Perfect for domestic and international trade!
Documentary operations
BC Moldindconbank S.A. provides services on payment and guarantee instruments to facilitate transactions made by customers in the domestic and international trade.
Bank guarantees
No risk of failure to fulfil the assumed obligations and mistrust between business partners.
Moldindconbank is a reliable partner that guarantees proper performance of a business contract.
Moldindconbank offers solutions to every situation.
Facilitated trade relations.
Documentary letters of credit
The letter of credit is the most complex and efficient way to protect payment within export/import operations.
Minimum risk of failure of the foreign partner to deliver goods.
No advance payment required.
New possibilities in international trade relations.
Documentary incasso
Simple and inexpensive method of payment, whereby the Exporter submits the set of documents related to the delivery to the Buyer’s bank.
Assurance that the importer will not take possession of the documents and goods until payment is made as instructed.
No freezing of funds required.
Additional protection provided by applying international standards.
Instruments to secure contractual obligations:
Participation in the tender for procurement of goods/public procurement of works.
Proper delivery of goods/performance of works.
Refund of the advance payment.
Non-payment.
In favor of customs authorities.
Benefits of bank guarantees:
No risk of failure to fulfil the obligations assumed under the commercial contract.
No mistrust between business partners, if they are at the beginning of the collaboration or the contract is concluded for a long period of time.
Low costs, compared to bank loans.
At the request of customers, BC Moldindconbank S.A. gives the possibility of issuing bank guarantees confirmed by leading foreign banks.
If the main debtor does not comply with the commitment made under the contract, the Bank undertakes to pay the beneficiary the guaranteed amount.
Bank guarantee is a type of settlement in international trade, constituting a  firm commitment made by the Bank (issuing bank), on behalf of the buyer, to pay the seller the  value of the goods, subject to submitted documents, in strict accordance with the terms and conditions laid down in the letter of credit.
Benefits for the importer:
The letter of credit ensures payment  only upon the submission of the documents certifying the delivery of the goods, in strict accordance with the specified terms.
BC Moldindconbank S.A. gives the possibility of issuing documentary letters of credit confirmed by the leading foreign banks, upon the request of customers, to cover commercial risks, insolvency risk of the issuing bank, as well as, country risks.
Benefits for the exporter:
The letter of credit ensures the payment, if the documents submitted strictly meet the requirements of the letter of credit.
Collection, through a bank, of the money owed by the importer against certain documents submitted by the exporter, certifying the delivery of the goods.
Unlike the payment by documentary letter of credit, incasso settlement is relatively simple and cheap, but bank unsecured. Â It is based on the buyer payment obligation, undertaken under the international commercial contract, without any payment commitment from the involved banks.
The bank, acting as an intermediary between the importer and the exporter, transmits the documents, at the  exporter’s request, and receives the money for the exported goods.
Documentary incasso implies fulfilling the obligations by the exporter (delivery of the goods), before it receives a payment from the buyer (without ensuring in advance that the payment will be made).
Use this instrument if:
Exporter and the importer know each other very well.
No doubts in the importer’s ability to pay.
Political, economic and legislative conditions in the importer’s country are stable.
