Guide regarding card selection
International systems of payments, in which Moldindconbank participates:
Marks of cards:
Card mark has to be chosen taking into account the following moments:
- Types of operations, averages of usage and regions where the card is planed to be used;
- How much You are ready to pay for card service and the minimum balance You are ready to put;
- If the mark is accessible for this category of client (physical or legal person).
You should choose the currency of your account in dependence of the following moments:
- Regardless of the account currency, there are possible operations in different currencies, there is only the question regarding exchange charges;
- Usually, is recommended the account currency to be the same as Your incomes currency;
- During payments by card in countries where the national currency is another one than EURO or USD, there are performed the following conversions:
- From account currency => into lei,
- From lei => into dollars,
- From dollars => into the national currency;
That is why, in case when the card shall be used abroad for operations in EURO or other currencies, is recommended the account to be opened in lei in order to avoid the double conversion of currencies;
- If the card is supposed to be used for transfers from abroad, is recommended to choose the account value according to the currency of the transfers;
- If the card will be replenished by the client especially for use in the Republic of Moldova at ATMs and commercial offices, is more advantageous to open the card with the account in lei.
Tariffs: Every issued card is attributed to a tariff plan (colon from Tariffs). By the tariff plan there are defined all the conditions of the bank card issue and management, commission charges, limits and other conditions.
| Mark | Maestro/Cirrus | VISA Electron | MasterCard Standard / VISA Classic / VISA Gold |
|---|---|---|---|
| Logotype |   |
 |
  |
| Account currency : | MDL / USD / EUR | MDL / USD | MDL / USD / EUR |
| Types of accounts: | debit account credit account |
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| Types of operations: | Cash withdraw Payment for goods, services |
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| Regions where it is operated: | Republic of Moldova Abroad ATMs / commercial offices where is posted the card logotype |
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| Checking of balance: | Only in Moldindconbank network | At any ATM or bank terminal where VISA Electron is operated | MasterCard: Only in Moldindconbank network Visa: At any ATM or bank POS where Visa Classic is operated |
| Media types where it is operated: | ATMs POS terminals |
ATMs POS terminals internet fax, telephone |
ATMs POS terminals internet fax, telephone mechanical terminals |
| Authentication at ATMs: | PIN | PIN | PIN |
| Authentication at commercial offices and bank terminals: | PIN (rarely – signature) | Signature (optional and rarely – PIN) | Signature (optional and rarely – PIN) |
| Advantages: | The most accessible, the most secure |
accessible, secure, may be used by internet |
May be used in any media, the most comfortable |
| Conclusion: | It is an optimal solution for use in the Republic of Moldova and may be used abroad. | Is similar in functionality to Maestro / Cirrus, but may be used with success in payment for shopping by internet. | Cards for active persons with stable income, show customer solvency and offer maxim comfort. |
| Mark | Account currency | Optimal for… |
|---|---|---|
| Maestro / Cirrus | MDL | The most accessible and secure |
| USD / EUR | For transfers receipt from abroad | |
| MDL (for salary) | For projects regarding the remuneration of labor | |
| VISA Electron | MDL / USD / EUR | Accessible and functional, use by internet |
| MDL/ USD / EUR (Preferential) | For possessors of deposits | |
| MasterCard Standard VISA Classic |
MDL / USD / EUR | Maximum comfort in any circumstances |
| MDL (for salary) | Multifunctional card for salary | |
| VISA Gold | MDL / USD / EUR | Maximum comfort in any circumstances, prestigious and bank assistance in any situation |
| MDL (for salary) | Prestigious card for salary and management |