Service intended for individuals, holders of active cards issued by the Bank, accessible in MICB Web Banking and Ā MICB Mobile Banking systems. The service enables the Beneficiary to withdraw cash, without a card, at any Cash by Codeā ATM of the Bank.
Cash by code
Convenient ā Ā account replenishment without physical use of the card.
Free āfree of charge service for Moldindconbank cards, available in the Web Banking system and the Mobile Banking application.
Secure ā one-time code generated in graphic or 6-digit format ā a barcode.
Fast ā you can grant permission to a trusted person (relative, friend, and colleague) to withdraw an amount of money from your account.
Available ā 24/7.
Accessible immediately in three currencies: MDL, USD/EUR.
Minimum amount: MDL 50, USD/EUR 10.
Maximum amount per operation: MDL 3,000, USD/EUR 300.
The code is valid for 24 hours from the moment of its generation.
Steps to follow
1
In the āCards and Accountsā menu of Web Banking or Mobile Banking, select the source card from the list of cards.
2
Go to āCash By Code Generationā in Web Banking. Access āServicesā in Mobile Banking, then āATM Cash-Out (Cash by Code)ā.
3
Check the source card and specify the amount and currency of the transaction (MDL/USD/EUR).
4
Confirm the operation by entering the one-time password (SMS/ATM/Mobile OTP). If the access code is set in Mobile Banking, confirmation of the operation will not be requested.
5
The system will automatically generate the special code, which will be displayed on your device.
6
Share with the beneficiary the digital or bar code, the amount and the currency of the operation.
7
The beneficiary can withdraw cash at any ATM of the Bank that has a barcode reader.
Possibilities
Cash-Out by digital Code ā one-time 6-digit code for cash withdrawal at the ATM.
Cash-Out by bar Code ā Ā bar code/graphic format used only once to withdraw money at the ATM.
The beneficiary can withdraw cash at any ATM of the Bank.
Cash is withdrawn by authenticating the operation.
When withdrawing cash by entering the code, the Beneficiary selects the āCash by Codeā option in the menu displayed on the ATM screen.
When withdrawing cash by scanning the barcode, the Beneficiary selects the āCash by Codeā button from the ATM menu and scans the barcode.
FAQ:
The currency of the transaction does not depend on the currency of the Cardholderā account and can be MDL/USD/EUR, depending on the currency, in which the cash withdrawal has been initiated by the Cardholder. The actual release of the cash depends on the currencies available at the ATM of the Bank.
If the currency, in which the āCash by Codeā code has been generated, is not available at the ATM, where the Beneficiary tries to withdraw cash, the transaction will not be possible. In such cases, the Beneficiary shall withdraw cash at another ATM, where the currency used in generating the āCash by Codeā Ńode is available.
- If the Cardholder does not cancel the code, it will be active 24 hours from the moment of its generation, and the indicated amount will be blocked in the Cardholder’s account.
- If the Beneficiary does not obtain the money during that period, the authorized amount will automatically be unblocked becoming accessible to the Cardholder.
- If the Cardholder cancels the code, the authorized amount will become immediately accessible.
- Cash-Out by Code can be cancelled through cancellation option in āMICB Web Bankingā and āMICB Mobile Bankingā.
- If the āCash by Codeā code is not used, the Cardholder accepts and agrees with the fact that the amount, for which the Code has been generated, will become accessible on the Card after the expiration of at least 24 hours from the moment the code concerned has been generated.
- If the Cardholder does not cancel the code, it will be active 24 hours from the moment of its generation, and the indicated amount will be blocked in the Cardholderās account.
- If the Beneficiary does not obtain the money during the respective period, the authorized amount will automatically be unblocked becoming accessible to the Cardholder.
- If the Cardholder cancels the code, the authorized amount will become immediately accessible. Only the Cardholder can generate the āCash by Codeā code and cancel the operation.