BISERA is a settlement payment system which carries out the transfer of funds between the settlement bank accounts.

Transfer is executed in real time up few minutes, following receipt into the system BISERA from 08:00 to 20:00 in working days.

Transfers after 20:00 will be ordered for the next working day.


BISERA payments are:

  • Credit BISERA transfer in BGN from/to an account with another payment service provider in Bulgaria part of BISERA scheme.
  • Transfer limit up to 100 000 BGN per transfer
  • For individuals and business clients