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Start with whose account it will be
Article 13 concerns resident accounts at non-resident banks. Identify the holder, bank legal entity and account type. The Moldovan parent’s own foreign account is a different fact from an account of a separately incorporated American subsidiary, whose residence and rules need separate analysis.
The general branch requires NBM authorisation subject to listed exceptions. Convenience or a customer’s preference for an American account is not itself an exception.
Check the exact purpose and onward payment
The export-collection branch added in 2025 concerns goods and/or services proceeds exclusively for export with final crediting to licensed banks in Moldova. Establish those receipts and the onward flow; do not infer general treasury permission.
Regulation 216, incorporating Decision 255/2025 effective 1 January 2026, also addresses accounts opened without NBM authorisation. Paragraph 12 requires receipts, retention and use to follow the purpose for which the account was opened. When the purpose is achieved, it requires closure and return of balances under the regulation, with stated exceptions.
Paragraph 65 has a general closing-balance exception for a payment/transfer that either needs no currency authorisation or has the required authorisation. That does not itself establish that any proposed American expense satisfies the particular export-only collection purpose and statutory final-crediting condition.
The monthly account report in Chapter VII is expressly for accounts opened under NBM authorisation. Do not copy its reporting route automatically onto an exempt account or infer that no separate tax or other reporting duty exists.
A different account exception has a different test
The direct-investment or real-estate branch concerns cases where foreign law requires the investor’s own account. A bank offering a useful product does not establish that legal requirement. Do not substitute it for the export-collection conditions.
Scope
- Romanian law through 327/2025 and Regulation 216 through Decision 255/2025 were read with AI assistance; the latter amendments apply from 1 January 2026. The law’s final-crediting condition remains relevant. Non-bank payment providers/wallets, separate tax reporting and actual account operations need their own assessment.
Next step
Describe the proposed account holder, export-only receipts and onward crediting, and confirm current NBM conditions before opening or using it.
Sources & review notes
National Bank of Moldova
Passage, dates and research notes
statute · Article 13(1)–(6), especially account authorization and 2025 export-collection exception
străinătate la bănci nerezidente se efectuează cu autorizare
Official Romanian consolidation read for account provisions and amendment notes, compared with NBM’s unofficial English translation. Article 13(5)(b1) added by 144/2025, effective 20 September 2025: collection for goods/services exclusively for export, with final crediting to licensed banks in Moldova. Article 13(6) reserves further NBM account conditions. The current FAQ omits this newer exception; its list was not substituted for current statutory text.
National Bank of Moldova
Passage, dates and research notes
official-translation · Article 13 in English; translation caveat and amendment history
for the sale of goods and/or services exclusively for export
NBM-hosted English translation explicitly marked unofficial and for information. Complete Article 13 compared with Romanian original through 327/2025. English translation supports explanation only; Romanian original and current implementing conditions control.
National Bank of Moldova
Passage, dates and research notes
regulation · Exempt-account purpose/closure rules and distinct authorised-account reporting, paragraphs2(e),2.1,12,60–65,67
se efectuează de către rezidenți în conformitate cu scopurile pentru care acestea au fost deschise.
Official Romanian compilation downloaded, named general/exempt/closure/reporting provisions read; 255/2025 amendments effective1January2026. Do not automatically apply authorisation-specific ChapterIII balance/operation conditions or ChapterVII monthly report to an Article13(5) exempt account. Statutory export-only/final-crediting conditions remain distinct.
Detailed rule records (1)
Article 13(4) generally requires NBM authorization with listed exceptions. The export-collection exception in 13(5)(b1) concerns goods/services exclusively for export and requires final crediting to accounts at licensed Moldovan banks. The separate direct-investment/real-estate exception in (b) requires the investor’s account to be compulsory under foreign law. Article 13(6) allows further NBM account conditions; do not treat either branch as a general offshore treasury permission.
Moldova: Foreign Exchange Regulation Law 62/2008 through 327/2025 Moldova: unofficial English translation of Foreign Exchange Regulation Law 62/2008 Regulation216: residents’ foreign accounts through Decision255/2025Keep this reading in your learning library.
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