Transfer to bank account
Visa or Mastercard from a Moldovan bank. Banks: Moldindconbank, MAIB, Victoriabank, Energbank. Details: recipient's full name, IBAN MD (24 alphanumeric characters). Amount discussed with ATM24 manager
- Maib
- MIB
- Victoriabank
MoldovaMDLMoldovan Leu
Money Transfer to Moldova
- We lock the rate before payment
- More than 100 transfers every day
- Support at every stage of the transfer
16.53 MDLper 1 USDT+0.1% over 24hCalculation refreshed today at 06:491 USDT = 16.53 MDLOfficial rate; the final rate in the request may differ.
Lei to family in Moldova: to Visa/Mastercard, IBAN MD, or cash. Moldova has not imposed sanctions against Russia – SWIFT transfers from Russians go through without restrictions. You submit a request online, an ATM24 manager contacts you and confirms the route within 15 minutes.
How to send money to Moldova from Russia: MDL to card, bank account, and cash
The route, the receiving bank and the payout amount are agreed before payment.
Moldova traditionally holds a significant place in terms of the role of money transfers in the country's economy. Moldovan workers in Russia regularly send money to family for rent, utilities, children's education, and everyday expenses. MAIB, Moldindconbank, and Victoriabank work with international SWIFT transfers, but the ability to receive a specific payment from Russia depends on the bank, correspondent route, amount, and AML/KYC check results.
Bank accounts, cards and processing times
ATM24 carries out transfers in MDL to Moldovan bank accounts through available international routes. For crediting, an IBAN starting with MD and containing 24 characters in total is used: MD + 22 subsequent characters. Visa and Mastercard cards from Moldovan banks may also be used to receive transfers depending on the chosen crediting method. For domestic transfers within Moldova, crediting to a local account or card may take from several minutes. An international SWIFT transfer takes several business days; the exact timeframe depends on the receiving bank and route.
Cash payouts and transfer conditions
Cash MDL is available in select directions; current cities and pickup points are clarified when submitting an ATM24 request. Payment from Russia is possible in RUB, USDT, and other available currencies. Terms of transfer to Moldova: country — Moldova. Receiving currency — MDL (Moldovan leu). Sending currency — RUB, USDT, and other available currencies. Receiving methods — bank account with IBAN MD, Visa or Mastercard, as well as cash MDL. ATM24 commission — from 0.9%. Application processing time — up to 15 minutes (ATM24 SLA). International crediting time — several business days. Minimum amount depends on the chosen transfer method and is clarified before processing.
Payment infrastructure
Moldova's payment infrastructure. Financial regulator — BNM (Banca Națională a Moldovei, National Bank of Moldova). National currency — MDL (Moldovan leu); 1 leu = 100 bani. For bank transfers, an IBAN starting with MD and containing 24 characters in total is used: MD + 22 subsequent characters. IBAN is mandatory for bank transfers in Moldova, including international ones. Visa and Mastercard are widely used in shops and services; the ATM network is well developed. For transactions of 10,000 USD equivalent and above, banks may request documents on the source of funds and payment purpose; for large and unusual transfers, the likelihood of additional AML checks is higher. BNM publishes the official MDL exchange rate daily, and ATM24 publishes the current market rate for transfer calculation.
Three ways to receive MDL: card, IBAN MD, or cash
Pick the way that suits the recipient — we agree the route and the details before payment
Transfer to bank account (IBAN MD)
Bank account with IBAN MD + 22 characters (24 total). SWIFT through correspondents: Moldindconbank (MOLDMD2X), MAIB (AGROMD2X). Details: IBAN MD, recipient's full name, bank SWIFT code. Crediting currency, conversion, and correspondent route availability are confirmed before payment.
- Maib
- MIB
- Victoriabank
Cash MDL
Moldovan lei in Chisinau and other cities. List of pickup points - check with manager. Timeline agreed with ATM24 manager. Suitable for recipients without a bank account
- Payment from Russia: RUB cash, USDT
- Kishineu
- Tiraspol
- Balti
To transfer to Moldova, provide: IBAN MD (24 characters), recipient's full name, bank SWIFT code. ATM24 manager verifies details and confirms the route before payment. IBAN starts with MD – do not confuse with other formats (EU, UA, etc.).
