Choose ProStart from ProCredit Bank

Start freely, work freely!

In freelancing, delays mean postponed projects and lost opportunities. This is exactly why ProCredit Bank offers you ProStart – a banking solution that can be accessed remotely, simply and efficiently, allowing you to focus on what truly matters: your activity. Here are the advantages we offer you:

Opening & package

1. Reimbursement of registration fee

The Bank covers the cost of the Extract from the State Register of Legal Units (RSUD), issued by the Public Services Agency, of 110 MDL.

2. Free service package

Opening and servicing the package are free until 31.12.2026.

3. Visa Business Platinum Card

Free issuance of a Visa Business Platinum card in MDL, for fast and secure transactions.

Accounts & access

4. Multicurrency savings account

You can open a savings account in MDL, EUR, or USD to manage your financial reserves efficiently.

5. E‑banking for fast access to funds

Manage your online banking operations from anywhere, without going to the bank.

Payments & benefits

6. Free national payments

Perform national payments in standard mode with no additional cost.

7. Reduced cash withdrawal fee

Cash withdrawals at PCB ATMs with a favourable fee of only 0.25%.

8. Advantageous discounts from Visa Business

Access the dedicated Visa page.

9. Fast payments with Apple Pay and Google Pay

Pay simply and safely with your iOS or Android smartphone or smartwatch.

See the offer Terms and Conditions HERE

How to access the ProStart package

1. Register your independent activity

2. Contact ProCredit Bank using THIS LINK or call 0800 000 10 (Monday – Friday 08:00 – 18:00, except legal holidays)

3. Open the dedicated account at ProCredit Bank

Frequently Asked Questions

What does freelance or independent entrepreneur status mean in the Republic of Moldova?

A freelancer (independent entrepreneur) is a natural person who carries out economic activity independently, without employing other people. They may provide services or produce goods legally, independently, and without creating a company (LLC).

Who can obtain independent entrepreneur status?

The following can register as independent entrepreneurs:

Individuals residing in the Republic of Moldova;
Persons aged at least 18 years;
Persons without employees;
Those who earn up to 1.2 million MDL annually;
Those who operate in fields permitted by current legislation.

What does the “Freelancers Law” provide and how do you open an account at ProCredit Bank?

Starting January 1st, 2026, the activity of individuals who work independently (freelancers) is regulated by the “Freelancers Law”.

What is the registration procedure for freelancers?

Registration can be done online through: the Public Services Portal, the EVO App, or ASP.

The steps include completing the electronic application, digitally signing it, and obtaining the IDNO code within 24 hours.

What documents are needed for registration?

Online registration application with electronic signature;
A valid identity document;
Additional documents for regulated fields.

How is accounting managed and how are taxes paid?

The tax system is simplified:

15% single tax for income up to 1.2 million MDL;
35% for income exceeding this threshold;
Social and medical contributions are included in the single deposit.

ProCredit Bank