EximBank Moldova

What EximBank Moldova does

EXIMBANK (B.C. EXIMBANK S.A.) is a Moldovan universal commercial bank founded in 1993 and headquartered in Chișinău, operating as a wholly-owned subsidiary of Italy's Intesa Sanpaolo Group since its 2018 acquisition. The bank operates 20+ branches across Moldova (Chișinău, Comrat, Bălți, Ungheni, Orhei, Cahul, and formerly Soroca) and serves three primary segments: retail individuals (consumer loans, mortgage loans, deposits, current accounts, bank cards), small and medium enterprises (small business loans, EBRD-funded credit lines, business packages, POS acquiring), and corporate clients (corporate loans, guarantees, treasury, salary projects). As a mass-market universal bank, EXIMBANK explicitly targets financial inclusion through products such as the EXIM YOUNG debit card (ages 7-18) and Credit SENIOR (pensioners), in a country where over 98% of businesses are MSMEs employing 60% of the workforce.

The bank runs a multi-channel digital and physical platform built around Internet Banking (with B2B instant transfers via MIA Plăți Instant), Mobile Banking (iOS/Android, with biometric authentication), an Open Banking API for third-party providers, card-network integrations with Visa (Signature, Classic, Business, CIAO), and digital-wallet support (Apple Pay, Google Pay, Garmin Pay). Since Moldova joined the Single Euro Payments Area on 6 March 2025, EXIMBANK participates in SEPA cross-border EUR payments, processing over 377,000 transfers and saving €6.11 million in transaction costs versus prior SWIFT-corridor pricing. The bank's MSME lending book is materially supported by three EBRD credit lines totaling €20 million (January 2022, December 2023, October 2025), on-lent under the EU4Business initiative with green-technology quotas of 70% and women-led-business allocations of one-third to 35%.

EXIMBANK earns revenue through a diversified model: net interest income from consumer, mortgage, and SME/corporate lending; deposit funding across MDL, EUR, USD, GBP, and RON; transaction fees on cards (Visa), international transfers (SEPA/SWIFT), POS acquiring, and FX; recurring service fees on payroll programs, bancassurance distribution, and digital banking subscriptions; and a hybrid Benvenuto business-package pricing tier. The bank's GTM motion blends physical-branch relationship banking with PLG-style digital self-service and a 2026-pivot advisory-led brand positioning ('Bank on the Right Advice') aligned with Intesa Sanpaolo's 2026-2029 Business Plan. Governance reflects strong ESG credentials inherited from the parent (Dow Jones Sustainability Index inclusion for 12 consecutive years; 52% women in managerial roles; consecutive Moldovan 'Commercial Brand of the Year' awards for family-friendly workplace and socially responsible trademark).

Name

EximBank Moldova

Legal name

B.C. EXIMBANK S.A.

Website

https://eximbank.md

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

251–500 employees

Short description

EXIMBANK is a Moldovan universal commercial bank and wholly-owned subsidiary of Italy's Intesa Sanpaolo Group, serving retail and SME clients via 20+ branches and digital channels with lending, deposits, cards, payments, and EBRD-funded MSME financing.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), State Commercial Banks (6022)

akta.pro primary industry

Retail-focused Neobanks (Mass Market) (FSABAFAA)

akta.pro secondary industries

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Commercial banking services
• Retail and corporate banking
• Consumer lending products
• International money transfers
• Digital banking platforms

