The National Bank of Moldova discussed digital banking supervision, the MIA instant payment system and further European payment integration with a European Central Bank representative. The talks also covered central bank independence, monetary policy and preparations to align Moldova’s financial sector with EU rules.
Policy & regulationCooperationPayments and payment systemsRegtech and suptechFinancial stability and systemic risk
The National Bank of Moldova reported that Governor Anca Dragu and Boris Kisselevsky, head of the European Central Bank’s Brussels representation, discussed cooperation on banking supervision and payment systems as Moldova prepares its financial sector for European Union integration. The talks examined the use of digital supervisory tools drawing on the ECB’s information technology experience, cooperation involving Moldova’s MIA instant payment system and opportunities for further integration with European payment systems.
Banking supervision cooperation is conducted under a 2020 memorandum of understanding. The broader agenda covered central bank independence, macroeconomic and monetary policy developments, and alignment of national financial legislation with EU rules. Dragu cited Moldova’s integration into the Single Euro Payments Area, payment infrastructure modernization, digital financial services and stronger governance as elements of convergence with European standards. In a separate meeting, the delegation reviewed legislative alignment and financial stability reforms with Alexandra Jour-Schroeder, deputy director general at the European Commission’s Directorate-General for Financial Stability, Financial Services and Capital Markets Union.
National Bank of Moldova Governor Anca Dragu said banking strength, payment modernization and European integration are supporting financial innovation. SEPA transfers saved users nearly EUR 15 million from October 2025 through August 2026, while MIA has processed more than 31 million transactions worth MDL 28.5 billion. Open banking development…
The National Bank of Moldova reviewed progress on aligning financial legislation with EU rules during meetings with European Commission and European Central Bank officials. SEPA processed 1.1 million transfers in its first 11 months, while the MIA instant payment system surpassed 1 million users.
National Bank of Moldova Deputy Governor Mihnea Constantinescu presented MIA as a central bank funded instant payments model with mandatory participation by all payment service providers. The system has expanded beyond phone-based transfers to merchant, government and business payments and now has more than 1 million unique registered users.