Debit Card VISA Electron

  • Maximum protection of the card payments at all ATMs and POS terminals
  • Contactless payment for daily purchases Quick, easy and secure payment with only one move
  • Free cash withdrawals at ATM of the bank and at ATMs of UniCredit abroad
  • Virtual Pin free subscription
  • Automatic participation in PLUS Programme You collect and spend points in any card purchase in our partner network
Debit Card VISA Electron
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Dear Customers,


We would like to inform you that from 12.04.2019 the maximum amount for contactless payment without a requirement for PIN entry on the POS terminal at merchant outlets in Bulgaria will be increased from BGN 25 to BGN 50.

This change will apply to all contactless debit and credit cards issued by UniCredit Bulbank.

Please note that due to the need to update the software of all POS terminals of UniCredit Bulbank as well as other banks, it might be possible that at some merchant outlets the above change could be inapplicable.

Features and Fees

Visa Electron is an international contactless debit card that ensures guaranteed and secure access to your funds.

You can use it actively to pay for goods and services offered in the Internet, to make payments at POS terminal, or for cash withdrawals.

Moreover, the card can be used for contactless payments, as in case of card purchases up to BGN 50 in the country no PIN is required.




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
  • Academic League

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.

Issue and service




No fee

Express issuing / reissuing

BGN 10

Opening of a current account


Reissuing of a card after the expiry date

No fee

Reissuing of a card before the expiry date 


Monthly card service fee

No fee

Monthly current account service fee:


for customers with regular incomings


for customers without regular incomings


Change ot the card parameters


Additional card


Benefits and package programmes

PLUS Programme

Modula Programme


Transaction 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 in Bulgaria

No fee

of other bank in Bulgaria

BGN 1,10

of banks of UniCredit abroad

No fee

of banks outside UniCredit abroad

EUR 3 + 1%

Balance inquiry at ATM in Bulgaria

BGN 0,50

Transactions in system

BGN 0,20

Cash withdrawals at POS terminal:


in a bank branch


of other bank in Bulgaria

BGN 4 + 1%


EUR 3 + 1%


Transaction limits



Payment at POS terminal in a merchants outlets

BGN 9,000 for 1 transaction

BGN 9,000 for 24 hours

BGN 9,000 for 7 days

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

BGN 2,000 for 1 transaction

BGN 2,000 for 24 hours

BGN 7,600 for 7 days

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

BGN 1,000 for 1 transaction

BGN 1,000 for 24 hours

BGN 7,000 for 7 days

VISA Cash Back Yes, according to the tariff

Total number of payments within a period

20 payments for 24 hours

50 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 Electron can be used in over 210 countries in more than 25 million merchants outlets and at 1 million ATMs marked with the logo of Visa Electron.

  • 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.
  • 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.
  • PIN change account balance and last five transactions only at ATMs in Bulgaria.
  • Account balance at ATMs in Bulgaria and abroad.
  • 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 outlet 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

  • Client’s ID card
  • Application form for debit card for individuals

Apply for your Visa Electron


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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