Headquarters

HQ city

Chisinau

HQ country

Moldova

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Interest income from lending activities including consumer loans, mortgage loans, and business/SME loans. Core banking revenue stream from credit portfolios.
2. Deposit/Term Deposit Attraction: Attraction of customer deposits (MDL, EUR, USD, GBP, RON) generating deposit base for lending operations.
3. Card Services: Issuance and management of debit and credit cards (Visa Signature, Visa Classic Contactless, Visa Business, CIAO Business credit cards, EXIM YOUNG debit card for youth 7-18). Revenue from interchange fees, annual fees, and transaction commissions.
4. Digital Banking Services: Fees from Internet Banking and Mobile Banking services for both individuals and corporate customers.
5. Bancassurance: Bancassurance products offered to individuals and corporate customers, generating commission income.
6. International Transfers & Correspondent Banking: Fees from international transfers including SEPA transfers, SWIFT transfers, and currency exchange operations.
7. POS Terminal Services: Merchant acquiring services through POS terminals for business customers, generating transaction commission revenue.
8. Bank Guarantees & Securities Operations: Bank guarantees and operations with securities for corporate customers.
9. Salary Project: Corporate salary disbursement programs generating account and service fees from business clients.

Pricing tiers

Go-to-market motion2 records

Distribution channels9 records

Marketing channels7 records

Core offering

EximBank Moldova is a universal commercial bank providing a comprehensive suite of retail and corporate banking products, including consumer and mortgage loans, term deposits, current accounts, debit and credit cards, and international money transfers via SEPA and SWIFT. The bank also delivers digital banking through Internet Banking, Mobile Banking, Open Banking APIs, and instant payment infrastructure (MIA Plăți Instant), serving individuals, SMEs, and corporate clients in the Republic of Moldova.

Product overview

EXIMBANK is a universal commercial bank in Moldova, part of the Intesa Sanpaolo Group, offering a comprehensive suite of banking products and services for individuals and businesses. The product portfolio spans consumer and mortgage lending, deposits, bank cards (including premium Visa Signature and youth-focused EXIM YOUNG cards), current accounts, international transfers via SEPA and SWIFT, and digital banking platforms. For corporate clients, EXIMBANK provides small business loans, business loans, EBRD-funded credit lines under EU4Business initiative, bank guarantees, POS terminals, and Web Banking with MIA instant payment capabilities. Digital services include Internet Banking, Mobile Banking, Apple Pay, Google Pay, and Garmin Pay integrations, plus Open Banking API access for third-party providers. The bank operates as a multi-channel institution with branch network, digital platforms, and value-added services like Bancassurance and SMS-Info notifications.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Loans (Credite de consum) Personal loans with fixed interest rates and rapid approval for individual retail customers to meet various personal financing needs.
• Mortgage Loans (Credite ipotecare) Housing loans with competitive fixed interest rates designed for individuals seeking to purchase their own home.
• Deposits (Depozite) Term deposits and DINAMICO floating-rate deposits in MDL, EUR, USD, GBP, RON and other currencies with varying interest rates by currency, term and amount, for individual and corporate savers.
• Bank Cards (Carduri bancare) Comprehensive card portfolio including debit cards, credit cards, premium Visa Signature, EXIM YOUNG youth cards and Visa Business corporate cards for retail and corporate customers.
• Internet Banking Web-based online banking platform enabling individuals and legal entities to access accounts, manage finances, perform transactions including B2B instant transfers, and access banking services in Romanian, Russian and English.
• Mobile Banking Smartphone banking application for iOS and Android providing account access, transfers and financial services on mobile devices, with biometric authentication.
• SMS-Info SMS notification service providing real-time transaction alerts and account activity updates to customers via text messages.
• Apple Pay Contactless mobile payment service enabling EXIMBANK cardholders to pay via Apple devices at participating merchants.
• Google Pay Contactless mobile payment service enabling EXIMBANK cardholders to pay via Android devices at participating merchants.
• Garmin Pay Wearable payment service enabling EXIMBANK cardholders to make contactless payments using Garmin smartwatch devices.
• Current Accounts (Conturi curente) Personal and business checking accounts held in MDL, EUR, USD and other currencies, with associated transactional banking services.
• International Transfers (Transferuri internaționale) Cross-border money transfer services including SEPA euro transfers to 40 SEPA member countries and traditional SWIFT transfers in multiple currencies.
• Bancassurance Insurance products distributed through EXIMBANK's branch network and digital channels for both retail and corporate customers, generating commission income.
• Small Business Loans (Credite pentru Small Business) Credit facilities designed for micro and small enterprises in Moldova to support business growth and operations.
• Business Loans (Credite pentru afaceri) Corporate lending solutions for medium and large enterprises with customized financing structures.
• Loans from External Resources (Credite din resurse externe) Financing programs utilizing external funding sources including EBRD and EU initiatives (EU4Business) to provide preferential lending to Moldovan MSMEs for modernization and green technology.
• Bank Guarantees (Garanții bancare) Guarantee instruments supporting business transactions and contractual obligations for corporate clients.
• POS Terminals (POS-terminale) Point-of-sale terminal services for merchant acquiring, enabling Moldovan businesses to accept card payments at physical retail locations.
• Web Banking for Business (Web Banking pentru compania ta) Corporate online banking platform with B2B instant transfers via MIA, multi-user access, and business-specific features for legal entities.
• MIA QR Business QR code-based payment solution for business transactions using the MIA instant payment infrastructure.
• Business Package - Benvenuto Comprehensive business banking package bundling current account, cards, and banking services at package pricing for new and existing business customers.
• Visa Signature Premium credit card with travel benefits including VIP Express lounge access at airports for €20, travel insurance and concierge services.
• EXIM YOUNG Debit Card Debit card for young people aged 7-18 years providing financial education and freedom under parental supervision.
• Credit SENIOR Specialized credit product for pensioners with fixed interest rates, up to 150,000 MDL, requiring only pensioner identification.
• Open Banking API Third-party provider API access enabling authorized service providers to access account information and initiate payments under Moldova's Open Banking framework.
• MIA Plăți Instant Instant payment system enabling real-time money transfers 24/7 including B2B transfers between companies via Internet Banking and Mobile Banking.

