Currency exchange directly on your phone without visiting the bank.

Advantages:

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is a member of the Deposit Guarantee Scheme of the Republic of Moldova

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Now you can exchange currency between your card or current accounts via Energbank Mobile from Monday to Friday during business days.

With SMART CURS you get the best online currency exchange rate!

To use SMART CURS, download Energbank Mobile.

Have you ever wondered how you can get a better exchange rate? Energbank offers you the best exchange rate in the country.

Subject

if using our services/products, the result was not what you expected and you faced situations where you were dissatisfied with the quality of the products/services or with the behavior of the personnel involved in the service, send us your complaint by filling out the form.

Thank you in advance!

Dear customer,

Schimb valutar direct la tine în telefon, fără a te deplasa la bancă.

Avantaje:

Transmite-ne sugestiile / sesizările / părerile despre experiența de deservire, de utilizare a produselor și/sau de beneficierea de serviciile Energbank.

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Experiența ta este importantă pentru noi.

este membră a Schemei de Garantare a Depozitelor din Republica Moldova

Nume

Acum poți face schimburi valutare între conturile tale de card sau curente prin Energbank Mobile, de luni până vineri în zilele lucrătoare.

Cu SMART CURS beneficiezi de cel mai avantajos schimb valutar online!

Ca să te bucuri de SMART CURS, folosește și tu Energbank Mobile.

Te-ai întrebat cum poți beneficia de cel mai bun curs valutar? Energbank îți oferă cel mai avantajos curs valutar din țară.

Subiect

dacă beneficiind de serviciile/produsele noastre, rezultatul nu a fost cel așteptat și te-ai confruntat cu situații în care ai fost nemulțumit de calitatea produselor/serviciilor sau de comportamentul personalului implicat în deservire, transmite-ne reclamația ta, completând formularul.

Îți mulțumim anticipat!

Dragă client,

Выгодный обменный курс;

Отсутствие ограничений по срокам и суммам;

Обмен валюты прямо на вашем телефоне без посещения банка.

Преимущества:

Присылайте нам свои предложения/уведомления/мнения об опыте обслуживания, использовании продуктов и/или преимуществах услуг Energbank.

Мы используем файлы cookies для работы сайта, анализа трафика и улучшения вашего опыта. Вы можете принять все файлы cookies, только необходимые или настроить свои предпочтения. Подробнее в

Мы уважаем вашу конфиденциальность

Мы используем файлы cookies, чтобы предоставить посетителям лучший опыт работы в Интернете, персонализировать контент, анализировать трафик и обеспечить все функциональные возможности нашего веб-сайта.

Ваш опыт важен для нас.

является членом системы гарантирования вкладов Республики Молдова

Имя

Теперь вы можете обменивать валюту между своими карточными или текущими счетами через Energbank Mobile с понедельника по пятницу в рабочие дни.

С SMART CURS получаете самый выгодный курс обмена валюты онлайн!

Чтобы воспользоваться SMART CURS, скачайте Energbank Mobile.

Задумывались ли вы, как можете получить лучший обменный курс? Energbank предлагает вам лучший обменный курс в стране.

Тема

если при использовании наших услуг/продуктов результат оказался не таким, как вы ожидали, и вы столкнулись с ситуациями, когда вы были недовольны качеством продуктов/услуг или поведением персонала, задействованного в обслуживании, отправьте нам свою жалобу, заполнив форму форма.

Заранее спасибо!

Уважаемый клиент,

#ffffff

<div class="facem-split-section">
<div class="facem-content-wrapper">
<div class="facem-features-card">
<h3 class="card-subheading">Beneficiari &amp; Destinația creditului</h3>

<ul class="features-list">
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"><polyline points="20 6 9 17 4 12"></polyline></svg></div>
	<span><strong>Micro&icirc;ntreprinderi, &icirc;ntreprinderi mici și mijlocii</strong> &icirc;nregistrate &icirc;n Republica Moldova;</span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"><polyline points="20 6 9 17 4 12"></polyline></svg></div>
	<span>Atenție specială afacerilor <strong>deținute și/sau conduse de femei</strong>;</span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"><polyline points="20 6 9 17 4 12"></polyline></svg></div>
	<span>Finanțarea proiectelor de investiții, cu accent pe activități cu <strong>valoare adăugată</strong>.</span></li>
</ul>
</div>

<div class="facem-features-card">
<h3 class="card-subheading">Obiectivele programului</h3>

