Debit Card VPAY Lukoil

  • Maximum payments protection through chip and PIN no finantial information stored on the magnetic stripe of the card
  • 2% discount in Lukoil gas stations in the country for fuels, motor lubricants and all consumer goods
  • Automatic participation in PLUS Programme you collect and spend points in any card purchase in our partner network.
  • Free cash withdrawals at ATM of the bank and at ATMs of UniCredit abroad.
Debit Card VPAY Lukoil
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Features and Fees

Every time you pay with V PAY-Lukoil co-branded card yoy will get 2% discount for fuels, motor lubricants and all consumer goods in Lukoil stations in the country. The goods with banderol sign and vignette stickers are not included.

V PAY-Lukoil is е European debit card with latest generation protection with chip and PIN technology - there is no financial information stored on the magnetic band, which eliminates the chance of copying the data, recorded in the card.




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
  • 2% discounts for fuels, motor lubricants and all consumer goods in Lukoil gas stations

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

BGN 10

Opening of current account BGN 2

Reissuing after the expiry date

No fee

Reissuing 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

BGN 1.5

BGN 2.5

Change of the card parameters


Additional card


Benefits and package programmes

PLUS Programme

Modula Programme

2% discount in Lukoil

Transaction fees



Payment in merchant outlets in the country and in Europe

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

BGN 1,10

of banks of UniCredit abroad

No fee

of banks outside UniCredit abroad

EUR 3 + 1%

Balance inquiry at ATMs 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 merchant 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 3,000 for 1 transaction

BGN 3,200 for 24 hours

BGN 7,600 for 7 days

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

BGN 3,000 for 1 transaction

BGN 3,200 for 24 hours

BGN 7,600 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

V PAY Lukoil ensures guaranteed and secure access to your funds. It is accepted mainly in Europe and anywhere where the logo of V PAY is available.

  • Payment of products and services offered in merchant outlets at POS terminal in the country and abroad.
  • Collection points and payment with points at merchant outlets involved in PLUS Programme.
  • Cash withdrawals at ATM and POS terminal in any bank branch.
  • 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 and information on the last five transactions at ATMs in Bulgaria.
  • Balance inquiry 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 offering the service in Bulgaria.

How to Apply

Required documents

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

Apply for your V PAY-Lukoil

Lukoil gas station

If you don't have V PAY- Lukoil card yet, you can apply with a talon in the Lukoil gas stations listed below and expect a call from the bank, so you can get your card only with a single visit in a bank branch.


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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