Quantifiable outcome

• Average SEPA transfer commission reduced from over €20 to €1.26 per transaction — saving €6.11 million for Moldovan economy on 377,000+ transfers since March 2025 SEPA accession
• +3 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability2 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Ministry of Culture of the Republic of MoldovaminorStrategic or Co-development Partner · 6 May 2026EXIMBANK is a strategic partner supporting Moldova's first participation in the 61st International Art Exhibition — La Biennale di Venezia (2026). The project 'On the Thousand and Second Night' by Pavel Brăila is curated by Adelina Luft and opens May 7, 2026 in Venice.
• Ministry of Foreign Affairs of the Republic of MoldovaminorStrategic or Co-development Partner · 6 May 2026Co-supporter of Moldova's first participation in La Biennale di Venezia 2026, with EXIMBANK as the banking sector strategic partner.
• SEPA (Single Euro Payments Area) / European Payments CouncilcoreTechnology or Integration · 6 March 2025EXIMBANK joined the SEPA payment zone enabling fast, low-cost EUR transfers across 40 SEPA member countries. Moldova joined SEPA on 6 March 2025. This integration significantly reduced transaction costs from €20+ to €1.26 average per transfer.
• International Women's Club of MoldovaminorGTM or Marketing Partner · 8 December 2024EXIMBANK was main sponsor of the 27th International Charity Bazaar organized by the International Women's Club in Moldova, bringing together diplomatic missions and international organizations. Fourth consecutive year of sponsorship.
• Intesa Sanpaolo Group — FLITIN (Financial Literacy International Network)coreStrategic or Co-development Partner · 9 February 2023EXIMBANK participates in FLITIN, the Intesa Sanpaolo Group's international financial education ambassador network spanning 12 countries (Italy, Albania, Bosnia and Herzegovina, Croatia, Egypt, Slovakia, Moldova, Romania, Serbia, Slovenia, Ukraine, Hungary). FLITIN delivers programs including Money Master Challenge, S.A.V.E. Ambassadors, and Global Money Week activities to promote financial literacy among youth.
• S.A.V.E. Virtual Tour / Museum of Saving (Turin, Italy)minorStrategic or Co-development Partner · 9 February 2023The S.A.V.E. (Saving, Attitude, Values, Education) Virtual Tour is an online educational platform of the Museum of Saving in Turin, promoted in collaboration with the EIB Institute. EXIMBANK participates in S.A.V.E. Ambassadors competitions for high school students through FLITIN.
• EIB Institute (European Investment Bank Institute)minorStrategic or Co-development Partner · 9 February 2023EIB Institute partners with the Museum of Saving on the S.A.V.E. Virtual Tour educational platform. EXIMBANK participates through FLITIN network activities.
• WWF (World Wide Fund for Nature)minorStrategic or Co-development Partner · 9 February 2023WWF partnered with Intesa Sanpaolo FLITIN in the S.A.V.E. Ambassadors competition, providing symbolic animal adoptions (polar bears for Croatia, sea turtles for Hungary) to winning teams as environmental awareness rewards.
• VISAcoreTechnology or IntegrationVISA is the card network partner for EXIMBANK's debit and credit card portfolio including Visa Signature, Visa Classic Contactless, Visa Business, and CIAO Business credit cards. EXIMBANK also offers Visa Airport Companion benefit for Visa Signature cardholders (VIP lounge access at €20).