Rates and cost of a transfer to Moldova
We accept RUB, USD, EUR and USDT — we pay out in MDL
Reference rate for today
RUB MDL
0.1844per 1 RUB
10 000 ₽ = 1 844 MDLUSD MDL
16.53per 1 USD
100 $ = 1 653 MDLEUR MDL
18.74per 1 EUR
100 € = 1 874 MDLUSDT MDL
16.53per 1 USDT
100 USDT = 1 653 MDL
What the recipient gets — at 1 USDT = 16.53 MDL
| You send | Payout in MDL |
|---|---|
| 100 USDT | 1 653 MDL |
| 300 USDT | 4 959 MDL |
| 500 USDT | 8 266 MDL |
| 1 000 USDT | 16 531 MDL |
| 5 000 USDT | 82 657 MDL |
Banks and payment infrastructure — Moldova
Where recipients usually get the money in Moldova
Maib
Type: Private; SWIFT reception: Yes (AGROMD2X); Features: Second largest bank. Agriculture-focused, but serves retail individuals as well.
MIB
Moldindconbank MIB — a commercial bank providing accounts, cards, and transfers. It is suitable for recipients who use bank account details.
Victoriabank
Type: Private; SWIFT reception: Yes (VICBMD2X); Features: Subsidiary of Banca Transilvania (Romania). Receives SWIFT transfers from Russia.
OTP Bank Moldova
OTP Bank Moldova — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
ProCredit Bank Moldova
ProCredit Bank Moldova — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
How payments work in Moldova
National currency
The national currency is the Moldovan leu (MDL), ISO 4217 code - MDL; the official rate is published by BNM, with the leu rate being floating.
Card systems
Visa and Mastercard are widely distributed in Moldova; UnionPay is also present and gradually expanding its use.
Payment applications
Moldcell Money and Orange Money - mobile wallets for domestic payments. Mpay - national payment aggregator. Revolut is widely used for international transfers due to a large Moldovan diaspora.
Interbank transfers
IBAN format starts with MD and contains 24 characters in total: MD + 22 subsequent characters; used for incoming international bank transfers.
Financial regulator
For transactions of 10,000 USD equivalent and above, banks may request documents on the source of funds and payment purpose; for large and unusual transactions, the likelihood of additional AML checks is higher.
Features for ATM24
Western Union and MoneyGram for transfers from Russia are unavailable or significantly limited, so available international bank routes, including SWIFT through ATM24, are used.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
How the transfer works to Moldova
Three steps from request to payout
Step Send a request
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
Step Agree the route
We check the recipient details and confirm the route, rate, fee and payout amount
Step Pay for the transfer
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
What to prepare for the transfer
Transfer to bank account
- Details: recipient's full name, IBAN MD (24 alphanumeric characters)
Transfer to bank account (IBAN MD)
- SWIFT through correspondents: Moldindconbank (MOLDMD2X), MAIB (AGROMD2X)
- Details: IBAN MD, recipient's full name, bank SWIFT code
We verify the exact details when agreeing the available route before payment.
Why people choose ATM24
Facts, not promises
No surprises on the rate
You see the rate, the fee and the payout amount before you send the money.
Request to MoldovaLocked in
- Rate
- 1 USDT = 16.53 MDL
- Payout method
- Bank transfer
- Payout currency
- MDL
Terms are known before payment
The route, rate, fee and payout amount are agreed before payment.
- Route
- Rate
- Payout amount
The timing is known upfront
Only timing stated for an available method is shown. The terms are confirmed before payment.
- Bank transfer
- Bank transfer
Cash payout
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
- Kishineu
- Tiraspol
- Balti
Confirm the city before payment
Available payout options
Only methods present in both the country description and the current route are shown.
You send
MDL
- RUB
- USD
- EUR
- USDT
They receive
Customer reviews
Real stories from real people
alxblk
The rate is lower than other exchangers. They responded quickly, I withdrew promptly
Read full reviewMikhail
Trustpilot
10 minutes - international transfer is done. All the wuestions are answered quickly and clearly. My respect and recommendations.
Read full reviewАшот Серопян
Used the service today to receive cash baht for rubles from a Russian card. Everything went well, they clearly explained how and what to do. Thanks to manager Stanislav.
Read full reviewDaniil Karfidov
Excellent service, within 20 minutes after contacting them I withdrew cash at a local ATM, satisfied with the communication and service, thanks to Stanislav! the rate is acceptable
Read full reviewДимитрий Плешанов
I’m writing a review because it might be useful ) thanks to Alisa=* I exchanged money in Thailand (Pattaya) they offered a good rate, I thought well everything is going well... contacted the operator, a couple of steps, they send the phone number to which I should transfer the money, and here I froze, given that there are many scammers now, it got sketchy (and I always used to scold those who fall for different schemes, thinking you’re idiots), I double-checked the site, the reviews, seemed legit, not a fake, I thought well if I get scammed I get scammed, I needed the money, I was exchanging 32k, I send the money, send the receipt, and the operator replies "have a good day)" and then it hit me, I thought that’s it Dima you’ve been f...scammed... shaking... but a couple of minutes pass and the operator sends the number and code, and only then I relaxed, I haven’t felt such a thrill in a long time )))) In short... everything is good, everything went fine, the guys are great, you can use them!!!
