
Register your independent activity
2.
Contact ProCredit Bank by filling in the form below or by calling 0800 000 10 (Monday - Friday 08:00 - 18:00, excluding public holidays)
3.
Open a dedicated account at ProCredit Bank
See the offer rules HERE

Frequently asked questions

A freelancer (independent entrepreneur) is a natural person who carries out economic activities on their own, without hiring other people. They can provide services or produce goods legally, in an organized and independent manner, without creating a company (LLC).

The following can be registered as independent entrepreneurs:

Individuals residing in the Republic of Moldova;
Persons who have reached the age of 18;
Persons who do not have employees;
Those who earn an annual income of up to 1.2 million MDL;
Those who operate in fields permitted by current legislation.

Starting January 1, 2026, the activity of independent workers (freelancers) is regulated by the “Freelancer Law.”

Registration can be done online via the Public Services Portal, the EVO App, or ASP.

The steps include completing the online application, signing digitally, and obtaining the IDNO code within 24 hours.

Online registration application with electronic signature;
Valid identity document;
Additional documents for regulated fields.

The tax regime is simplified:

15% single tax on income up to 1.2 million MDL;
35% for income exceeding this threshold;
Social and medical contributions are included in the single payment.

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

WELCOME TO PROCREDIT BANK!
 

Become a ProCredit Bank client easily and comfortably. Open an account online via the ProDigital platform and enjoy benefits from day one – simple, fast, and without visiting a branch. Take the first step today towards smarter banking!

  • 100 MDL Welcome Bonus

    You receive a one-time bonus when you become a client online via the ProDigital platform by opening a Visa card.

  • 200 MDL Bonus for big plans

    You receive a one-time bonus when you open a ProClassic Deposit, apply for a Mortgage Loan, or a Personal Loan.

  • 100 MDL Monthly Bonus for purchases

    Make Visa card payments to merchants (online or in-store) of at least 4,000 MDL per month and receive a bonus every month.

Get your Welcome Bonus from ProCredit Bank!

Become a client via the ProDigital platform and receive a welcome bonus of up to 400 MDL + 100 MDL monthly*

How can you benefit from the offer?

1 Open an account 100% online via the ProDigital platform by 31.12.2026.
2 Receive your bonus by the 15th of the following month.
3 Use the bank’s services in accordance with the campaign regulations and receive the remaining bonuses in your ProCredit Bank account.

Simple, Fast and 100% Digital!

OPEN AN ONLINE ACCOUNT NOW! 

Who is eligible? Resident individuals who have not held products with the Bank in the last 6 months.

Bonuses are transferred monthly, by the 15th of the following month. *For full details, please consult the Сampaign regulations. 

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

VISA BUSINESS FROM PROCREDIT BANK - SECURITY FOR YOUR TRANSACTIONS!

 

For us, the security and efficiency of business transactions is a priority, which is why we offer you a card that meets the basic requirements of your business needs and is with you both in the country and abroad.

Accessibility and security

  • Access to funds 24/7 anywhere in the country and abroad

  • Secure online transactions through the Verified by VISA service

  • Possibility to add the card to Apple Pay and Google Pay digital wallets

  • High security thanks to the built-in microprocessor

  • Card made from recycled plastic, making it more eco-friendly

Modern technologies for secure transactions anywhere in the world and 24/7 access to funds, all in a single card.

DISCOVER ALL THE BENEFITS OF A CARD DESIGNED SPECIFICALLY FOR BUSINESS - THE FULL RANGE OF SERVICES AT YOUR DISPOSAL 24/7, IN THE COUNTRY AND ABROAD.

Flexibility in managing funds

  • Tracking business transactions

  • Automatic currency conversion for payments made abroad

  • Possibility to attach multiple accounts to a single card

  • Managing funds from the current account, within the available balance, both through contactless technology at POS terminals and through direct contact

Flexibility for easy management of funds and expenses, with adaptable options for national and international payments.

DISCOVER ALL THE BENEFITS OF A CARD DESIGNED SPECIFICALLY FOR BUSINESS - THE FULL RANGE OF SERVICES AT YOUR DISPOSAL 24/7, IN THE COUNTRY AND ABROAD.

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

A TRUSTED PARTNER FOR YOUR BUSINESS!

 

Choose the Visa Business card from ProCredit Bank - a secure and efficient solution for your business transactions. We offer you mobility and 24/7 access to your funds, in line with the highest banking security standards.

Accessibility and security

  • Access to funds 24/7 anywhere in the country and abroad

  • Secure online transactions through the Verified by VISA Business service

  • Possibility to add the card to Apple Pay and Google Pay digital wallets

  • High security thanks to the built-in microprocessor

Modern technologies for secure transactions anywhere in the world and 24/7 access to funds, all in one card.

DISCOVER ALL THE BENEFITS OF A CARD DESIGNED SPECIFICALLY FOR BUSINESS - THE FULL RANGE OF SERVICES AT YOUR DISPOSAL 24/7, IN THE COUNTRY AND ABROAD.

Flexibility in managing funds

  • Tracking business transactions

  • Automatic currency conversion into the local currency for payments made abroad

  • Possibility to link multiple accounts to a single card

  • Managing funds from the current account within the available balance, both via contactless technology at POS terminals and through direct card contact

Easy management of funds and expenses, with flexible options for domestic and international payments.

