Financial products: savings and investment options on Moldova's financial market
Automatically translated summary. The full text is available in Romanian.
This information note explains the savings and investment options available on the financial market of the Republic of Moldova, from bank deposits to capital market instruments. It was produced under the National Financial Education Campaign run by the National Bank of Moldova and the Independent Think Tank “Expert-Grup”.
Keeping cash “under the mattress” earns nothing and risks losses from inflation, damage or theft. Banks offer demand deposits, term deposits and savings accounts, which differ in interest rate type, capitalisation, maturity and early termination terms. Bank deposits are guaranteed up to MDL 100,000 per depositor per bank, rising to MDL 200,000 from 2025. Savings deposits at savings and loan associations are not guaranteed.
The capital market offers shares, corporate and municipal bonds, and government securities, including treasury bills of 91, 182 and 364 days and government bonds. Crowdfunding has been legally regulated since early 2024 (Law 181/2023). Interest and dividend income is subject to a 6% tax withheld at source. The campaign was supported by the USAID MISRA project.
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