Send money to Moldova in seconds with MIA Instant Payments – now available on MoneyTO

What is MIA?

MIA is Moldova’s instant payments rail created by the National Bank of Moldova. It lets anyone with a Moldovan payment account receive money instantly, 24/7, using a phone number instead of card or IBAN details. It’s simple, secure, and works across banks and payment institutions in Moldova.

Typical features (as provided by Moldovan banks):

• Money arrives in seconds, any time of day.
• You only need the recipient’s phone number (no card/IBAN entry).
• Designed to work across all commercial banks and non-banking providers connected in Moldova.

What you need to send with MoneyTO

• Recipient’s full name (as on their bank records).
• Recipient’s Moldovan mobile number registered to their bank for MIA.
• Your MoneyTO account (web or app), and a funded payment method.

Fee: MoneyTO’s commission for MIA transfers is 0%. Speed: Delivery is near-instant once we dispatch to MIA (usually seconds). Currency: Funds are credited in MDL (Moldovan leu).

How to send (step-by-step)

Option A — via our website

1. Log in at moneyto.co.uk.
2. Choose Moldova and select MIA – Instant Payment.
3. Enter the recipient’s name and mobile number.
4. Enter the amount in GBP; you’ll see the amount in MDL to be received.
5. Pay and confirm. We route the payment domestically via MIA for instant credit. (MoneyTO supports delivery to Moldovan bank accounts and cards through local partners including Bpay and Paynet.)

Option B — via our mobile app

1. Update to the latest MoneyTO app (Google Play and AppStore.).
2. Choose Moldova → MIA – Instant Payment.
3. Enter the recipient’s name and phone number.
4. Confirm the amount and complete payment.

What your recipient needs to do (one-time)

To receive by phone number, your recipient must activate MIA in their bank’s mobile app (it’s free and takes seconds). Typically they’ll:

1. Open their bank app → Settings → MIA.
2. Enable “Receive with MIA” and choose the MDL account to link. Once enabled, incoming MIA transfers arrive automatically into that account. No receiving fee: MIA is designed so the beneficiary does not pay a commission to receive.

Useful limits & fees to know (set by local providers)

While MoneyTO’s commission is 0% for sending via MIA, Moldovan providers publish system limits and local fee rules. As examples:

• Free monthly allowance: Transfers up to 10,000 MDL/month are typically free; beyond that, some providers charge the sender up to 0.5%, capped at 5 MDL per transfer. Beneficiaries remain 0 MDL.
• Processing limits (example): 5,000 MDL max per transfer, 25,000 MDL/day, 80,000 MDL/month per customer. Actual limits may vary slightly by bank.

Why you’ll love MIA with MoneyTO

• Zero commission from MoneyTO for MIA transfers.
• Fewer errors — no IBAN/card digits to mistype.
• Instant credit to the recipient’s bank account in Moldova.
• Broad coverage across Moldovan banks and payment institutions.
• Available on MoneyTO web and app, with robust local payout infrastructure (bank account or card credit via Bpay/Paynet).

Quick FAQs

Do I need my recipient’s bank details? No. For MIA you only need their name and Moldovan phone number that’s activated for MIA with their bank.

How fast is it? Typically seconds after we dispatch domestically via MIA (24/7).

Does the recipient pay anything? No. Receiving is free on MIA according to provider fee tables (0 MDL for the beneficiary).

Any transfer caps? Yes. MIA has per-transfer/day/month thresholds set by local providers (see examples above). If you need to send more, split across transfers or days as allowed.

Final checklist before you send

• ✅ Recipient has MIA enabled in their bank app and selected the right MDL account.
• ✅ You have the correct phone number (Moldovan number) and full name.
• ✅ Your MoneyTO app is up to date (MIA is in the latest release). Google Play and AppStore.