Is Moldova cashless?
Mixed#87 of 197 in The Cashlessy Index 2026 · #40 of 45 in Europe
Short answer: Plan to use cash every day. Cards are mainly for hotels and bigger businesses.
Chisinau is increasingly card friendly, including buses and trolleybuses. Wineries in the countryside and markets want cash.
Will my card work?
In cities and tourist areas. Hotels, chains and larger restaurants in Moldova take cards; smaller places often do not.
Do I need cash?
Yes. Cards work in some places, but you will need cash most days in Moldova.
Local currency: Moldovan leu (MDL)
How does tipping work?
10% in restaurants.
Mobile payments
Local apps often need a local bank account or phone number.
Good to know
- Transnistria has its own currency and does not accept foreign cards.
Frequently asked questions
Is Moldova cashless?
Moldova scores 50/100 on Cashlessy (mixed), ranking #87 of 197 countries. Chisinau is increasingly card friendly, including buses and trolleybuses. Wineries in the countryside and markets want cash.
Do I need cash in Moldova?
Yes. Cards work in some places, but you will need cash most days in Moldova.
Are credit cards accepted in Moldova?
In cities and tourist areas. Hotels, chains and larger restaurants in Moldova take cards; smaller places often do not.
Do you tip in Moldova?
10% in restaurants.
Can I use Apple Pay or Google Pay in Moldova?
Yes. Phone wallets work at most terminals that accept contactless cards in Moldova.
Compare with Europe
Editorial estimate, last reviewed September 2026. Payment habits change quickly; see how we score.