Read full reviewDmitry Shalnev
Everything went great. It was my first time. I received the money through an ATM. Nothing complicated. Operator Ekaterina explained everything. So I recommend it.
Read full reviewTransfers to other countries
We agree the rate and the payout method before payment — pick where the money goes.
- ThailandTHB
- United Arab EmiratesAED
- TurkeyTRY
- IndonesiaIDR
- VietnamVND
- ChinaCNY
- KenyaKES
- GermanyEUR
- KazakhstanKZT
All directions200+ countries
Country not found
- AfghanistanAFN
- AlbaniaALL
- Algeria
- AndorraEUR
- AngolaAOA
- AnguillaXCD
- Antigua and BarbudaXCD
- ArgentinaARS
- ArmeniaAMD
- Aruba
- AustraliaAUD
- AustriaEUR
- AzerbaijanAZN
- BahamasBSD
- BahrainBHD
- BangladeshBDT
- BarbadosBBD
- BelgiumEUR
- BelizeBZD
- BeninXOF
- BermudaBMD
- BhutanBTN
- BoliviaBOB
- Bosnia and HerzegovinaBAM
- BotswanaBWP
- BrazilBRL
- British Virgin IslandsUSD
- BruneiBND
- BulgariaEUR
- Burkina FasoXOF
- BurundiBIF
- Cabo VerdeCVE
- CambodiaKHR
- CameroonXAF
- CanadaCAD
- Cayman IslandsKYD
- Central African RepublicXAF
- ChadXAF
- ChileCLP
- ChinaCNY
- ColombiaCOP
- ComorosKMF
- CongoXAF
- Cook IslandsNZD
- Costa RicaCRC
- Cote d'IvoireXOF
- CroatiaEUR
- CuracaoXCG
- CyprusEUR
- CzechiaCZK
- DenmarkDKK
- DjiboutiDJF
- DominicaXCD
- Dominican RepublicDOP
- DR CongoCDF
- EcuadorUSD
- EgyptEGP
- El SalvadorUSD
- Equatorial GuineaXAF
- EritreaERN
- EstoniaEUR
- EswatiniSZL
- EthiopiaETB
- Falkland IslandsFKP
- FijiFJD
- FinlandEUR
- FranceEUR
- French GuianaEUR
- French PolynesiaXPF
- GabonXAF
- GambiaGMD
- GeorgiaGEL
- GermanyEUR
- GhanaGHS
- Gibraltar
- GreeceEUR
- GrenadaXCD
- GuadeloupeEUR
- GuatemalaGTQ
- GuineaGNF
- Guinea-BissauXOF
- GuyanaGYD
- HaitiHTG
- HondurasHNL
- Hong KongHKD
- HungaryHUF
- IcelandISK
- IndiaINR
- IndonesiaIDR
- IraqIQD
- IrelandEUR
- IsraelILS
- ItalyEUR
- JamaicaJMD
- JapanJPY
- JordanJOD
- KazakhstanKZT
- KenyaKES
- KosovoEUR
- KuwaitKWD
- KyrgyzstanKGS
- LaosLAK
- LatviaEUR
- LebanonLBP
- LesothoZAR
- LiberiaLRD
- LiechtensteinCHF
- LithuaniaEUR
- LuxembourgEUR
- MacaoMOP
- MadagascarMGA
- MalawiMWK
- MalaysiaMYR
- MaldivesMVR
- MaliXOF
- MaltaEUR
- Marshall IslandsUSD
- MartiniqueEUR
- MauritaniaMRU
- MauritiusMUR
- MayotteEUR
- MexicoMXN
- MicronesiaUSD
- MonacoEUR
- MongoliaMNT
- MontenegroEUR
- MontserratXCD
- MoroccoMAD
- MozambiqueMZN
- MyanmarMMK
- Namibia
- NauruAUD
- NepalNPR
- NetherlandsEUR
- New ZealandNZD
- NicaraguaNIO
- NigerXOF
- NigeriaNGN
- NiueNZD
- North MacedoniaMKD
- Northern CyprusTRY
- NorwayNOK
- OmanOMR
- PakistanPKR
- PalauUSD
- PalestineILS
- PanamaPAB
- Papua New GuineaPGK
- ParaguayPYG
- PeruPEN
- PhilippinesPHP
- PolandPLN
- PortugalEUR
- QatarQAR
- ReunionEUR
- RomaniaRON
- RussiaRUB
- RwandaRWF
- Saint BarthelemyEUR
- Saint Kitts and NevisXCD
- Saint LuciaXCD
- Saint MartinEUR
- Saint Vincent and the GrenadinesXCD
- SamoaWST
- San MarinoEUR
- Sao Tome and PrincipeSTN
- Saudi ArabiaSAR
- SenegalXOF
- SerbiaRSD
- SeychellesSCR
- Sierra LeoneSLE
- SingaporeSGD
- Sint MaartenXCG
- SlovakiaEUR
- SloveniaEUR
- Solomon IslandsSBD
- SomaliaSOS
- SomalilandSOS
- South AfricaZAR
- South KoreaKRW
- South SudanSSP
- SpainEUR
- Sri LankaLKR
- SudanSDG
- SurinameSRD
- SwedenSEK
- SwitzerlandCHF
- Taiwan
- TajikistanTJS
- TanzaniaTZS
- ThailandTHB
- TogoXOF
- TongaTOP
- Trinidad and TobagoTTD
- TunisiaTND
- TurkeyTRY
- TurkmenistanTMT
- Turks and Caicos IslandsUSD
- TuvaluAUD
- UgandaUGX
- United Arab EmiratesAED
- United KingdomGBP
- UruguayUYU
- UzbekistanUZS
- VanuatuVUV
- VenezuelaVES
- VietnamVND
- Yemen
- ZambiaZMW
- ZimbabweUSD
Questions about transfers to Moldova: MDL, lei, and Chisinau banks
Below are answers to frequently asked questions about the Moldovan leu, exchange rates, and ways to send money from Russia to Moldova.