<ul class="features-list">
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"><polyline points="20 6 9 17 4 12"></polyline></svg></div>
	<span>&Icirc;mbunătățirea <strong>accesului IMM-urilor la finanțare</strong> pentru investiții;</span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"><polyline points="20 6 9 17 4 12"></polyline></svg></div>
	<span>Creșterea <strong>competitivității</strong> prin stimularea investițiilor cu valoare adăugată;</span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"><polyline points="20 6 9 17 4 12"></polyline></svg></div>
	<span>Sprijinirea creării de <strong>noi locuri de muncă</strong>;</span></li>
	<li>
	<div class="list-icon"><svg fill="none" height="20" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2.5" viewbox="0 0 24 24" width="20"><polyline points="20 6 9 17 4 12"></polyline></svg></div>
	<span>Promovarea <strong>creșterii incluzive</strong>, cu accent pe femeile din afaceri.</span></li>
</ul>
</div>
</div>
</div>
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.facem-split-section {
    max-width: 1000px;
    width: 100%;
    margin: 32px auto;
    padding: 0 15px;
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.facem-content-wrapper {
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    grid-template-columns: 1fr 1fr;
    gap: 24px;
    align-items: stretch;
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.facem-features-card {
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    border-radius: 12px;
    padding: 32px;
    border: 1px solid var(--border);
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}
.card-subheading {
    font-size: 20px;
    color: var(--text);
    margin: 0 0 20px 0;
    font-weight: 800;
}
.features-list {
    list-style: none;
    padding: 0;
    margin: 0;
}
.features-list li {
    display: flex;
    align-items: flex-start;
    margin-bottom: 16px;
    font-size: 15px;
    color: var(--muted);
    line-height: 1.5;
}
.features-list li:last-child {
    margin-bottom: 0;
}
.features-list li strong {
    color: var(--text);
    font-weight: 700;
}
.list-icon {
    margin-right: 12px;
    margin-top: 2px;
    flex-shrink: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: rgba(255, 153, 0, 0.1);
    width: 28px;
    height: 28px;
    border-radius: 50%;
}
@media (max-width: 768px) {
    .facem-content-wrapper {
        grid-template-columns: 1fr;
        gap: 16px;
    }
    .facem-features-card {
        padding: 20px;
    }
}
</style>


<div class="facem-benefits-section">
<h2 class="benefits-heading">Punctele forte ale programului</h2>

<div class="benefits-grid">
<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"><rect height="18" rx="2" ry="2" width="18" x="3" y="4"></rect><line x1="16" x2="16" y1="2" y2="6"></line><line x1="8" x2="8" y1="2" y2="6"></line><line x1="3" x2="21" y1="10" y2="10"></line></svg></div>

<h3 class="benefit-title">Termen lung</h3>

<p class="benefit-desc">Credite investiționale pe o perioadă extinsă</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"><line x1="19" x2="5" y1="5" y2="19"></line><circle cx="6.5" cy="6.5" r="2.5"></circle><circle cx="17.5" cy="17.5" r="2.5"></circle></svg></div>

<h3 class="benefit-title">Dob&acirc;ndă fixă</h3>

<p class="benefit-desc">Scăzută și fixă pentru creditele &icirc;n MDL</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"><polyline points="23 6 13.5 15.5 8.5 10.5 1 18"></polyline><polyline points="17 6 23 6 23 12"></polyline></svg></div>

<h3 class="benefit-title">Compensare</h3>

<p class="benefit-desc">Mecanism de compensare a dob&acirc;nzii / subvenție</p>
</div>

<div class="benefit-card">
<div class="benefit-icon"><svg fill="none" height="40" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="40"><circle cx="12" cy="12" r="10"></circle><polyline points="12 6 12 12 16 14"></polyline></svg></div>

