• Calendar Icon 10/31/2025
  • Check Icon in force of 01/01/2026
  • Text File Icon Tariff, Accounts, Electronic Services, Cards, General terms, Client information

Notification of changes in the General Terms and Conditions for Bank Accounts, Bank Cards for Individuals; services "Bulbank Online" and "Bulbank Mobile" and in the Tariff of fees and commissions for individuals - in force as of 01.01.2026

Dear customers,

We would like to inform you that on 01.01.2026 UniCredit Bulbank AD is introducing changes, including amendments in connection with the adoption of the euro as the official currency in the Republic of Bulgaria, in the following documents:

  1. General Terms and Conditions for Opening, Servicing and Closing Bank Accounts of Individuals and for Providing Payment Services and Instruments:
  • The texts concerning the systems and hours for making transfers are updated and the texts concerning direct debit are removed due to the discontinuation of the service;
  • Changes related to the "Utility and Periodic Payments" services;
  • Changes related to notifying the Bank of changes in the information and documents related to the identification of a client/his proxy;
  • Changes regarding the method of providing/ making available of information on payment transactions and the available balance on a bank account, if this information is not provided/made available to the holder for reasons beyond the Bank's control;
  • Changes regarding the unilateral termination by the Bank of a payment account agreement for basic features;
  • Changes regarding the closure of an account upon the death of the account holder;
  • Arrangement of unilateral closure by the Bank of an account for which no monthly service and maintenance fee is charged and the balance on the account is below the required minimum, according to the Bank's Interest Bulletin for individuals, for a period of 12 consecutive months;
  • Arrangement of unilateral closure by the Bank of an account opened for charitable purposes, on which there is no balance and no payment transactions have been made for a period of 12 consecutive months;
  • A change is introduced in the terms and conditions for servicing a donation account, on which there is no balance and no payment transactions have been made for a period of 12 consecutive months;
  • Other changes, related to the update of the document.

 

  1. General Terms and Conditions for Bank Cards for Individuals and for Providing Payment Services by Card as an Electronic Payment Instrument:
  • The texts relevant to direct debit are removed due to the discontinuation of the service;
  • The charging of a monthly fee for servicing and maintaining a card account is regulated in the event that, after closing the main bank card, the obligations on which were repaid from this card account, there is cash remaining on the card account and the authorized user has not indicated how the available funds should be provided to him;
  • Other changes, related to the update of the document.

 

  1. General terms and conditions for the provision of electronic banking services "Bulbank Online" and "Bulbank Mobile":
  • Texts are being introduced for the "Periodic Payments" service. The service for executing automatic periodic payments can now only be requested through a subscription in "Bulbank Online", eliminating the possibility of requesting through a branch of the Bank;
  • Other changes, related to the update of the document.

 

  1. Tariff of fees and commissions for individuals:
  • Limits and thresholds for performing operations, including those related to fees and commissions, for performing transactions with financial instruments, for ATMs and cards are presented in euros;
  • Due to the discontinuation of the direct debit service, the fees and commissions related to it have been removed;
  • The payment account services for basic features have been updated, offered free of charge, in case funds from wages, pensions, social security and social assistance benefits and allowances, scholarships for students, undergraduates and doctoral students and the interest thereon are received and stored on it - monthly up to three credit transfers initiated by the holder, including through the Bank's online banking systems, and up to ten cash withdrawal operations from the Bank's ATMs, for which no fees are charged;
  • The texts regarding the commission for early repayment of a bank loan are removed;
  • Other changes related to the update of the document.

The amended General Terms and Conditions for Opening, Servicing and Closing Bank Accounts of Individuals and for Providing Payment Services and Instruments are available at the Bank's branches and on its website.

 

For additional information, you can contact your servicing banker or the Customer Contact Center of UniCredit Bulbank AD on phone 0700 184 84.

With the present notification, UniCredit Bulbank AD fulfills its obligation, according to Art. 62 of the Payment Services and Payment Systems Act and informs the payment services users hat it reckons they have accepted the changes in the conditions of the Framework agreement, unless they notify the Bank that they do not accept these changes before the date of entry into force of the changes. Provided that the payment service users does not accept the changes, the Bank informs that the users have the right to terminate the Framework agreement and any other related contracts, before the date on which are proposed of entry into force of the changes, without being responsible for costs and compensation.

 

 

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