Debit Card VISA Classic

  • Contactless payment anywhere where the contactless payment symbol is available.
  • Free insurance Travel assistance and travel accident insurance for bank cardholders
  • Guarantee when renting cars and booking airline tickets and hotels or when purchasing various goods and services in the Internet.
  • Automatic participation in PLUS Programme You collect and spend points in any card purchase in our partner network.
Debit Card VISA Classic
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Features and Fees

VISA Classic Debit is a debit chip card with contactless functionality that ensures guaranteed and secure access to your funds.

Use the card actively to purchase goods and services in the merchant outletss and in the Internet.

You choose how to pay - in the standard manner or by making contactless payment. Your daily purchases are faster and easier - you make contactless payment with a single touche, without entering PIN for card purchases up to BGN 50 in the country.




Chip, magnetic stripe and contactless functionality



Validity of the card

4 years

Time limit for issuing

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

Additional card

Yes, according to the tariff

Overdraft opportunity

Yes, up to 5 salaries

Preferential and special programmes

  • PLUS Programme
  • Modula Programme
  • Free insurance "Travel assistance and travel accident"

24/7 Customer Service Centre

In case of accident or in case of balance inquiry necessity

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.

Issuing and service




No fee

Express Issuing / reIssuing

EUR 25

ReIssuing after the expiry date

No fee

ReIssuing before the expiry date

EUR 10

Annual service fee of a main card

EUR 25

Annual service fee of the additional card

EUR 18

Change of the card parameters


Insurance package

No fee

Benefits and package programmes

PLUS Programme

Modula Programme

Transaction fees



Payment in merchant outletss in the country and abroad

No fee

Payment of goods and services in the Internet

No fee

Cash withdrawals at ATM:


of the Bank in Bulgaria

No fee

of other banks in Bulgaria

EUR 3 + 1%

of banks of UniCredit abroad

No fee

of banks outside UniCredit abroad

EUR 3,50 + 2,5%

Balance inquiry at ATM in Bulgaria

BGN 0,50

Transactions in system

No fee

Cash withdrawals at POS terminal:


in a bank branch

EUR 3 + 1%

of other banks in Bulgaria

EUR 3 + 2%


EUR 3,50 + 2,5%


Transaction limits



Payment at POS terminal in a merchant outlets

BGN 11,000 for 1 transaction

BGN 11,000 for 24 hours

BGN 20,000 for 7 days

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

BGN 4,000 for 1 transaction

BGN 4,000 for 24 hours

BGN 7,000 for 7 days

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

BGN 1,000 for 1 transaction

BGN 4,000 for 24 hours 

BGN 7,000 for 7 days

Total number of payments within a period

40 payments for 24 hours

60 payments 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

VISA Classic Debit can be used at ATM and POS terminal, in the Internet and anywhere where VISA is accepted.

  • Cash withdrawals from ATM and POS terminal in any bank branch.
  • Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 25 in merchant outlets in the country marked with the contactless payment symbol.
  • Payment of products and services offered in merchant outlets at POS terminal in the country and abroad.
  • Collection of points and payments with points atmerchant outlets involved in PLUS Programme.
  • Payment of various goods and services offered in the Internet.
  • Booking and rental services - cars, airline tickets and hotels.
  • Payment of monthly bills for electricity, central heating, phone and other services offered in the Internet through the system (the transaction can be executed after a registration at an ATM)
  • Payment of bills and services from an ATM in Bulgaria through the B-Pay system.
  • Account balance at ATMs in Bulgaria and abroad
  • PIN change account balance and last five transactions only at ATMs in Bulgaria.
  • Cash M transfer – you can immediately order or receive transfers at any ATM of the bank.
  • VISA Cashback allows you to make cash withdrawals at any merchants offering the service in Bulgaria.

Find out how the contactless payment works

If the terminal is marked with the typical symbol you can use your card to make contactless payments as follows:

  1. You see the amount on the display of the POS terminal You see the amount on the display of the POS terminal
  2. Place the card close to the POS terminal symbol. Place the card close to the POS terminal symbol.
  3. The terminal gives an audible and light signal, notifying that the transaction is completed. The terminal gives an audible and light signal, notifying that the transaction is completed.

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 25.

How to Apply

Required documents and terms

  • Client’s ID card
  • Documents proving the income other than that obtained under employment contract or the income obtained in a manner other than its transfer to an account opened with the Bank
  • The foreigners must submit a document of residence in Bulgaria
  • Application form for debit card for individuals

Apply for your VISA Classic Debit


Fill in the online form and our consultant will contact you.


In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

PLUS Programme

PLUS Programme is specifically developed for all customers using credit and debit bank cards. Your participation in the programme gives you an opportunity to automatically collect points with card purchases in merchant outlets our partner network.

The collected points can be used for purchase of goods and services in the whole partner network.
Review all current campaigns of our partners.

Security Tips

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

Additional Card Services

Other Card Offers

Install our mobile banking app Bulbank Mobile and manage your accounts anywhere anytime.
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Bulbank Mobile

Mobile banking provides a swift and convenient way to manage your money.

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