Personal accounts: Moldova
An honest assessment before work starts, the quote is fixed in writing.
A personal account in Moldova is opened by foreigners moving here on a residence permit, working or studying, by owners of Moldovan companies and IT park residents, and by people keeping part of their savings in an EU candidate country with clear banking rules. Banks are supervised by the National Bank of Moldova, and the currency is the Moldovan leu, but accounts are also opened in euro and dollars. Many banks serve clients in Romanian, Russian and English.
Who can open a personal account
| Your status | Chances | What else the bank will ask |
|---|---|---|
| Moldovan resident with an ID and personal number | high | ID, address, source of income |
| Foreigner with a residence permit | high | foreigner's ID, employment contract or company documents |
| Owner or director of a Moldovan company | high to medium | company documents, source of funds |
| Non-resident with a business link to Moldova | medium | passport, purpose of the account, documented income |
| Non-resident with no link to Moldova | low | a convincing purpose and source of funds |
We will calculate online the cost of opening a personal account and maintaining it for a year.
What the bank checks
- Passport, for residents an ID card or residence permit with a personal number.
- Address in Moldova or in the country of residence.
- Purpose of the account: salary, family expenses, dividends from a Moldovan company, savings.
- Source of funds: employment contract, statements, documents on the sale of a business or assets.
- Tax residence: Moldovan banks ask where you pay tax and share information under international agreements.
Instant payments and euro transfers
Since 12 March 2024 Moldova has had National Bank instant payments: money reaches an account at any Moldovan bank within seconds, and the recipient can be identified by phone number. Transfers up to 10,000 lei a month are free, and above that the fee is no more than 5 lei per transfer. Since 6 October 2025 Moldova has been part of the Single Euro Payments Area, so euro transfers between Moldova and the EU are fast and almost free.
Deposit protection and taxes
| Question | How it works |
|---|---|
| Deposit guarantee | since 1 January 2025, up to 200,000 lei per depositor per bank, ~$11,200 |
| Tax on interest for residents | 6%, withheld by the bank |
| Tax on interest for non-residents | 12%, lower under a double tax treaty with a residence certificate |
| Account currencies | lei, euro, dollars and others |
Dollar amounts are converted at the official National Bank of Moldova rate of 5 October 2026, 17.892 lei per dollar, and rounded up. The deposit guarantee is planned to rise gradually towards the European level.
How the opening works
- Assessment of your status and choice of a bank for currencies, transfers and service level.
- Document pack: passport or ID, address, purpose of the account, source of funds.
- Branch visit or video verification, signing the agreement.
- Card, online banking and instant payments set up.
For residents with documents the account is often opened on the day of the visit. For non-residents the review takes from a few days to two or three weeks.
Who gets refused
The bank will refuse if the client has no link to Moldova and no clear purpose for the account, if the source of money cannot be proven with documents, or if the client or their money is linked to sanctions. We check whether the bank works with Russian citizens before preparing documents.
What we do
Murblz specialists assess the chances before applying, choose a bank in Moldova, prepare documents and the explanation of the source of funds, arrange the visit or video call and handle correspondence with the bank until the account is open. If you are opening a Moldovan company or moving, we prepare the personal account together with the company account and residence documents. We fix the estimate in writing; the decision to open an account always rests with the bank.
What we do
- Personal account - opening assistance
See also
Company formation · Business account · Investment property · All country programs
FAQ
Can a non-resident open a personal account in Moldova?
Do I need to travel to Moldova?
Is money in a Moldovan bank protected?
What tax is charged on deposit interest?
Can I send euro to the EU as within the EU?
How much does it cost to open an account with your help?
Need a personal account with a Moldovan bank?
We match a Moldovan bank to your citizenship, prepare proof of income and follow the account opening to a decision. Every country is in the searchable catalogue.
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