Compare Bank Accounts in Bulgaria

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What is a bank account in Bulgaria?

A bank account — typically a current account (разплащателна сметка) — is the everyday financial hub for receiving salary, paying bills, making card payments and transferring money. In Bulgaria, opening an account gives you a debit card, online and mobile banking, and access to SEPA euro transfers across the EU. Accounts are held in lev or euro, and are essential for salary payments, direct debits for utilities, and increasingly cashless day-to-day spending.

How the Bulgarian market works

Banks are licensed and supervised by the Bulgarian National Bank. The market spans large universal banks and smaller institutions, all offering current accounts with debit cards and digital banking. Number of branches, app quality and fees are the main differentiators. Because the lev is pegged to the euro at 1.95583 with euro adoption planned, many customers hold both lev and euro accounts. SEPA membership makes euro transfers across the EU straightforward.

Benefits

Everyday payments — receive salary, pay bills by direct debit and spend with a debit card.

Digital banking — manage money, transfers and cards from a mobile app.

SEPA access — send and receive euro across the EU efficiently.

Deposit protection — balances are covered up to 196,000 BGN / €100,000 per depositor per bank.

How to choose

Compare the monthly maintenance fee, card fees, ATM withdrawal charges (in and out of the bank's network) and transfer costs, since these drive the real price of an account. Check the quality of the mobile app and online banking, branch and ATM coverage if you handle cash, and whether a salary account waives fees. Consider whether you need a euro account alongside lev given planned euro adoption.

Leading providers in Bulgaria

DSK Bank (OTP) and UniCredit Bulbank are the two largest, with wide branch and ATM networks and full-featured apps. First Investment Bank (Fibank), Postbank (Eurobank), Municipal Bank, Central Cooperative Bank and Allianz Bank Bulgaria all offer current accounts with debit cards and digital banking. All are BNB-supervised and covered by the national deposit guarantee scheme.

What it costs

Current accounts commonly carry a monthly maintenance fee, sometimes waived if your salary is paid in or you meet a minimum balance. Additional costs include card issuance and annual fees, out-of-network ATM withdrawals, and charges for transfers and cash handling. Many banks offer packaged accounts bundling the account, card and a set of free transactions for a flat monthly fee — compare these against pay-as-you-go pricing for your usage.

Protections and regulation

Banks are supervised by the Bulgarian National Bank, and eligible balances are covered by the Bulgarian Deposit Insurance Fund up to 196,000 BGN / €100,000 per depositor per bank. Payment services follow EU rules, including strong customer authentication for online transactions. Fees and terms must be disclosed in a standardised fee document, making it easier to compare accounts across banks before you open one.

Common questions

Can I avoid the monthly fee? Many banks waive it if your salary is credited to the account or you keep a minimum balance.

Should I hold euro as well as lev? A euro account is useful for EU payments and ahead of planned euro adoption.

Is my money protected? Eligible balances are covered up to 196,000 BGN / €100,000 per depositor per bank.

Bank Accounts in Bulgaria — FAQ