Acum credit card
Take advantage of a financial reserve that allows you to make purchases and organize your payments in a flexible manner, tailored to your repayment capacity.
MDL 20 000
60 days
32%-35% fixed
60 months
One-time granting fee
Monthly administration fee
Purchase commission
Early repayment fee
*Calculation made on an amount of 10,000 lei for a term of 60 months
Why to choose the Acum credit card?
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You can access credit based solely on your ID card.
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A reusable credit line that offers you more financial flexibility.
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More freedom for purchases, whether daily or unexpected, both domestically and internationally.
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0% fee for opening and managing the Visa Gold or Mastercard Gold card.
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A 60-day grace period during which no interest is applied.
Advantages of the card
Advantageous ā discounts of up to 10% with Discount Club.
Comfortable ā payment or transfer with the card takes only 6 seconds.
Fast ā you get the Instant card in just 3 minutes.
Accessible ā remote service, for checking and managing money.
Various information ā by Push notification, e-mail statement, Mobile MICB, SMS notifications.
Secure ā card protection is ensured due to the international standard 3D Secure.
How to benefit from a credit limit card
Fill out the form.
Online or come to the nearest branch.
Await the approval.
If you submitted online, you will receive the answer by SMS.
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Take your card.
Pick it up at the branch or we deliver it to your home.
Resident of the Republic of Moldova: a citizen of the Republic of Moldova, a foreign citizen or a person without citizenship (stateless person), with permanent residence in the Republic of Moldova, who has an appropriate identity card, issued by the competent authorities of the Republic of Moldova, which is valid at the time of applying for a loan.
Age between 20 and 70 years (the age up to which the loan can be repaid).
Individual without a negative credit history.
Credit cards are issued to individuals and are intended for:
payment of products, services and any other current needs that are not contrary to the legislation in force;
refinancing the loan granted by other banks and/or other non-bank credit organizations from the Republic of Moldova.
Valid identity card.
The deposits of individuals and legal entities are guaranteed up to the coverage level of MDL 200,000.
More details: https://fgdsb.md/
Representative example: For a line of credit for MDL 10,000, granted for a period of 60 months, the annual interest rate (fixed) is 32%. The maximum monthly payment is MDL 500 and the maximum possible monthly interest rate is MDL 271,78. In total, the maximum possible monthly payment is MDL 771.78 , the EAR – 34.41%, and the total amount payable (amount of the loan + all related costs) is MDL 22,933.10.
Please note that by taking a loan you are responsible for its repayment. We therefore recommend checking your ability to pay. Manage your money carefully. Make sure you repay your loan on time.
FAQ:
Bankcards are divided into credit and debit cards, depending on the (own or borrowed) funds used by the customer to make transactions. When making transactions with a debit card, it is initially necessary to deposit own money on this card account . When making credit card transactions, funds borrowed from the Bank are used.
Credit limit cards work as a debit card, but you have a spare wallet, access to a credit limit that allows you to make the purchases you want.
The credit limit is the amount within which the Bank is ready to issue you a loan. The revolving credit limit gives you flexibility to use any amount of money at any time, up to the maximum approved limit.
It is provided to pay for goods or services, to withdraw cash, as well as, to make card-to-card money transfers.
Revolving credit line ā after you have partially or fully repaid the borrowed amount, you can use it again during the active period of the credit.
Payment is made by topping up the card account, in several ways:
- by depositing cash at any branch of the Bank;
- by depositing cash at any MICB ATM with the Cash-In function;
- by making the P2P transfer;
- by transfer between accounts, using the MICB Web Banking/MICB Mobile Banking application.
The debtor is entitled to repay the loan in advance in whole or in part, at any time, without charging the early repayment Ā fee, unless otherwise provided for in the Personal Loan Agreement.
If the date of payment by the Debtor is a day off, officially provided by the legislation of the Republic of Moldova, that payment shall be made on the next working day.
The credit limit is activated on the card account, at the subdivision where the loan application has been submitted.
The application can be submitted online, on the website www.micb.md, or at any subdivision of the Bank. If you apply for a loan to an already existing account, the application shall be submitted at the branch, where the account has been opened.