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.
The National Bank of Moldova stated that the macroeconomic situation remains stable and sustainable, while noting increased cooperation with the Romanian regulator in the area of financial supervision. The discussion focused on further harmonizing regulations with European standards, developing the insurance market, and measures designed to strengthen confidence in the nonbanking sector.
The EU-supported Economic Growth Plan for Moldova aims to stimulate investment, increase productivity, and accelerate reforms, and the funds allocated by the EU must be channeled efficiently into the real sector of the economy while maintaining financial stability—NBM
Moldova's banking sector remains highly resilient amid growing lending and ongoing adaptation to European standards, the National Bank stated. The regulator also noted that the reforms are already having a tangible impact on citizens and businesses, including in the area of payments and money transfers.
The National Bank of Moldova discussed with the European Central Bank the further development of payment infrastructure and digital banking supervision tools in the context of European integration. Particular attention was paid to the MIA instant payment system and the possibilities for aligning it with European payment solutions, which could mark an important milestone for the country's financial sector.
The Fintech Moldova Conference (FMC26) will take place in Chișinău on October 2 as part of Moldova Business Week 2026
The use of cashless payments continues to grow rapidly in Moldova: according to data from the National Bank, both the number of card transactions and their total volume have increased significantly in recent years. The report on the development of financial infrastructure also notes changes in the structure of payments, growth in transactions via digital apps, and the strengthening of the role of certain market players.
The Moldovan government has approved a package of changes that significantly relaxes the rules governing foreign exchange transactions and gradually expands the options available to residents without requiring regulatory approval. The reform will affect not only limits and specific capital transactions, but also settlement procedures, account opening, and the handling of foreign financial instruments, with some restrictions set to be lifted in the near future.
A new loan guarantee instrument for investments in energy storage systems is being developed in Moldova
In Moldova, the national economy's total debt at the end of the first quarter of 2026 stood at 723.3 billion lei, an increase of 4.3% compared with the end of 2025.
The corporate income tax rate for Moldlova's banks is set to increase by 50% starting in 2027—from 12% to 18%
A draft law has been put up for discussion in Moldova that is intended to change the rules for granting home loans and strengthen protections for borrowers. The bill sets forth new requirements regarding disclosure, creditworthiness assessment, and contract terms, and could have a significant impact on the operations of banks and nonbank lenders.
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