Moldova Agroindbank

Name

Moldova Agroindbank

Legal name

BC MAIB SA

Website

https://maib.md

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)

akta.pro secondary industries

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Lending & Credit Disbursements (FSAMAKAH), B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

Keywords

• Retail banking services
• Commercial banking products
• Consumer lending
• Mortgage financing
• Corporate banking services

Headquarters

HQ city

Chisinau

HQ country

Moldova

HQ region

Europe

Offices6 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Lending: Traditional banking revenue from interest spreads on consumer loans, mortgages, business loans, credit lines, and micro-credits. Includes various loan products: espresso consumer loans, refinance loans, secured consumer loans, GEFF green loans, agricultural financing, and mortgage products.
2. Commission and Fee Income: Fees from account maintenance, card operations, payment processing, international transfers (SWIFT, SEPA), currency exchange, documentary services, and internet banking subscriptions. Also includes commission from money transfers via Banca Popolare di Sondrio.
3. Deposit Taking: Accepts customer deposits in MDL and foreign currencies with various terms (30-1095 days), paying interest rates up to 5.50% fixed rate
4. Corporate Bond Issuance: Issues corporate bonds to retail and institutional investors. Fourth public bond program offering fixed rate bonds (6.96% first year)

Pricing tiers

Go-to-market motion1 record

Distribution channels9 records

Marketing channels8 records

Core offering

Moldova Agroindbank (maib) is a universal commercial bank offering retail consumer loans, mortgages, deposits, debit/credit cards, international transfers (SWIFT/SEPA), and insurance to individuals, alongside business lending, factoring, payroll, corporate banking, capital markets, and leasing for SMB and corporate clients in Moldova. It distributes these products through 50+ physical branches, an extensive ATM/CDM network, and proprietary digital channels including the maibank mobile app and the maib business internet banking platform.

Product overview

Moldova Agroindbank (maib) operates as a universal commercial bank offering a comprehensive digital banking ecosystem. The core banking infrastructure consists of maibank (mobile app for individuals) and maib business (internet banking for legal entities), both providing digital access to accounts, payments, cards, and transfers. The consumer lending portfolio includes Credit Espresso (quick consumer loans), Credit de consum cu gaj (secured loans), Credit GEFF (green energy loans), and mortgage products. The card portfolio spans debit cards, credit cards (including maib liber installment card), digital cards, salary cards, and social cards across Mastercard and Visa networks. Corporate banking services include business packages, factoring (local and reverse), microcredits, and capital market services. Money transfer capabilities cover SWIFT international transfers, SEPA Euro payments, quick international transfers, and P2P services. Additional services include deposits, corporate bonds, insurance, contactless transport payments (maib pay), and private banking through the Alto platform.

Differentiator

Problem solved

Functional benefit

Brands

• maibank: Mobile banking application for individuals
• maib business
• maib business app
• maib park
• maib private banking
• Alto
• maib leasing

