Payment Card Year Books


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Payment Organization 


Domestic Card Brand 


Market Structure 

  • The Moldovan retail banks issue cards with one of the MasterCard or VISA brands. 
  • While ATM transactions are the dominant form of card use, POS payments are growing fast, showing a CAGR of 39.5% between 2010 and 2015. Over the same period, ATM withdrawals grew by CAGR 6.3%. 
  • Card use in Moldova is still one of the lowest in the world. In 2015, there were 2.5 card payments per capita. 
  • Cash is the dominant means of exchange, with credit transfers for corporate payments. Direct debits were launched in 2003. 
  • In 2015, NBM withdrew the license for financial activities of three banks and initiated the process of their forced liquidation. 
  • In June 2014, Moldova and the EU signed a formal association agreement with the objective of postponed EU membership. 

Notable Market Trends 

Contactless cards and POS terminals; 3D Secure technology with a dynamic single-use code. 

    Updated information about:

    Major Issuers, Major Acquirers, Major Processors and Consumer Finance indicator.

    Statistical Key Figures for 2015 provided in this profile:

    • UPDATED: tables with card business data 2011-2015; growth rates: Y-o-Y, CAGR
    • Population, Cards per Capita, Card Value per Capita
    • Debit Cards, Credit/Delayed Debit Cards, Total Cards
    • Card payments by number and by value, ATV per card, payments per card/year
    • ATMs, POS terminals, ATMs/POS terminals per 1 million capita
    • ATM withdrawals by number/by value, ATV per withdrawal, TXs per ATM/month
    • POS payments by number/by value, ATV per POS payment, TXs per POS/month
    • Internet Use, e-payment mix, B2C e-Commerce by value and growth rate
    • Issued Card brands by individual major issuer bank
    • Accepted card brands by individual major acquirer
    • Drill down into the debit card use and credit cards use details

    Product information

    Digital product provided in PDF format. You will receive a download link to a zip file containing your files after checkout. 


    1.1(090117) last updated 9th January 2017