Scale indicators10 records

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Banca Transilvania: Romania's largest universal bank and majority owner of Victoriabank; relevant as a regional incumbent expanding Moldovan SME footprint, sharing the 'foreign-controlled universal bank' playbook that Intesa Sanpaolo applies through EXIMBANK.
• OTP Bank: Hungary's largest universal bank and regional CEE incumbent; strategic parent of Mobiasbanca Moldova and a benchmark for any European-controlled multi-segment bank competing in Moldova.

Emerging players

• PKO Bank Polski: Large Polish state-controlled universal bank expanding regionally with EU-aligned digital capabilities; serves as a regional-scale comparable for capital structure and product breadth in the CEE universal-banking category that includes EXIMBANK.

Direct peers

• Moldindconbank: Long-standing Moldovan universal commercial bank operating retail and corporate banking with multi-currency deposits, cards and digital channels; another close peer to EXIMBANK in the domestic mass-market segment.
• Moldova Agroindbank (maib): The largest commercial bank in Moldova, offering the same full set of retail and corporate products (loans, deposits, cards, digital banking) to overlapping individual and SME clients as EXIMBANK. It is the most direct head-to-head competitor for primary customer relationships in the Moldovan universal-banking category.
• Victoriabank: Top-three Moldovan universal commercial bank majority-owned by Banca Transilvania (Romania); competes with EXIMBANK for retail deposits, consumer/mortgage loans, SME credit and SEPA-enabled cross-border EUR transfers into Moldova.
• Intesa Sanpaolo Bank Romania: Another IBD sister subsidiary of EXIMBANK in the broader CEE region, operating the same universal retail and corporate banking model under shared EU/SEPA-aligned capabilities and Intesa Sanpaolo governance.
• ProCredit Bank Moldova: European-style commercial bank focused on SME and green-technology lending in Moldova; closely comparable to EXIMBANK's MSME/greentech franchise supported by EBRD EU4Business facilities.
• CIB Bank: Hungarian universal commercial bank within the Intesa Sanpaolo International Banks Division — a direct sister subsidiary sharing the same group strategy, 'Bank on the Right Advice' campaign and IBD governance playbook, making it the closest institutional-comparison peer for EXIMBANK.
• Mobiasbanca – OTP Group: Moldovan subsidiary of Hungary's OTP Group providing universal retail and corporate banking products under the same parent-bank paradigm as EXIMBANK (foreign-controlled, multi-segment universal bank).

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/intesa_sanpaolo
• LinkedInlinkedin.com/company/eximbank-bank-of-intesa-sanpaolo
• Facebookfacebook.com/EximbankBankofIntesaSanpaolo

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds2 records

Investors1 record

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

M&A

Investments

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

Frequently asked questions about EximBank Moldova