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Debit card Visa Business Debit

  • Control over operational payments You have constant access to resources and optimize your document turnover.
  • Significantly facilitated process of accounting in the company.
  • Opportunity to issue additional cards per employee and determining its limit.
  • Guarantee for bookings car rental, airline tickets, hotels, as well as purchases of goods and services on the Internet.
Debit card Visa Business Debit
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Debit card Visa Business Debit

Features and Fees

Visa Business Debit is an international debit card with which control on operating costs is in your hands. The card is designed for all kinds of everyday payments of small and medium businesses - especially for those who want to monitor and control in detail costs.

You have accurate and updated information related to business trips, purchases and services. Bank provides an opportunity to issue additional cards to employees in the firm to track costs and account movement.






Chip and magnetic stripe




Validity of the card


5 years

Time limit for issuing

  • 5 working days for standard
  • within 48 hours for express

Additional card


Yes, as per tariff. Choose which employees to use such a card, as well as what limit to dispose.

Preferential and special programmes

  • Opportunity to participate in games with prizes
  • Free Insurance "Assistance in travelling and accident for bank cards' owners" from Generali Insurance
  • Automatic and free of charge service enabled Secure payments on the Internet

Statements and notifications

  • Monthly statement with all transactions
  • Additional subscribing to the SMS notifications when using the card

Review the full list of the card parameters determined pursuant to the Tariff and the General terms and conditions for bank cards and for provision services via bank card as an online paument tool.

Tariffs and General Terms

Issuance and service




No fee

Express issuing/re-issuing

40 EUR

Re-issuing after on the expiry date

No fee

Re-issuing before the expiry date

10 EUR

Promo Annual service fee of a main card

50 EUR

Annual service fee of the additional card

35 EUR

Change of the card parameters


Additional card Yes

Benefits and package programmes

Free of charge insurance

Automatically enrolled for Virtual PIN

Transaction charges and fees



Payment in merchant outlets in the country and abroad

No fee

Payment of goods and services in the Internet

No fee

Cash withdrawals at ATM:


of the bank

No fee

of other banks in Bulgaria

1% + 3 EUR

abroad at ATMs of banks from UniCredit Group

No fee


2.5% + 3.5 EUR

Balance inquiry at ATM

0,20 BGN

Transactions in systems

No fee

Cash withdrawals at POS terminal:


in a branch of the bank

1% + 3 EUR

of other banks in Bulgaria

2% + 3 EUR


2.5% + 3.5 EUR

Upon performing a bank card transaction on a real or virtual device abroad in a currency different from the currency of the card account, the transaction amount shall be converted in an amount for sending the financial output of the executed transaction from the Acquiring Bank of the merchant that has accepted the payment to the Card Issuing Bank at the exchange rate of the International Card Organization (ICO), VISA or Mastercard applied on the day of sending. UniCredit Bulbank AD shall book the transaction on the Client’s account where the sent amount debiting the Client’s account shall be converted in an amount in the currency of the account at the respective buy/sell exchange rate of UniCredit Bulbank AD applied on the day of booking the transaction (which may be different from the day of sending the payment). The currency of the amount of the sent payment transaction is USD (for payments made in US dollars) and EUR (for all other payments). UniCredit Bulbank AD does not apply any additional fees in case of revaluation of the bank card transactions.

Transaction limits



Payment at POS terminal at merchant outlets

8 000 BGN for 1 transaction

26 000 BGN for 24 hours

36 000 BGN for 7 days

Cash withdrawals at ATM and POS terminal at a bank branch in Bulgaria

2 000 BGN for 1 transaction

4 000 BGN for 24 hours 

14 000 BGN for 7 days

Cash withdrawals at ATM and POS terminal at a bank branch abroad

1 000 BGN for 1 transaction

4 000 BGN for 24 hours 

14 000 BGN for 7 days

Total payments within a period

80 for 24 hours

140 for 7 days

Card activation

The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.


*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!

Application of the Card

  • Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
  • Booking and rental services - cars or airline tickets and hotels.
  • Cash withdrawals at ATM and POS terminal in any bank branch.
  • PIN change and information on the last five transactions.
  • Payment of products and services in Internet.
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system.
  • Account balance at ATMs in Bulgaria and abroad.
  • Send or receive Cash M transfer instantly on every ATM of the bank.
  • In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.

How to Apply

Required documents and terms

  • Client’s ID card
  • Foreigners should a resident permit for Bulgaria
  • Application form for debit card when visiting UniCredit Bulbank branches 

Apply for your Visa Business Debit

In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

Security Tips

Take care of your financial security by following a few simple rules when using your card.

Additional Card Services

Other Card Offers