Global registry · Europe · Central and Eastern Europe

Moldova Payment systems

2 systems listed.

This country doesn’t have a written market analysis yet: e-commerce shares, regulator, and key players are still to be documented. The systems below, however, are verified.

IBAN · Moldova

24 characters18 bank codes28 BIC codes
Total length
24 characters
Bank code position
5–6
BBAN structure
2!c18!c
Structurally valid example
MDcountry code24check digitsAGbank000225100013104168account

MD24 AG00 0225 1000 1310 4168

Check an IBAN · Look up a card

Learn about this market. The guides and courses that cover it.

Merchant, acquirer, PSPGuide · its region · 17 minPayment regulationGuide · its region · 18 minCentral banks and payment infrastructuresGuide · its region · 20 minAgents, distributors, and banking-as-a-service: who is liable for whatGuide · its region · 19 minPayments in the BalkansGuide · its region · 18 minPayments in the Baltics and FinlandGuide · its region · 18 minAccepting payments in Germany, Austria, and SwitzerlandCourse · its region · 60 minAccepting payments in Spain and PortugalCourse · its region · 60 minChoosing a jurisdiction for your payment institutionCourse · its region · 60 minAccepting payments in the Netherlands and BelgiumCourse · its region · 60 minAccepting payments in the NordicsCourse · its region · 60 minAccepting payments in Poland and Central EuropeCourse · its region · 60 min

Instant payments

MIA (instant payments)Moldova’s national instant payment scheme, run directly by the central bank: QR, P2P by phone number, payment links, and me-to-me transfers, executed in 10 seconds or less, 24/7. The limit is MDL 5,000 per transaction, and transfers are free up to MDL 10,000 a month. Nonbank payment institutions have taken part from the start, which is notable for a small market.Banca Națională a Moldovei (BNM) · since 2023more than 15 connected providers, including MAIB, OTP Bank, Victoriabank, ProCredit Bank, FinComBank, EuroCreditBank, Paynet, and Bpay (BNM, 2026)

Clearing and settlement

SAPI (Sistemul automatizat de plăţi interne)The backbone of Moldova’s payment infrastructure, run directly by the central bank and split into two components: SDBTR, real-time gross settlement for urgent and large-value payments, and SCDBN, deferred net settlement for bulk payments. It is the settlement leg for the MIA instant payment service. Watch the name: the system is “de plăţi interne” (domestic payments), not “interbancare,” as often written.Banca Naţională a Moldovei

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