ECBank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ECBank suits Moldovan savers who can leave money in place: the headline rate of 4.25% sits well above the 3% typical here, and conversions cost 0.1%. The trade-off is the monthly fee of MDL 100 on the freelancer package, and the access terms allow no withdrawal before 3 is up.
Key facts
- Best for
- A fixed-term Moldovan deposit with a low conversion fee on transfers.
- Monthly fee
- MDL 100↗
- Currency conversion fee
- 0.1%↗
- Currencies
- 3↗
- Transfer fee
- Paid only by the sender↗
- Legal entity
- BC EuroCreditBank S.A.↗
- Headquarters
- Moldova↗
- Founded
- 1992↗
- Support channels
- Email, Phone↗
- Audience
- Freelancers
- Official website
- ecb.md
Savings
Money transfer
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Elsewhere
- instagram.com
Pros and cons
Pros
- A currency conversion fee of 0.1%, under the 0.5% typical here and placed at 130 of 312 brands compared on that cost.
- Transfers usually land Within a few minutes after sending, and the fee is Paid only by the sender.
- Support by email and phone for both phone callers and written questions.
- Top-ups are allowed while the deposit runs, and interest is paid each month to a savings account or card.
Cons
- The monthly fee of MDL 100 on the freelancer package is above the €0 charged by most brands here.
- Transfers pay out through cash pickup only, so receiving money means cash pickup rather than a bank transfer.
- Only 3 currencies, fewer than the 5 the typical brand here carries.
Ready to try ECBank?
Scored 9.1 / 10 by VaultCue.
Who it suits
- Freelancers in Moldova, the customer the bank's own package is built around.
- Savers who can leave the balance for 3 and let a variable rate of 4.25% do the work.
- People who send money abroad and want a conversion fee of 0.1% with money arriving Within a few minutes after sending.
Who should look elsewhere
- PayPal Colombia, which charges $0 a month, suits everyday spending rather than a fixed deposit held for 3.
- Plazo ES, at €0 a month, fits readers who want an everyday account and a smaller standing cost than MDL 100.
- Skrill, at €0 a month, is the better fit for wallet users who would rather not have money locked into a fixed term.
Who runs it
ECBank runs as BC EuroCreditBank S.A., a bank based in Moldova and supervised by the National Bank of Moldova, Banca Nationala a Moldovei. The bank has been trading since 1992, which gives it a long record in Moldovan savings. Customer questions are handled by email and phone, so help arrives by phone or by written request rather than instant messaging.
How ECBank compares
9.1 vs 8.7
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9.1 vs 9.1
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9.1 vs 8.7
9.1 vs 8.7
9.1 vs 8.7
9.1 vs 9.0Skrill's €0 monthly fee leaves more room in a small balance than the MDL 100 here, which suits people who want money ready to move.
9.1 vs 8.7
9.1 vs 9.5
9.1 vs 9.4
9.1 vs 9.3
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9.1 vs 9.0
9.1 vs 8.9
9.1 vs 8.9- 9.1 vs 8.9
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9.1 vs 8.1- 9.1 vs 8.1
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Where ECBank is available
- Available
- Moldova
- Licence in Moldova
- National Bank of Moldova (Banca Nationala a Moldovei), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest rate does ECBank pay on a deposit?+
The standard deposit pays a headline rate of 4.25%, above the 3% seen across the site. It runs for 3 as a fixed deposit, and the rate is variable rather than locked, so the return moves with the bank's own pricing.
Is there a monthly fee?+
Yes, the freelancer package carries a monthly fee of MDL 100, while most brands here charge €0. The charge sits on the account package, so anyone running a small balance for everyday payments feels it every month.
How much do I need to open the deposit?+
The standard deposit asks for a minimum of MDL 5,000, well above the €0.11 most brands ask for, and near the €100,000 ceiling seen here. The balance can be replenished while the deposit runs, so the floor is a starting point rather than a limit.
Can I take the money out early?+
No. The account is a fixed deposit and the access terms allow no withdrawal, so the money stays put for 3 until it matures. Interest keeps being credited each month to a savings account or card in the meantime.
What does it cost to send money abroad?+
The currency conversion fee is 0.1%, under the 0.5% most brands charge, and the transfer fee is Paid only by the sender. Money usually arrives Within a few minutes after sending and is paid out as cash pickup, though only 3 currencies are covered.
Who is ECBank aimed at?+
The bank packages for freelancer, so the account and its fee are built around that customer rather than a general crowd. Freelancers in Moldova get the clearest fit, especially anyone who can park money in a fixed deposit and convert what they earn cheaply.
Who regulates ECBank?+
ECBank trades as BC EuroCreditBank S.A., a bank headquartered in Moldova, under the supervision of the National Bank of Moldova, Banca Nationala a Moldovei. The institution has been operating since 1992, and its savings products run on fixed-term terms rather than instant access.
Sources
- ecb.md checked September 26, 2026
Backs: Currency conversion fee
“When a client purchases foreign currency a commission of 0.1% is charged”
- ecb.md/en/western-union checked September 26, 2026
Backs: Currencies, Delivery time, Payout methods, Transfer fee
“Western Union offering the posibility to send money transfer in US dollars and euro, and to receive money transfer in US dollars, Euro and MDL.”
- ecb.md/pachet-freelancer-1 checked September 26, 2026
Backs: Audience, Monthly fee
“The FREELANCER package is created especially for individuals who carry out independent activity”
- ecb.md checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“EuroCreditBank - head office, Chisinau (Sucursala nr.1 Chisinau, str. Ismail, nr. 33)”
- ecb.md/en/deposits-personal checked September 26, 2026
Backs: Access terms, Account kind, Rate type
“Standard_ECB ... Withdrawal of money from a deposit - no; Deposit replenishment - yes; Capitalization - yes; Interest rate: floating. Periodicity of payment-monthly (on savings account, card), with...”
- ecb.md/en/standard_ecb checked September 26, 2026
Backs: Headline rate, Minimum deposit, Term
“Standard_ECB ... Minimum term: 3 luni Maximum interest: 4,25 %”
- ecb.md/ro/scurta-istorie checked September 26, 2026
Backs: Founded, Licences
“BC "EuroCreditBank" S. A. was founded in September 1992”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.