The banking system in Moldova is actively developing, offering clients a wide range of financial services: from opening accounts and deposits to online loans and mobile banking. In 2026, residents of the country increasingly search on Google for phrases such as “best banks in Moldova”, “list of banks in Chisinau”, “where to open an account in Moldova”, “banks with low fees”, and “reliable banks in Moldova”.

This article provides an up-to-date overview of banks in Moldova, including ratings, working hours, and detailed descriptions of services, as well as information about banks that open accounts for foreigners and the best loan and deposit offers.

1. maib (Moldova Agroindbank)

Rating: ⭐⭐⭐⭐⭐ (5.0)

Working hours: Monday–Friday 09:00–17:00, Saturday 09:00–13:00

maib is the largest and most popular bank in Moldova. It is frequently searched for using phrases such as “maib Moldova”, “open account maib”, “maib loan conditions”.

The bank offers:

  • favorable cash loans
  • mortgages in Moldova
  • mobile banking
  • Visa and Mastercard cards
  • high-interest deposits

Best offers:

  • Cash loan: from 7–9% annually, term up to 5 years
  • Mortgage: from 6% annually, term up to 25 years
  • Deposits: up to 8–10% annually in MDL

Advantages:

  • extensive branch network
  • convenient mobile application
  • high level of trust

Opening an account for foreigners: yes, the bank opens accounts for foreign citizens with a passport and proof of address; sometimes a residence permit is required.

2. Victoriabank

Rating: ⭐⭐⭐⭐⭐ (5.0)

Working hours: Monday–Friday 09:00–17:00

Victoriabank is one of the oldest banks in the country. It is often searched for using “Victoriabank loans”, “list of banks in Chisinau”, “where to get a loan in Moldova”.

Services:

  • loans for individuals
  • business loans
  • deposits
  • internet banking

Best offers:

  • Consumer loan: from 8–10% annually
  • Business loan: individual conditions from 7%
  • Deposits: up to 9% annually

Advantages:

  • stability
  • transparent conditions
  • business support

Opening an account for foreigners: yes, possible for non-residents with documents.

3. Moldindconbank

Rating: ⭐⭐⭐⭐☆ (4.5)

Working hours: Monday–Friday 09:00–17:00

Moldindconbank is a universal bank with a wide range of services. It is searched for using “Moldindconbank online banking”, “Moldova deposit interest rates”.

Main services:

  • loans
  • bank cards
  • transfers
  • deposits

Best offers:

  • Cash loan: from 9% annually
  • Car loan: from 7–8%
  • Deposits: up to 9–10% annually

Advantages:

  • convenient internet banking
  • favorable deposit conditions

Opening an account for foreigners: yes, possible with documents.

4. OTP Bank Moldova

Rating: ⭐⭐⭐⭐☆ (4.5)

Working hours: Monday–Friday 09:00–17:00

OTP Bank is an international bank with European standards. Popular for “OTP Bank Moldova loans”.

Services:

  • mortgage loans
  • car loans
  • bank cards
  • online services

Best offers:

  • Mortgage: from 6–7% annually
  • Car loan: from 7–9%
  • Deposits: up to 8% annually

Advantages:

  • international support
  • reliability
  • modern technologies

5. Eximbank

Rating: ⭐⭐⭐⭐☆ (4.3)

Working hours: Monday–Friday 09:00–17:00

Eximbank is actively used for international operations.

Services:

  • international transfers
  • foreign currency accounts
  • loans

Best offers:

  • Business loan: from 7–9%
  • Foreign currency loans: individual conditions
  • Deposits: up to 7–8%

Advantages:

  • work with currencies
  • business support

6. ProCredit Bank

Rating: ⭐⭐⭐⭐☆ (4.2)

Working hours: Monday–Friday 09:00–17:00

ProCredit Bank is focused on business clients.

Services:

  • business loans
  • investment products
  • company accounts

Best offers:

  • Business loans: from 6–8%
  • Investment loans: individual conditions
  • Deposits: up to 7%

Advantages:

  • support for small enterprises
  • transparent conditions

7. Energbank

Rating: ⭐⭐⭐☆☆ (3.8)

Working hours: Monday–Friday 09:00–17:00

Energbank is a universal bank.

Services:

  • loans
  • deposits
  • cards

Best offers:

  • Cash loan: from 10–12%
  • Deposits: up to 8%

Advantages:

  • simple services
  • accessibility

8. FinComBank

Rating: ⭐⭐⭐☆☆ (3.7)

Working hours: Monday–Friday 09:00–17:00

FinComBank is a stable bank.

Services:

  • deposits
  • loans
  • bank cards

Best offers:

  • Cash loan: from 9–11%
  • Deposits: up to 8–9%

How to Choose the Best Bank in Moldova

When choosing a bank, it is important to consider:

  • loan interest rate
  • deposit conditions
  • fees
  • availability of online banking
  • possibility of opening an account for foreigners
  • customer reviews

Online Banking in Moldova

Most banks offer:

  • mobile applications
  • online transfers
  • bill payments
  • account management

Conclusion

If you are searching for “best banks in Moldova”, it is worth paying attention to maib, Victoriabank, and Moldindconbank — these are the market leaders. For business, ProCredit and OTP Bank are suitable, while for international operations — Eximbank.

Most banks in Moldova open accounts for foreigners, but requirements may vary. The choice of bank depends on your goals: loan, deposit, business, or everyday payments.