4 simple steps for instant transfers

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Select Instant Transfer (P2P)

In the MIA Instant Payments section, select P2P transfers – Transfer to a person.

Enter the phone number

On the transfer screen, enter the phone number or select the recipient from your contact list..

Check and confirm

If the recipient has activated MIA - you will be taken to the confirmation screen — check the first name and confirm.

Activate MIA Instant Payments

In your banking app, find MIA Settings, select the default account, and activate the service.

Why transfer with MIA?

Fast

The money you send arrives within seconds to any payment account in the country.

Secure

Forget about payment details — now you can transfer money easily, 24/7.

0% commission

You pay 0% commission for transfers up to 10,000 lei per month.

Transfer Methods Designed for You

P2P

Instant Transfer

RTP

Request transfer

Link

Payment via link

QR

Pay by QR

Me2Me

Me2Me Transfer

Pay by QR- code

Main image steps

Scan QR-code

Scan the QR code with your phone’s camera or directly from your banking app.

Enter or confirm the amount

On the payment screen, you will see the transfer amount or you will need to enter it manually.

Check and pay!

Make sure the payment details are correct and tap the “Confirm” button.

Questions and answers about MIA for individuals

Which account is used by default for MIA Instant Payments?

If you have activated MIA on two or more accounts, the funds will be received on the most recently activated account. To change the default account, open the banking app of the desired account and activate receiving MIA transfers by selecting that account. The new setting will override the previous ones.

What is the maximum limit for a transaction via MIA Instant Payments?

The limit is 5,000 MDL per transaction.

What is the daily limit for MIA Instant Payments transactions?

The National Bank of Moldova has recommended setting a daily cumulative limit of up to 25,000 MDL for payments initiated by an individual payer.
This recommended limit may be adjusted at the customer’s request following a risk assessment by the financial institution that serves them.

How long does a MIA Instant Payments transfer take?

The transaction is processed within a few seconds (maximum 10 seconds). The service is available 24/7. All you need is a device connected to the internet with a stable connection.

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