Debit Card VISA Debit

  • Contactless payment for daily purchases No requirement to enter PIN for card purchases up to BGN 100 in the country
  • Maximum protection of the card payments at all ATMs and POS terminals
  • Automatic participation in PLUS Programme You collect and spend points in any card purchase in our partner network
VISA Debit

Features and Fees

Visa Debit is the international debit card with contactless functionality which ensures guaranteed and secured access to your funds 24 hours a day.

Use the card in the standard manner or make contactless payments in your daily card purchases. Pay quickly and easily in any merchant outlets marked with the contactless payment symbol.

Card digitization





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

  • Module 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

BGN 1.8

for customers without regular incomings


Change of the  card parameters


Additional card


Benefits and package programmes

Modula Programme

Academic League


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 Group abroad

No fee

of banks outside UniCredit Group abroad

ЕUR 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%


ЕUR 3 + 1%

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 in 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 Debit can be used in more than 32 million merchants outlets all over the world, in the Internet and at 1.9 million ATMs which accept Mastercard.

  • 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 100 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.
  • 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.

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 50.

How to Apply

Required documents

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

Apply for your VISA 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

Digitize your card now!

Forget about your overfilled pockets and bags!

It's easy to pay with your phone by adding your card to Apple Wallet or Digital Wallet for Android.


Security Tips

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

Additional Card Services

Other Debit Card Offers

The new simple!

Bulbank Mobile

We brought banking at your fingertips!

Learn more

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