Joint Fixed-term Deposit

Achieve higher return on your investment by opening a joint fixed-term deposit with an interest rate higher than that accrued on the savings and current accounts.

  • Interest rate higher than that accrued on current and savings accounts depending on the currency, term and amount of the deposit.
  • All holders can make additional payments during the deposit term.
  • All holders are entitled to jointly dispose of the funds on the deposit account.
  • Transactions on the fixed-term deposit can be made in each branch of UniCredit Bulbank.



6 months, 12 months or 24 months

Minimum amount for opening

BGN 50, EUR/USD/GBP 100 or CHF150

If you expect upcoming transfers and receipts in your joint deposit account you can open one-month fixed-term deposit with a zero balance for a period of 30 days.


The holders choose how to dispose of the interest, as follows:

  • They can let the interest accrue on the deposit amount.
  • They can withdraw the interest on the maturity date.
  • They can transfer the interest to another account opened with the bank, including in the name of third person.

Terms and Documents

Required Documents

  • Application for opening of joint deposit account
  • Contract for opening of joint deposit account in a form approved by the bank


Interest bulletin

Account Opening

The account can be opened by all holders

Upon submission of identity document.

The account can be opened by an authorised person

Upon submission of a notarised power of attorney which explicitly states the transactions that the authorised person is entitled to execute.

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