In connection with Bulgaria’s adoption of the euro (EUR), beginning January 1, 2026, UniCredit Bulbank will introduce changes in Bulbank Online and Bulbank Mobile for individual and corporate clients.

Bulbank Online:


Products

  • All accounts, cards, savings, investments and loans will be automatically converted into euro using the official Bulgarian National Bank exchange rate – 1 EUR = 1.95583 BGN.


Transfers

  • Starting January 1, 2026, transfers in BGN will no longer be available. The“Local currency in BGN” and “Multirow local currency ” menus will no longer be visible to customers. The menu “Between own accounts in BGN” will be renamed to “Between own accounts in EUR”.
  • The main type of transfer in EUR will be the SEPA transfer, applicable for intra‑bank and interbank transfers in Bulgaria, the EU, the EEA, as well as in other countries that are part of the SEPA area.
  • Corporate clients will also have access to the Multirow SEPA Transfers option.
  • SEPA transfers will include both BLINK transfers (between participants in the payment service who are included in or participate in the program) and standard SEPA transfers (for outside of the program payments).
  • For transfers “From/To budget accounts” the previous RINGS option will now appear as Ordinary (BISERA) transfer. The structure of the form will remain the same, but the currency will change from BGN to EUR.
  • For remaining transfers, customers will use only SEPA and Blink.
  • Foreign currency transfers will retain their structure, fees and execution method, but with changes due to the currency replacement.
  • All package transfers in BGN will continue to be executed in the new national currency EUR.

Direct Debits and Standing Orders

  • Direct Debit service will be discontinued.
  • Standing orders in BGN will be discontinued from January 1, 2026. New standing orders with identical parameters will be created in EUR.


Transfer limits
For convenience, the limits set on accounts for making transfers will be recalculated – the value in BGN will be divided by two and rounded to the nearest whole number in EUR (e.g.,if the daily limit is 5000 BGN, it will become 2500 EUR).

Templates and Transfer History

  • All amounts in previously created transfer templates, as well as the options “Fast Payment” and “Edit” in the “Templates and beneficiaries” menu in BGN, will be automatically converted to EUR at the fixed rate of 1 EUR = 1.95583.
  • Please note: When accessing an already created template, please review the details in it before submission.
  • For transfers initiated using the “Create like” option in  “Archive” menu, the amounts will be automatically converted to the new national currency (EUR) at the fixed rate of 1.95583.
  • Transfers created before January 1, 2026 but not yet executed will not be able to be signed or sent – they must be created again.
  • The history of transfers in BGN made before January, 1, 2026 will be retained in the original currency BGN.

Utility Bills and Taxes

  • All liabilities for utility bills, taxes and fees will be displayed and payable only in the new national currency – EUR.

Requests

  • All Requests for banking products and services will be retained, as the currency BGN will be replaced with the new national currency – EUR. The archive of submitted applications in the “Archive” menu will also be preserved.
  • Applications created before January, 1 2026, that remain in status “Draft” or “Unsigned” will no longer be eligible for signing or submission and must be created again.

Statements

  • Electronic statements – The last statements in BGN sent via email and SWIFT will be issued on 31.12.2025, and the first statements in the new national currency EUR will be issued on 06.01.2026.

What does this mean for you?

  • There is no need for you to take any preliminary actions – the conversion will be carried out automatically.
  • All your funds and banking products will be available in euro from January 1, 2026.

 

Bulbank Mobile


Product Conversions

  • All accounts, cards, savings, investments and loans will be automatically converted into euro at the official BNB exchange rate – 1 EUR = 1.95583 BGN.

The current “Payments” menu will be divided into two sections – “Transfers” and “Payments”.
 

Transfers

  • Based on the entered IBAN, the application will automatically recognize the type of transfer – intra‑bank, interbank, budget, or SEPA – and will display the required fields for completion.
  • The daily transfer limit will be recalculated – the amount in BGN will be converted into EUR and rounded up to the nearest whole number. (e.g. the standard daily transfer limit of 30,000 BGN will become 15,000 EUR)
  • Transfers in BGN scheduled with a future execution date after January, 1 2026 will be cancelled.
  • Transfers via QR code will be moved to “Others”, along with “Templates”, “For Approval” and “Transfer History”.

 
Payments

  • In the “Payments” menu, functionalities for utility bills, government fees, and taxes will be available, as well as payment history. Payments will be processed only in EUR.

 
Analytics

  • The income and expense operations menu will be moved to the “More” section.

 
Templates and Transfer History

  • Existing transfer templates will be automatically converted to EUR at the official exchange rate of 1.95583.

 
Recommendation: when using a template, carefully review the details before submission.

  • For transfers made using the "Repeat transfer" option in the account movement and "Transfer history" menu, the amounts will be automatically converted to the new national currency (EUR).
  • In the "Transfer history," all payments made before January 1, 2026, will be kept in the original currency.

 
Requests

  • The “Requests” menu will be renamed to “Offers”.
  • All products and requests that were saved while the currency was BGN will be updated and replaced with the new national currency – EUR. Their history will remain available.

 
Exchange Rates

  • The functionality in the “Rates” menu will be automatically updated to the new national currency.

 
Bulbank Mobile Mandatory Update

  • To ensure the proper functioning of all services as of January 1, 2026, Bulbank Mobile must be updated to the latest version of the application - 5.0.0. Older versions of the application will not allow access to functionalities after login and will display a mandatory update message.
  • Your device must be running an operating system version no lower than Android 7.0 or iOS 12. 
     

Additional media information:

Ekaterina Ancheva, tel +359 894 518 193 , flbufsjob/bodifwbAvojdsfejuhspvq/ch

Ina Gerdzhikova, tel +359 894 500 495, job/hfse{ijlpwbAvojdsfejuhspvq/ch


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