DSK Bank products, services and reviews

About DSK Bank

DSK Bank EAD is a Bulgarian licensed credit institution owned by Hungary’s OTP Group and supervised by the Bulgarian National Bank; customer deposits are protected by the Bulgarian Deposit Insurance Fund up to the BGN equivalent of EUR 100,000 per depositor per bank. The bank operates nationwide with a broad branch and ATM network and provides retail, SME, and corporate banking services, including current and savings accounts in BGN and major foreign currencies, term deposits, domestic and SEPA payments, international transfers via SWIFT (BIC STSABGSF), debit and credit cards on the Visa and Mastercard schemes, foreign exchange, consumer loans, mortgages, business lending, trade finance, and cash management. DSK offers internet and mobile banking with strong customer authentication under PSD2, 3‑D Secure for online card payments, and contactless and wallet integrations on supported devices; service availability and functionality can vary by customer segment and device. Following OTP Group’s acquisition of Societe Generale Expressbank, that operation was integrated into DSK Bank’s platform, expanding its customer base and distribution. Standard account and payments fees apply and differ by package and channel; international transfers may incur correspondent charges and FX margins; lending terms depend on credit assessment, collateral, and product type, with early repayment and other contractual fees disclosed in pre‑contract information. Accounts are typically available to residents with valid identification and to non‑residents subject to enhanced documentation, tax self‑certifications, and source‑of‑funds checks; corporate onboarding requires company registration documents and authorized signatory verification. Bulgaria participates in SEPA and maintains a currency board with a fixed BGN/EUR rate, which removes day‑to‑day volatility versus the euro but leaves exposures in other currencies subject to FX risk. Product terms, cut‑off times, interest rates, and tariffs are published by the bank and may change without prior public notice under applicable law and contractual conditions.