Comparison

Paynet Wallet vs MICB Business

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Paynet Wallet

Manage your finances with an e-wallet that lets you open payment accounts in Moldova and EU countries without visiting a bank. Enjoy free withdrawals, real-time alerts, and card controls. Send and receive money locally and internationally with ease.

Highlights
  • Open accounts in Moldova and EU countries
  • Virtual and physical Mastercard debit cards
  • Free ATM withdrawals in Moldova
  • Real-time transaction alerts
  • Card controls (lock/unlock, PIN reset, limits)
  • Local and international IBAN support
  • Affordable international transfers
Features
Read full description

We made a mobile e-wallet application that allows you to have payment accounts in Republic of Moldova and EU countries. There is no need to go to the bank. Why? We strive to make it easy for you to open a payment account in any country. Moreover, your account comes with various services that are either free or cheaper than banks. GET STARTED FAST Download the Paynet app and open your online account in minutes — right from your smartphone. Get a virtual or physical Paynet Mastercard debit card, add it to Apple Pay, and start using it straight away. NO HIDDEN FEES Enjoy free withdrawals at any ATM in Moldova with no minimum account balance. REAL-TIME ALERTS Get instant push notifications for every incoming and outgoing transaction. CARD CONTROL Lock or unlock your card, reset your card PIN, set spending limits, and enable or disable withdrawals, online transactions, and contactless payments. LOCAL IBAN Share your local IBAN account details. Send and receive money within Moldova. INTERNATIONAL IBAN Share your international IBAN account details for EUR and GBP transfers. Send and receive money from the EU and UK. AFFORDABLE INTERNATIONAL TRANSFERS Receive money with RIA and MoneyGram services in your Paynet app. PAY EFFORTLESSLY Instantly send and receive free bank transfers via MIA Instant Payments. RELIABLE CUSTOMER SUPPORT Our Paynet customer support specialists are here to help, 7 days a week. Reach us via Facebook, Viber, WhatsApp, Telegram or give us a call at (+373) 68 425 125. FREE PAYNET E-WALLET ACCOUNT FOR YOUR EVERYDAY USE * Activate and receive Salary Payments * Activate and receive Social Payments * Create and request payments and transfers * Pay your monthly bills * Free transfers between Paynet customers * Get cashback Get full control of your money with just one app. Open a free Paynet account in minutes today. Simple, safe and secure.

About

MICB Business

Features
Read full description

MICB Business – Your bank, wherever you are! The ideal mobile banking solution for businesses, designed to give you full control over your company accounts and financial transactions, quickly and securely, directly from your mobile device. Key Features: Fast and secure access: simple authentication via fingerprint, PIN or password, configured to your preferences. Quick access to accounts: View balances and details of current accounts, card accounts and company deposits. Transaction History: Details of all transactions in MDL and other currencies. Create payments in MDL: Easily initiate new payments, use templates or information about previous transactions. Signing payments: Authorize secure transactions in any currency. Secure authentication and authorization: Confirm Internet Banking transactions directly from the app. Account statements: Quickly generate and download account statements, providing easy access to your financial history. Messages: Secure communication with your bank directly from the app. Custom Settings: Adjust account preferences and security. Branch and ATM Locator: Localization: Quickly find the nearest branch and ATM. Multi-Company Management: Manage multiple company accounts from a single profile. Why Choose MICB Business? - Complete management of your company's finances, wherever you are. - Intuitive and easy to use interface. - Advanced security for company data and transactions. - Stay connected with your bank through a secure communication channel directly from the app. Turn your phone into the perfect business management tool! Download MICB Business now and enjoy a simple, secure and convenient banking experience!

Screenshots

Paynet Wallet4 screens
MICB Business4 screens

Verdict

The call

The clearest difference is update cadence: Paynet Wallet at every 2 weeks against MICB Business's every 6 weeks. On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Paynet Wallet ships an update every 2 weeks, MICB Business every 6 weeks. The most recent releases landed on November 6, 2026 and November 3, 2026 respectively.

Scorecard1 real difference · 9 level
Paynet Wallet versus MICB Business: the parameters behind the verdict, then further details
ParameterPaynet WalletMICB Business
PriceFreeFree
Rating4.3 (21 ratings) — better—
Positive reviews75.0% of reviews—
Number of ratings21 — better—
Update frequencyEvery 2 weeks — betterEvery 6 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPodiPhone, iPod
Requires iOS15.015.0
Further details — not scored
Size138 MB65 MB
Age rating4+4+
DeveloperPayPoint LLCBC Moldindconbank S.A.

In-app purchases

None

Paynet Wallet

No in-app purchases

None

MICB Business

No in-app purchases

Questions

Is Paynet Wallet free?
Paynet Wallet is free to download, with no in-app purchases.
Is MICB Business free?
MICB Business is free to download, with no in-app purchases.
Do Paynet Wallet or MICB Business have ads?
Neither Paynet Wallet nor MICB Business shows ads.
Which is updated more often, Paynet Wallet or MICB Business?
Paynet Wallet ships an update every 2 weeks, and MICB Business every 6 weeks. Most recently, Paynet Wallet was updated on November 6, 2026 and MICB Business on November 3, 2026.

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