YOUR VISA PLATINUM BUSINESS CARD FROM PROCREDIT BANK - PREMIUM BANKING, A SEAMLESS EXPERIENCE - ANYWHERE IN THE WORLD!

Exclusive benefits

  • Unlimited Fast Track in international airports

  • Free access to airport lounge zones* - 2 entries per year

  • Travel insurance**

  • Access to offers and various discounts at cis.visa.com

Exclusive access to premium services, special airport privileges, travel insurance, and 24/7 assistance.

*Mandatory conditions for access to Lounge Areas:

Starting from 01.04.2026, two entries per year will be allowed in airport lounges.

To access the Lounge area, cumulative purchases of goods, including online, of at least 9 000 MDL* on the card are required, made in the last 30 + 5 days before the date of the lounge visit. Details on the website Visa.

* The total value of payments to merchants, including online, must reach at least 9 000 MDL in the last 35 days (30 eligible days + 5 days with non-eligible transactions in processing).

ATTENTION: Cash withdrawals, transfers between cards/accounts (P2P/A2A), deposits to card/account, bill payments, utilities, or other top-ups that do not represent payments to merchants are not taken into account.

To check eligibility and activate lounge access, download the Visa Airport Companion app from App Store or Google Play and register the card. Or you can use the chatbot Visa Concierge to obtain the digital subscription.

** For information about travel insurance, click HERE.

For detailed information about Fees and commissions, click 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.

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

PROBUSINESS – INNOVATIVE BANKING FOR STARTING YOUR BUSINESS!

At ProCredit Bank, we know how important efficient banking is when launching your business. That is why we offer you the ProBusiness package, specially designed for a smart start!

  • Visa Business Contactless card

  • Savings accounts with 24/7 access

  • First 12 months - free maintenance

  • ProBanking remote banking system

  • Three current accounts

  • Use of electronic signature for banking operations

Simplify your operations and save time with the ProBusiness package from ProCredit Bank — a complete solution for entrepreneurs who want more control and efficiency in financial management.

IF YOU ARE WONDERING WHAT WE CAN OFFER TO INNOVATIVE ENTREPRENEURS, THE ANSWER IS PROBUSINESS! 

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

CHOOSE PROBUSINESS PLUS!

Banking dedicated to your business helps you save time and improve its performance. Choose the ProBusiness Plus package from ProCredit Bank and benefit from top-tier banking services for your business. Discover below the complete set of benefits you can enjoy!

  • First 3 months – free maintenance.

  • Unlimited current accounts.

  • Visa Platinum card.

  • Savings accounts with 24/7 access.

  • ProBanking remote banking system.

  • Use of electronic signature for banking operations.

ProBusiness Plus is an excellent choice for entrepreneurs who want to optimize their financial processes and improve business performance. The package offers advanced digital tools and top benefits for efficient and simple management of financial resources.

HIGH-QUALITY BANKING FOR YOUR BUSINESS HELPS YOU SAVE TIME SO YOU CAN FOCUS ON GROWING YOUR BUSINESS — CHOOSE PROBUSINESS PLUS WITH CONFIDENCE! 

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

MANAGE YOUR BUSINESS LIQUIDITY SMARTLY!

 

Choose a flexible solution for efficient management of the company’s funds and save smartly without limiting access to them.

  • Interest is paid monthly to your current account.

  • Interest rate of 1.50% per year in MDL, 0.50% in USD, and 0.50% in EUR.

  • Opening and maintenance of the savings account are free of charge.

  • Possibility of unlimited deposits and withdrawals.

  • Access to the funds in your savings account via ProBanking.

Unlike deposits, the Flexibil Savings Account does not impose limits on investing available funds, offering unlimited possibilities for additional deposits and withdrawals. For information on fees and commissions, click HERE.

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

KEEP YOUR CAPITAL SAFE AND BENEFIT FROM FLEXIBILITY!

 

The Flexibil Deposit Account is a safe and advantageous tool for managing your business’s available liquidity in MDL, EUR, or USD.

  • Available in MDL, EUR, and USD

  • Can be opened for a fixed period between 3 and 25 months

  • Security of funds - 100% foreign capital and stable shareholders from Germany

  • Attractive interest rate, tailored to the selected currency and term

  • Interest is paid monthly into the current account - quick access to income

  • No opening or administration fees

The Flexibil Deposit Account offers more than just a way to save – it is a secure option, with a competitive interest rate paid monthly directly into your current account, and supported by the stability of a bank with German capital. For information about fees and commissions, click HERE.

Deposit (floating rate)

 

Currency Minimum amount 3 months 6 months 12 months 25 months
MDL from 100 000 MDL 3.50% 3.50% 4.50% 4.50%
EUR from 5 000 EUR 0.50% 0.50% 1.50%  
USD from 5 000 USD 0.50% 1.00% 1.50%  

Deposit (floating rate)

 

MDL – from 100 000 MDL

  • 3 months: 3.50%
  • 6 months: 3.50%
  • 12 months: 4.50%
  • 25 months: 4.50%

EUR – from 5 000 EUR

  • 3 months: 0.50%
  • 6 months: 1.00%
  • 12 months: 1.25%

USD – from 5 000 USD

  • 3 months: 0.50%
  • 6 months: 0.50%
  • 12 months: 1.50%
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

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