Law 308/2017 · Banking pre-check
Twelve answers. One banking pathway.
A self-check against the AML risk factors Moldovan banks weight when onboarding foreign-owned SRLs. Useful before the first call; not a substitute for the formal pre-screen.
Q1 of 12
Country of residence of the UBO
Q2 of 12
Politically Exposed Person (PEP) status?
Q3 of 12
Source of funds
Q4 of 12
Primary industry
Q5 of 12
Multi-jurisdiction structure (more than 2 entities in chain)?
Q6 of 12
Cash-intensive business?
Q7 of 12
UBO documentation already in place?
Q8 of 12
Recent sanctions screening done?
Q9 of 12
Customers based in high-risk geographies (Russia, Iran, etc)?
Q10 of 12
Expected annual turnover
Q11 of 12
Ownership complexity
Q12 of 12
Existing banking relationship in EU?
3 / 35
Standard Moldovan business bank account opening is appropriate.
Risk factors triggered
Methodology and statute
- Law 308/2017 on the prevention and combating of money laundering and terrorism financing implements the FATF 40 recommendations in Moldova. Banks apply enhanced due diligence on PEPs, high-risk geographies and complex ownership chains.
- Country weighting follows EU and FATF high-risk and grey lists, plus the de facto risk Moldovan banks apply to CIS residents post-2022.
- Industry weighting reflects what local correspondent banks (BCR, OTP, Moldindconbank, ProCredit, MAIB) typically refuse, accept with EDD, or accept on standard terms.
- Source-of-funds weighting follows EBA guidelines on customer due diligence (EBA/GL/2021/02).
- Score bands: 0 – 4 low, 5 – 9 medium, 10+ high. Banks do not publish their internal scorecards; this is a heuristic for self-assessment, not a prediction.
What this does not do
- Indicative only. Not legal advice and not a substitute for a bank-specific pre-screen. The score reflects general AML factors; individual bank acceptance depends on the relationship manager, the correspondent network, the documentation pack and the timing of your application. A LOW score does not guarantee acceptance; a HIGH score does not preclude it.
Disclaimer
Indicative score based on AML risk factors weighted in line with Law 308/2017 and FATF guidance. Not legal advice and not a substitute for a bank-specific pre-screen. Bank acceptance depends on factors this tool does not see.
A confidential AML pre-check
before you apply.
We screen your case against the specific banks most likely to accept it, run sanctions and adverse-media checks, and brief you on what the relationship manager will ask.