How can I send money to Moldova with payout in MDL through ATM24?
To send money to Moldova with payout in MDL through ATM24, choose bank account, supported card payout, or another confirmed route. The manager checks Moldindconbank, Victoriabank, UniBank, OTP Bank, or the selected bank and confirms the MDL amount before payment. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
Can the recipient receive a transfer on a card or bank account in Moldova in MDL?
For Moldova, ATM24 checks whether the MDL payout should go to a bank account or supported card route. Moldindconbank, Victoriabank, UniBank, and OTP Bank can have different recipient-data requirements. The manager confirms the MDL route, bank details, and payout method before the sender pays. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
Which banks can receive a transfer to Moldova in MDL?
For Moldova, MDL transfers can be checked through Moldindconbank, Victoriabank, UniBank, OTP Bank, and MAIB. ATM24 verifies account or card details before payment. The recipient bank must match the selected MDL payout route.
What recipient details are needed to send money to Moldova in MDL?
For an MDL transfer to Moldova, ATM24 reviews recipient name, Moldindconbank, Victoriabank, UniBank, OTP Bank, card route, or account route. Bank-account data and card data are checked separately. The MDL payout route is confirmed before payment. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
How long does a money transfer to Moldova in MDL take?
An MDL transfer to Moldova can start from 15 minutes after Moldindconbank, Victoriabank, UniBank, OTP Bank, card route, or account route is checked. Bank response and recipient details affect timing. The manager confirms the expected MDL payout time before payment. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
What is the fee for sending money to Moldova with payout in MDL?
The ATM24 fee for a MDL transfer to Moldova starts from 0.9%. Moldindconbank, Victoriabank, UniBank, and OTP Bank routes are checked by account format, recipient name, and payout method before payment. Any conversion or transfer fee charged by the sender's provider is separate. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
Can I pay by international card, bank transfer, or USDT while the recipient receives MDL in Moldova?
Yes, ATM24 can calculate an MDL transfer to Moldova when the sender pays by an available card, bank transfer, USDT, or another confirmed method. The manager checks Moldindconbank, Victoriabank, UniBank, OTP Bank, card route, or account route before payment. External card, bank, or network charges are not included in the MDL payout amount. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
What is the minimum and maximum transfer amount to Moldova in MDL?
MDL transfers to Moldova through ATM24 start from 100 USD or the equivalent. The maximum amount depends on Moldindconbank, Victoriabank, UniBank, OTP Bank, card payout, account payout, and possible documents. If the route changes, the MDL limit is recalculated before payment. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
What documents are needed for a large transfer to Moldova in MDL?
For a large MDL transfer to Moldova, ATM24 checks Moldindconbank, Victoriabank, UniBank, OTP Bank, card payout, or account payout. Sender ID, source-of-funds details, recipient bank data, and payment purpose may be required. The manager confirms the MDL document checklist before payment. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
How much will the recipient get in MDL if I send 1000 USD to Moldova?
For a 1000 USD transfer to Moldova, the MDL estimate is calculated through Moldindconbank, Victoriabank, UniBank, OTP Bank, card payout, or account payout: 16,531.41 MDL. ATM24 checks fee from 0.9%, exchange conditions, and recipient route. The final MDL amount is fixed before payment. Bank-route examples for Moldova: Moldindconbank, Victoriabank, UniBank, OTP Bank, and National Bank of Moldova.
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