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
It's simple to get my card delivered to my address
The service is available for main or additional debit cards of individual customers and business clients. You can request this option for your card in an office of the bank, via Bulbank Mobile or by a phone call to the Call Center.
How to activate your card?
- Log into Bulbank Mobile and select the menu “Cards”. Open the issued new card, which is not active and appearing in gray;
- Select the option “Card activation”. Enter the personal activation code, which you can find in the letter that comes with your card;
- Remember your card PIN code appearing on the screen. This is your PIN code!
- It is now ready, your card has been activated!
What are the advantages of the process of delivery and self-activation of bank cards?
- You get your new card delivered to an address that is convenient for you in Bulgaria, with no need to visit a bank branch;
- You can make POS payments and card withdrawals with your card immediately after you have activated it in Bulbank Mobile.
- 24/7 process to activate cards and shortening the time for card activation as much as possible.
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.
Coverage
International
Functionality
Chip, magnetic stripe and contactless functionality
Currency
BGN, EUR and USD
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.
|
Parameters |
Value |
|---|---|
|
Issuing |
No fee |
|
Express issuing / reissuing |
BGN 10 |
|
Opening of a current account |
BGN 2 |
|
Reissuing of a card after the expiry date |
No fee |
|
Reissuing of a card before the expiry date |
BGN 5 |
|
Monthly card service fee |
No fee |
|
Monthly current account service fee: |
|
|
for customers with regular incomings |
BGN 1.8 |
|
for customers without regular incomings |
BGN 3 |
|
Change of the card parameters |
BGN 5 |
|
Additional card |
Yes |
|
Benefits and package programmes |
|
Parameters |
Value |
|---|---|
|
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 ePay.bg/B-pay system |
BGN 0,20 |
|
Cash withdrawals at POS terminal: |
|
|
in a bank branch |
BGN 3 |
|
of other bank in Bulgaria |
BGN 4 + 1% |
|
Abroad |
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.
|
Parameters |
Value |
|---|---|
|
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 ePay.bg 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:
-
You see the amount on the display of the POS terminal
-
Place the card close to the POS terminal symbol.
-
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
Online
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
Security Tips
Take care of your financial security by following a few simple rules when using your card.
Additional Card Services
Secure Payments on the Internet
Secure payments on the Internet by Virtual PIN. Confirmation of payments at merchants participating in the MasterCard SecureCode and Verified by Visa.
SMS Notification
Receive information about payments, withdrawals and balances on your bank card via SMS.
Infodirect
Infodirect is a convenient information service that tracks every movement on your account and you receive short SMS or e-mail messages.
Bank Card Insurances
Insure your debit or credit card, and items you carry with it against unforeseen events.
Other Debit Card Offers
Debit Card VISA Gold
VISA Gold Debit is an international contactless debit card intended for quick, easy and secure payments at ATM, POS terminal and in the Internet.
Debit Card Mastercard
Debit Mastercard is an international debit card intended for quick, easy and secure contactless payments without a requirement to enter PIN up to a limit.