SWIFT/BIC codes in Moldova

Moldova: banks and their SWIFT/BIC codes

On this page you find the SWIFT/BIC codes of 21 institutions in Moldova, 28 codes in all. Every code points to a bank or a specific branch or department, so a payment from abroad reaches the right place.

Look for the bank you need below and open its page for all codes we have and the details a transfer needs. Further down we explain how codes from Moldova are built, how to send money to Moldova without overpaying and what to check before you pay.

Sending money to Moldova for less

An international bank payment to Moldova can cost more than the fee suggests. There is the transfer fee, sometimes fees from correspondent banks along the way and, above all, the exchange rate markup if the money is converted.

The real cost is often in the rate, rather than in the fee. Check the rate you are offered with the mid-market rate that you find on financial sites; the gap is what conversion costs you.

Specialist money transfer services frequently offer a rate near the mid-market rate and lower fees. GoldexPay lists transfer services side by side so you can see what actually arrives in Moldova before you commit.

Check the code before you pay

The most reliable place for the correct BIC is a document from the bank itself. If the code you have does not match our list, stop and ask – contact the recipient or their bank.

The directory on GoldexPay is compiled from public sources that we update periodically. Banks merge, close branches and change codes, and no directory catches every change immediately. Treat this list as a starting point rather than the last word; the recipient’s bank details are leading. GoldexPay is an independent comparison service and not part of any bank listed here.

Fraudsters regularly send fake invoices carrying new bank details that look completely genuine. Before paying, confirm a change of bank details through a separate channel.

Why a transfer to Moldova needs a SWIFT code

To pay into Moldova you almost always need the BIC – Moldova is not a SEPA country. Without it, your bank will not process the payment at all.

Depending on the country, accounts are identified by a local account number instead of an IBAN. Ask the recipient which details their bank requires for payments from abroad; banks often publish instructions for this. On the way to Moldova, a transfer may pass through correspondent banks that take a fee.

Which bank in Moldova has the most codes?

CJSC Agroprombank' tops the list of Moldova banks when it comes to the number of SWIFT/BIC codes. The head office of CJSC Agroprombank' has AGRRMD21XXX.

Many codes often means separate codes for branches, departments or services. Unless a branch code is given, AGRRMD21XXX is fine for a payment to CJSC Agroprombank'.

What a sender needs to pay you in Moldova

If you are waiting for a payment from another country in Moldova, send the payer a complete set of details. That means: your name as your bank knows it, your account number or IBAN, the BIC of your bank and sometimes your postal address.

The code of your bank is in our list, yet the version on your own statement or in your banking app is leading. You can add the name and city of your bank.

What lands in your account can be less than what was sent. Fees for incoming transfers differ per bank – your bank’s price list tells you what applies. Agree with the sender who pays which costs.

When does money sent to Moldova arrive?

How quickly a payment reaches Moldova is determined by a few things: which currency you send, how many intermediary banks are involved, cut-off times and time zones. Public holidays in either country add extra days, because banks do not process payments on those days.

When a payment takes longer than expected, the sender should contact the sending bank for a trace. Keep your transfer receipt until the money has arrived.

What the letters in a Moldova BIC mean

SWIFT/BIC codes follow the same format worldwide: eight characters. It starts with four letters for the bank, followed by a two-letter country code and a two-character location code.

You can recognise a bank code from Moldova by the fifth and sixth characters: they always show the ISO country code of Moldova. Codes with other letters in that position come from a bank abroad.

An 11-character code adds three characters for a branch – XXX stands for the head office. Use a branch code only if the recipient explicitly gives you one.