The National Bank has released a draft of new regulations for public consultation that significantly change the approach to digital resilience in the financial sector. The document will address IT risk management, incident response, system testing, and oversight of third-party providers, and the requirements are scheduled to be implemented in phases starting in 2029.
The National Bank of Moldova will host an international conference in Chisinau dedicated to the development of the secured bond market and long-term mortgage financing. The event will feature discussions on European experience, regulatory approaches, and practical solutions that could change the conditions under which banks raise funds and expand housing financing opportunities in the country.
Moldova is preparing for a phased easing of foreign exchange regulations: starting in November, changes will take effect that will significantly expand the options available to citizens and companies when conducting transactions involving foreign currency, overseas accounts, and investments. However, some restrictions will remain in place, and the National Bank's oversight will be restructured to account for new risks and financial security requirements.
The NBM's foreign currency reserves decreased by 10.19 million euros (-0.18%) during the most recent reporting week, totaling 5 billion 613.34 million euros as of October 16
The National Bank of Moldova stated that the banking sector remains stable and highly capitalized, and that negotiations on aligning with European prudential standards are progressing. The regulator also noted that the modernization of the payment infrastructure is already changing conditions for customers and businesses, though the key details and implications of these steps will only become clear from the full version of the report.
In Moldova in September 2026, net demand for foreign currency from economic agents was met by net supply from individuals at a rate of 97.4%, compared with 110.3% in August
The National Bank of Moldova has begun drafting a regulation that will establish the procedure for residents to report information on external loans and credits received and granted
In Moldova, from January through August 2026, the extent to which companies' net demand for foreign currency was met by net supply from individuals stood at 95%, compared with 83.4% during the same period last year
The experience of implementing the MIA instant payment system was presented at a major international fintech event in Washington, D.C., where digital payments, open banking, and new technologies in the financial sector were discussed. The discussion focused on approaches to launching such systems, scaling them up, and what solutions could pave the way for the next generation of services for consumers and businesses.
The National Bank of Moldova is promoting reforms that accelerate the country's integration into the European financial area and transform approaches to payment infrastructure. Discussions are centered on further regulatory harmonization, the development of modern payment services, and cooperation with European partners—details of which could prove significant for the banking sector and the market as a whole.
Annual inflation in Moldova accelerated in September and has remained above the National Bank's target range for the second consecutive month. The most significant price increases were seen in certain categories of goods, fuel, and regulated services, although price trends varied across different segments.
Moldova is preparing to transition to a unified electronic certificate that will verify the insurance history of MTPL policyholders and simplify data exchange among market participants. The initiative is linked to an update of the bonus-malus system and is intended to make the process more transparent, including for cross-border transactions; however, the draft still contains important details that have yet to be finalized.
Foreign direct investment in Moldova continued to grow in the first half of 2026, with the bulk of the funds coming from equity, while debt instruments also increased. The investment structure continues to show a noticeable concentration in certain sectors and sources of capital, reflecting the current priorities of foreign investors in the local market.
After one year of operating within the Single Euro Payments Area (SEPA), Moldova has seen a noticeable impact on citizens and businesses: transfers in euros have become faster and significantly cheaper, and SEPA has quickly become the primary channel for cross-border payments. The National Bank notes that the new payment infrastructure has already altered established financial flows and strengthened the country's integration with the European market.
The National Bank of Moldova has begun drafting regulations that will, for the first time, set out in detail the rules for issuing e-money tokens and the requirements for their issuers. The document is expected to address the classification of cryptoassets, disclosure requirements, and supervisory mechanisms, and will form part of a broader set of regulations for the cryptoasset market.
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