The population continues to actively withdraw funds from their accounts and deposits for personal needs or savings. The volume of cash withdrawals from bank vaults in April 2026 amounted to 16,037 million lei, increasing by 378 million lei (+2.4%).
Retail trade (sale of consumer goods) remains the main source of cash return to banks’ cash desks, forming more than 60% of the total cash inflow.
Despite the net cash outflow in April 2026, the overall liquidity of the Moldovan banking system remains at a stable high and safe level. The regulatory requirements of the NBM are met by commercial banks with a significant reserve, so the withdrawal of cash by citizens does not pose a threat to their stability. Current liquidity indicators of the banking sector exceed the established minimum (20%) more than twice.
In order to support the liquidity of commercial banks under the conditions of increased demand for money and to stimulate the economy, the NBM, at the beginning of 2026, reduced the norms of mandatory reserves on attracted funds in Moldovan lei from 20% to 18%. This decision released additional lei resources within commercial banks, allowing them to easily compensate the April cash outflow of 776 million lei.