Products and services

• maibank Mobile Banking App Mobile banking application for individual customers available on iOS, Android, and Huawei App Gallery, providing digital account management, card management, payments, transfers, credit applications, P2P, and contactless payment tokenization.
• maib business Internet Banking Platform Web and mobile internet banking platform for legal entities and business clients offering payments (MDL and foreign currency), salary payments, account management, card services, deposits, Forex operations, insurance services, and multi-signature authorization with EASI/1C integration.
• BankFlex Internet Banking (Legacy) Legacy internet banking platform for legal entities available in Standard (50 MDL/month), Extended (70 MDL/month with EASI/1C integration), and Salary Project (25 MDL/month) modules; being migrated to maib business.
• Credit Espresso Consumer Loan Quick consumer loan for individuals with fixed interest rate, amounts from 5,000 to 400,000 MDL, terms 12 to 60 months, requiring only an identity card, available to customers aged 20+.
• Secured Consumer Loan (Credit de consum cu gaj) Secured consumer loan with collateral (pledge) for individuals seeking higher loan amounts.
• Credit GEFF Green Energy Loan Consumer loan under the Green Energy Finance Facility for green energy improvements and home modernization, with potential partial recovery of investment.
• Mortgage Loan (Credit ipotecar) Mortgage loan product for purchasing real estate, including properties abroad, with amounts up to 7,000,000 MDL, zero commissions, and rapid approval (up to 1 day) with free video consultation.
• Personal Debit Cards (Carduri de debit) Debit cards for personal banking including standard, salary, and social cards with various features and benefits.
• Personal Credit Cards (Carduri de credit) Credit card products including maib liber installment card and other credit card variants for personal banking.
• Digital Cards (Carduri digitale) Digital debit cards that can be tokenized into Apple Pay, Google Pay, and Garmin Pay mobile wallets for contactless payments without a physical card.
• Digital Business Card (Card business digital) Business debit/credit cards that can be opened digitally through the maib business platform without a branch visit, with instant activation.
• Business Banking Packages (Pachete business) Pre-configured banking service packages for small and medium businesses bundling accounts, cards, and services.
• Local Factoring (Factoring local) Local factoring service for corporate clients to improve cash flow by selling receivables.
• Reverse Factoring Supply chain financing service for corporate clients allowing extended payment terms to suppliers.
• Quick International Money Transfers (Transferuri internaționale rapide) Quick international money transfer service for sending and receiving funds internationally, including remittances from Italy via Banca Popolare di Sondrio that can be received directly in accounts or picked up at any maib branch.
• SWIFT International Wire Transfer International wire transfer service via the SWIFT network for cross-border payments in EUR, USD, GBP, CHF, and other currencies.
• SEPA Euro Transfer (Transfer SEPA) Euro transfer service via the Single Euro Payments Area for fast, cost-effective EUR payments within Europe.
• P2P Person-to-Person Transfers Person-to-person money transfer service allowing instant card-to-card transfers using card details.
• Term Deposits (Depozite) Savings deposit products with fixed interest rates up to 5.50%, terms from 30 to 1095 days, and 0% commission on cash withdrawals.
• Corporate Bond Program (Obligațiuni corporative) Corporate bond investment products offering fixed interest rates for long-term investment, including the fourth public bond program with 6.96% fixed rate in the first year, available to retail and institutional investors at all maib branches.
• Capital Market Services (Servicii pe piața de capital) Investment services on the capital market including securities trading, portfolio management, and operations with government securities.
• maib pay Contactless Transport Payments Contactless payment solution for public transport in Chișinău, enabling card and mobile wallet payments on specific trolleybus and bus routes in partnership with the municipal government.
• maib leasing Leasing services provided through leasing.md for vehicle and equipment financing.
• Insurance Services (Asigurări) Insurance products and services including consumer credit insurance and partner-provided coverage, with claim tracking integrated directly into the maibank mobile app through partnership with Donaris VIG.
• maib private banking Premium private banking services for high-net-worth individuals through the dedicated Alto platform, including personalized wealth management, dedicated relationship managers, and premium card packages.

Quantifiable outcome

• Mortgage approval in 1 day
• +2 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature8 records

Partnerships

Ten partnerships are on record, tiered core, major and minor.

