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.
What should I do if my phone number is associated with another person?
If, when activating MIA Instant Payments, you receive a notification that your phone number is already associated with another person, please contact the support service of the financial institution that serves you.
The institution will initiate a data update procedure. This involves contacting the provider that performed the current registration and is carried out only after the information has been confirmed.
To facilitate or speed up the process, we recommend presenting a certificate issued by your mobile network operator confirming that the phone number belongs to you.
What should I do if a MIA transaction was not completed?
1. Check the transaction status in your banking app.
2. Refresh the payer’s account balance to make sure you have sufficient funds to initiate the transaction.
3. If the amount was debited but does not appear on the recipient’s account, contact the support service of the financial institution through which the transfer was initiated.
What happens if I activate MIA at multiple financial institutions?
The default account for receiving transfers by phone number will always be the one set most recently. The other accounts will remain active in the system and can be used for transfers between your own accounts opened at different institutions (the Me2Me functionality). Therefore, we recommend activating MIA in all financial apps where you hold active accounts.
How can I transfer money between accounts at different financial institutions?
Use MIA Me2Me transfers:
1. Open your banking app.
2. In the MIA Instant Payments menu, select the Me2Me option.
3. Choose the financial institution to which you want to transfer the amount.
It is important to have MIA activated in all apps where you hold accounts in order to see the complete list.
Are there any fees for MIA Instant Payments transactions?
The fee is 0% for transfers with a cumulative monthly amount of up to 10,000 MDL. Once this amount is exceeded, a 0.5% fee applies, capped at 5 MDL per transfer.
Can I use MIA Instant Payments for international payments?
No. At the moment, the service is available only for payments in Moldovan lei (MDL) between accounts opened in the Republic of Moldova.