Moldova

MD · MDA · 498EuropeMDL L21 methods

Revised · 5 sources

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MIA instant payments system launched 2024, enabling real-time transfers via phone number/QR code; one in three Moldovans has used it

~2.1M

online population

~65%

banked adults

~40%

credit card population

Mix Methods Behaviour Banks Sources Facts

Payment mix

share of e-commerce spend

CategoryLeading methodShare

Cash—40%
CardVisa35%
Bank Transfer / MIAMIA Instant Payments15%
E-WalletGoogle Pay8%
Other—2%

Methods in use

top 8 of 21 · by spend

MethodTypeShare

All 21 methods in Moldova →

Checkout behaviour

Moldova became an operational SEPA member in October 2025, enabling EU-equivalent euro payment conditions

3.29 million cards in circulation at end-2024; virtual card adoption grew 118.7% versus 2023

Facts

ISO 3166: MD · MDA · 498
Region: Europe
Population: 2.6M
Currency: MDL L
Internet use: ~80%
Banked adults: ~65%
Methods live: 21
Banks covered: 1

Largest banks

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Sources

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