With MIA Instant Payments, money reaches its destination in just a few seconds – all you need is a mobile phone number. Developed by the NBM, this service makes transfers easier than ever.

You can activate the service for a single primary account in MDL, and you can change it anytime according to your needs.

What you can do with MIA:

• Instantly send money to friends or family using only their phone number.

• Send a transfer request to another person.

• Transfer money between your own accounts, even if they are at different banks.

• Pay easily by scanning a QR code or by accessing a received link.

Advantages of MIA Instant Payments:

• Fast and secure – transfers arrive within seconds to any payment account in the Republic of Moldova, while your personal data remains protected.

• Simple and convenient – you only need the recipient’s phone number, without entering card or bank account details.

• Available everywhere – the service works across all mobile apps and bank accounts of financial institutions in Moldova, ensuring easy and instant access to your money.

To send and receive transfers, you need to activate the method by selecting MIA Instant Payments from the payments or transfers menu in the ECBank app.

The tariffs for MIA instant payments applied by EuroCreditBank provide that transfers to third parties are free of charge for both the payer and the beneficiary up to a cumulative monthly amount of 20,000 MDL. For amounts exceeding this threshold, a commission of 0.5% is charged to the payer, but not more than 5 MDL per transaction, while the beneficiary is not charged any commission. The calculation period is the calendar month, starting from the 1st day of each month.

Regarding the limits for transfers carried out through the MIA instant payment system, the acceptance of transfer requests (RTP) received via the MIA system from legal entities is unlimited in terms of the number of transactions, with a limit of 100,000 MDL per transaction and a minimum amount of 1 MDL. Transfers via QR code to legal entities are also unlimited in number. For transfers via the MIA system to individuals (MIA P2P, acceptance of transfer requests, QR code transfers, and Me2Me transfers), there is no limit on the number of transactions; however, value limits apply: a maximum of 5,000 MDL per transaction, 20,000 MDL per day, and 80,000 MDL per month.