<h3 class="benefit-title">Perioadă de grație</h3>

<p class="benefit-desc">P&acirc;nă la 24 de luni pentru afacerea ta</p>
</div>
</div>
</div>
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    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
}
.facem-benefits-section {
    max-width: 1000px;
    width: 100%;
    margin: 40px auto;
    padding: 0 15px;
    box-sizing: border-box;
}
.benefits-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 40px;
    text-align: center;
}
.benefits-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 24px;
    width: 100%;
}
.benefit-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    padding: 16px;
    background: #ffffff;
    border: 1px solid #eaeaea;
    border-radius: 12px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.02);
}
.benefit-icon {
    margin-bottom: 15px;
    display: flex;
    align-items: center;
    justify-content: center;
}
.benefit-title {
    font-size: 18px;
    font-weight: 700;
    color: var(--text);
    margin: 0 0 8px 0;
    line-height: 1.2;
}
.benefit-desc {
    font-size: 14px;
    color: var(--muted);
    margin: 0;
    line-height: 1.4;
}
@media (max-width: 900px) {
    .benefits-grid {
        grid-template-columns: repeat(2, 1fr);
    }
}
@media (max-width: 480px) {
    .benefits-grid {
        grid-template-columns: 1fr;
    }
    .benefits-heading {
        font-size: 24px;
        margin-bottom: 24px;
    }
}
</style>


<div class="facem-conditions-section">
<h2 class="conditions-heading">Condițiile creditului</h2>

<div class="conditions-card">
<div class="condition-row">
<div class="condition-label">Monedă</div>

<div class="condition-value main-highlight">MDL</div>
</div>

<div class="condition-row">
<div class="condition-label">Termen credit</div>

<div class="condition-value">P&acirc;nă la 10 ani</div>
</div>

<div class="condition-row">
<div class="condition-label">Sumă minimă</div>

<div class="condition-value">200.000 MDL</div>
</div>

<div class="condition-row">
<div class="condition-label">Sumă maximă</div>

<div class="condition-value">5.000.000 MDL</div>
</div>

<div class="condition-row">
<div class="condition-label">Dob&acirc;ndă fixă (MDL)</div>

<div class="condition-value">
<div class="rate-box">
<p><strong>5,5% anual</strong> pentru activități cu valoare adăugată</p>
</div>

<div class="rate-box">
<p><strong>6,0% anual</strong> pentru alte activități</p>
</div>
</div>
</div>

<div class="condition-row">
<div class="condition-label">Compensare dob&acirc;ndă</div>

<div class="condition-value">
<div class="rate-box">
<p><strong>0,75%</strong> pentru 1 loc de muncă creat</p>
</div>

<div class="rate-box">
<p><strong>1,50%</strong> pentru cel puțin 2 locuri de muncă create</p>
</div>
</div>
</div>

<div class="condition-row">
<div class="condition-label">Perioadă de grație</div>

<div class="condition-value">P&acirc;nă la 24 luni</div>
</div>

<div class="condition-row">
<div class="condition-label">Comision bancar (maxim)</div>

<div class="condition-value">0,5% plătit de către IMM-urile beneficiare</div>
</div>

<div class="condition-row no-border">
<div class="condition-label">Eligibilitate</div>

<div class="condition-value">Conform criteriilor generale ale Băncii și specifice ale Programului.</div>
</div>
</div>
</div>
<style type="text/css">:root {
    --brand: #FF9900;
    --text: #1a1a1a;
    --muted: #4b4b4b;
    --border: #eaeaea;
}
.facem-conditions-section {
    max-width: 1000px;
    width: 100%;
    margin: 40px auto;
    padding: 0 15px;
    box-sizing: border-box;
}
.conditions-heading {
    font-size: 28px;
    font-weight: 800;
    color: var(--text);
    margin-bottom: 24px;
    text-align: center;
}
.conditions-card {
    background: #ffffff;
    border-radius: 16px;
    border: 1px solid var(--border);
    padding: 24px 32px;
    box-shadow: 0 4px 12px rgba(0, 0, 0, 0.03);
}
.condition-row {
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    padding: 16px 0;
    border-bottom: 1px solid #f0f0f0;
}
.condition-row.no-border {
    border-bottom: none;
    padding-bottom: 0;
}
.condition-label {
    flex: 0 0 35%;
    font-size: 16px;
    font-weight: 600;
    color: var(--muted);
}
.condition-value {
    flex: 1;
    font-size: 16px;
    color: var(--text);
    line-height: 1.4;
    font-weight: 500;
}
.main-highlight {
    font-size: 18px;
    font-weight: 800;
    color: var(--text);
}
.rate-box {
    background: #f9fafb;
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    border-radius: 8px;
    margin-bottom: 8px;
}
.rate-box:last-child {
    margin-bottom: 0;
}
.rate-box p {
    margin: 0;
    font-size: 14px;
    color: var(--muted);
}
.rate-box strong {
    color: var(--text);
    font-weight: 800;
}
@media (max-width: 768px) {
    .conditions-card {
        padding: 20px 16px;
    }
    .conditions-heading {
        font-size: 24px;
    }
    .condition-row {
        flex-direction: column;
        gap: 8px;
        padding: 14px 0;
    }
    .condition-label {
        width: 100%;
        color: var(--brand);
    }
    .condition-value {
        width: 100%;
        font-size: 15px;
    }
}
</style>