• Vienna Insurance Group (VIG) / Donaris VIGcoreStrategic or Co-development Partner · 26 June 2026Co-development partner for integrated insurance solutions within digital banking. Jointly developed consumer credit insurance and insurance claim tracking directly in maibank mobile application. Donaris VIG provides insurance products while maib provides distribution through digital channels.
• Banca Popolare di SondriocoreStrategic or Co-development PartnerInternational money transfer partnership enabling remittances from Italy to Moldova. Transfers arrive in 2-3 business days directly to beneficiary accounts at maib or for cash pickup at any maib branch. Commission rates from 9.6-16.0 EUR depending on amount and delivery method.
• MastercardcoreGTM or Marketing PartnerPayment technology partnership for card issuing and acceptance. Co-sponsored UEFA Champions League promotions, contactless payment infrastructure including public transport payments in Chisinau. Partnership on innovative payment solutions.
• VisacoreGTM or Marketing PartnerPayment network partnership for card products and promotions. Joint marketing campaigns including 'Grand Prix Madrid with maib and Visa', travel benefits on Visa cards, UEFA Champions League finals access.
• National Olympic and Sports Committee of Moldova (CNOS)majorGTM or Marketing PartnerOver 20-year partnership supporting Olympic athletes and sports development in Moldova. Annual awards for Olympians demonstrating performance at national and international competitions.
• Junior Achievement MoldovamajorGTM or Marketing PartnerSupport since foundation for youth financial education and entrepreneurship programs, contributing to motivation and preparation of young generation for market economy.
• Hospice Angelus MoldovaminorGTM or Marketing PartnerOver a decade of partnership supporting palliative care and social projects. CSR investment in community support initiatives.
• University Information Center, Ministry of Education, Ministry of HealthmajorGTM or Marketing PartnerJoint partnership for 'Burse pentru Viitorul Tău' scholarship program awarding over 270 young scholars in 7 years. Also 'Burse de Merit' project running for 24 consecutive years.
• Chisinau Municipal GovernmentmajorStrategic or Co-development PartnerPublic transport contactless payment pilot project partner. First solution in Moldova for contactless payment in urban transport on trolleybus routes 1, 22, 23, 24, 30 and bus routes 1, 2, 5. Part of smart city development.
• Agropiese TGRminorChannel Partner/ Reseller/ DistributorAgricultural equipment dealer providing financing solutions for agricultural business modernization through maib credit products.

Scale indicators8 records

Expansion highlights6 records

Direct peers

• Moldindconbank: One of the largest Moldovan commercial banks and the most direct domestic competitor to maib. Operates a similar full-service retail, SME, and corporate banking model with overlapping branch network and comparable deposit/lending products.
• Victoriabank: Moldovan universal bank majority-owned by Banca Transilvania (Romania). Competes head-to-head with maib in retail, SME, and corporate segments with a similar digital-physical distribution model.
• OTP Bank Moldova: Subsidiary of Hungary's OTP Group, one of the top Moldovan banks. Directly competes with maib across retail and SME lending, with a comparable multi-channel strategy and growing digital capabilities.
• ProCredit Bank Moldova: Moldovan bank focused on SME and agricultural lending with strong development-finance DNA. Direct overlap with maib's SME and agricultural financing segments, including EU/EBRD-backed green financing products (GEFF).

Broad incumbents

• BCR (Banca Comercială Română): Romania's largest bank and part of Erste Group. Comparable as a regional universal bank with similar product breadth, digital transformation programs, and pan-regional correspondent relationships relevant to maib's cross-border ambitions.
• Banca Transilvania: Romanian universal bank that owns Victoriabank in Moldova. Comparable business model (universal commercial bank with retail, SME, corporate focus) and direct relevance as the strategic owner of maib's largest domestic competitor.
• Raiffeisen Bank Romania: Subsidiary of Austrian Raiffeisen Bank International. Comparable universal banking model with strong corporate and trade-finance capabilities relevant to maib's European integration trajectory.

Emerging players

• Bank of Georgia: Leading Georgian universal bank that has executed a successful digital transformation comparable to maib's maibank/maib business roadmap. Useful as a regional benchmark for emerging-market banks pivoting to digital-first.
• TBC Bank Georgia: Major Georgian bank with strong SME and digital banking franchises. Comparable as an emerging-market peer that has scaled digital banking and embedded financial services in a similarly-sized economy.

Others

• Maib Leasing (leasing.md): Listed as a maib sub-brand for leasing services. Included as an adjacent/related party rather than a pure competitor, illustrating maib's broader financial services ecosystem relevant for partner analysis.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCCWcd1e2IhNZlFtFJ64wfdw
• Facebookfacebook.com/www.maib.md
• LinkedInlinkedin.com/company/moldovaagroindbank
• Instagraminstagram.com/maib_md
• Xx.com/_MAIB_

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moldova Agroindbank