Paynet review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Paynet suits everyday spending in Moldova with a debit card that carries a MDL 0 monthly fee and a free top-up. It is licensed by Banca Nationala a Moldovei, and the card range covers virtual card and travel, which makes it a simple local wallet rather than a trading venue.
Key facts
- Best for
- A Moldova debit card with a MDL 0 monthly fee for everyday payments.
- Monthly fee
- MDL 0↗
- Card type
- Debit↗
- Top-up fee
- free top-up↗
- Legal entity
- Paynet Services S.R.L.↗
- Headquarters
- Moldova↗
- Support channels
- Email, Phone, Help-centre↗
- Features
- Virtual card, Travel
- Official website
- paynet.md
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInfacebook.com
Pros and cons
Pros
- A MDL 0 monthly fee and a free top-up top-up keep the running cost simple.
- Licensed by Banca Nationala a Moldovei, number 000586.
- Support runs on email, phone and help centre, covering email, phone and a help centre.
- The card is a debit card with virtual card and travel options.
Cons
- The costs stop at the MDL 0 monthly fee and the free top-up top-up, leaving card spend and cash withdrawal charges for readers to work out.
- There is no live chat in email, phone and help centre, so a question has to go by email, phone or the help centre.
- It is a debit card registered in Moldova, so it is aimed at a single market rather than a wide currency set.
Who it suits
- People in Moldova who want a debit card for everyday payments.
- Shoppers who want the virtual card option under virtual card and travel for online buying.
- Travellers who want the travel card listed under virtual card and travel.
Who should look elsewhere
- Wise, which also lists a £0 monthly fee, if you want balances held across several currencies.
- Bitpanda, listed with a €0 monthly fee, if you want a card that sits with crypto trading rather than domestic spending.
Fees
Paynet lists a single MDL 0 monthly fee for the card, and loading money onto it is free top-up. Those are the only two costs here, so readers planning daily card use have to work out the rest themselves. Card spend rates, currency conversion and cash withdrawals are not part of that figure.
The company behind it
Paynet is operated by Paynet Services S.R.L., registered in Moldova. It appears in the Moldovan register of electronic money issuers under Banca Nationala a Moldovei, listed as 000586. Support is offered by email, phone and help centre, which covers email, phone and a help centre for account questions.
How Paynet compares
A €0 monthly fee on a card tied to crypto trading, where Paynet is a debit card.
Where Paynet is available
- Available
- Moldova
- Licence in Moldova
- Banca Nationala a Moldovei (000586), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does the Paynet card cost each month?+
Paynet sets the monthly fee at MDL 0, and topping the card up is free top-up. Those are the costs the card page carries, so the running cost is easy to judge with no subscription tier attached. Card spend, conversion and cash withdrawal charges sit outside that figure.
How do I add money to the Paynet card?+
Loading money onto the card is free top-up, so the top-up does not carry a charge of its own. The card runs as a debit card, and the range covers virtual card and travel, so a card can be set up for online payments, travel or both before money goes on.
Is Paynet regulated?+
Paynet is licensed by Banca Nationala a Moldovei, the Moldovan regulator, under licence number 000586. The operator behind the service is Paynet Services S.R.L., registered in Moldova, so the money side of the card sits with a named issuer.
Is the Paynet card a debit card or a prepaid one?+
It is a debit card, so spending draws on the money on the account rather than a credit line. The monthly fee is MDL 0 and top-ups are free top-up, which keeps the two headline costs low.
Does Paynet offer a virtual or travel card?+
The range covers virtual card and travel, which includes a virtual card for online shopping and a card set up for travel. Because both are part of a debit card, they draw on the same balance, with a MDL 0 monthly fee and free top-up top-ups.
How do I reach Paynet support?+
Support runs on email, phone and help centre, so questions can go by email, by phone or through the help centre. That covers routine account issues, and the operator behind the service is Paynet Services S.R.L. in Moldova.
Who runs Paynet?+
The service is run by Paynet Services S.R.L., registered in Moldova. It holds a licence from Banca Nationala a Moldovei, 000586, which places the e-money side of the card with a named regulator in its home market.
Sources
- bnm.md/ro/content/registrul-societatilor-emitente-de-mone... checked September 26, 2026
Backs: Licences
- paynet.md/ro/cards checked September 26, 2026
Backs: Card type, Features, Top-up fee, Monthly fee
“Alege cardul potrivit: Card fizic - Card virtual”
- paynet.md/ro/home/contacts checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Bd. Decebal 6 or. Chisinau Republica Moldova”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.