<div class="eb-partners-section">
<div class="eb-partners-container">
<div class="eb-logo-item" style="--logo-width: 140px;"><img alt="" src="www.energbank.com/api/v1/static/storage/02/04/2026/oda.png" /></div>

<div class="eb-logo-item" style="--logo-width: 160px;"><img alt="" src="www.energbank.com/api/v1/static/storage/02/04/2026/KFV.png" /></div>

<div class="eb-logo-item" style="--logo-width: 130px;"><img alt="Partener 3" src="calea/catre/logo3.png" /></div>
</div>
</div>
<style type="text/css">.eb-partners-section {
    max-width: 1000px;
    width: 100%;
    margin: 40px auto;
    padding: 20px 15px;
    box-sizing: border-box;
}

.eb-partners-container {
    display: flex;
    flex-direction: row;
    justify-content: center;
    align-items: center;
    gap: 60px;
    width: 100%;
}

.eb-logo-item {
    display: flex;
    justify-content: center;
    align-items: center;
    width: var(--logo-width, 150px);
    flex-shrink: 1;
    transition: transform 0.2s ease;
}

.eb-logo-item img {
    width: 100%;
    height: auto;
    object-fit: contain;
    display: block;
}

@media (max-width: 768px) {
    .eb-partners-section {
        margin: 20px auto;
        padding: 15px 10px;
    }

    .eb-partners-container {
        gap: 20px;
        justify-content: space-evenly;
    }

    .eb-logo-item {
        max-width: 28vw; 
    }
}
</style>
<p><a href="https://www.energbank.com/api/v1/static/storage/02/04/2026/oda.png">1</a> , <a href="https://www.energbank.com/api/v1/static/storage/02/04/2026/KFV.png">2</a> , 3</p>


<div class="facem-intro-section">
<div class="definition-wrapper">
<div class="definition-icon"><svg fill="none" height="24" stroke="#FF9900" stroke-linecap="round" stroke-linejoin="round" stroke-width="2" viewbox="0 0 24 24" width="24"><path d="M21 16V8a2 2 0 0 0-1-1.73l-7-4a2 2 0 0 0-2 0l-7 4A2 2 0 0 0 3 8v8a2 2 0 0 0 1 1.73l7 4a2 2 0 0 0 2 0l7-4A2 2 0 0 0 21 16z"></path><polyline points="3.27 6.96 12 12.01 20.73 6.96"></polyline><line x1="12" x2="12" y1="22.08" y2="12"></line></svg></div>

<div class="definition-content">
<p class="definition-text">Componenta principală a Proiectului <strong>&bdquo;Facilitatea de Dezvoltare a IMM-urilor din Moldova&rdquo; (FACEM)</strong>, finanțat de Ministerul Federal German pentru Cooperare și Dezvoltare Economică (BMZ), gestionat de Banca Germană de Dezvoltare KfW și implementat de ODA. Programul promovează dezvoltarea sectorului privat și &icirc;ntărește accesul la finanțare pentru &icirc;ntreprinderi micro, mici și mijlocii (IMM).</p>
</div>
</div>
</div>
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    --muted: #4b4b4b;
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.facem-intro-section {
    max-width: 1000px;
    width: 100%;
    margin: 40px auto 20px auto;
    padding: 0 15px;
    box-sizing: border-box;
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.definition-wrapper {
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    align-items: flex-start;
    background-color: var(--bg-light);
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    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
}
.definition-icon {
    margin-right: 16px;
    margin-top: 2px;
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.definition-content {
    display: flex;
    flex-direction: column;
}
.definition-text {
    font-size: 16px;
    line-height: 1.6;
    color: var(--muted);
    margin: 0;
}
.definition-text strong {
    color: var(--text);
    font-weight: 700;
}
@media (max-width: 768px) {
    .definition-wrapper {
        flex-direction: column;
        align-items: center;
        text-align: center;
        border-left: none;
        border-top: 5px solid var(--brand);
        border-radius: 6px 6px 8px 8px;
        padding: 20px 16px;
    }
    .definition-icon {
        margin-right: 0;
        margin-bottom: 12px;
    }
}
</style>


FACEM Investiții Sustenabile BGK

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