T.C. Ziraat Bank, Sofia Branch products, services and reviews

About T.C. Ziraat Bank, Sofia Branch

T.C. Ziraat Bank, Sofia Branch operates in Bulgaria as the local branch of T.C. Ziraat Bankası A.Ş., under authorization and supervision of the Bulgarian National Bank and in line with Bulgarian and applicable EU regulations. The branch provides standard banking services to corporate, SME, and individual clients, including current and savings accounts in BGN and major foreign currencies, time deposits, domestic and cross-border payments, foreign exchange and cash operations, lending for working capital and investment needs, and trade finance instruments such as letters of credit and bank guarantees. Fees for account maintenance, transfers, cash services, and currency conversion are set in the bank’s published tariff, with transfer pricing varying by channel, currency, and urgency; FX transactions are executed at the bank’s quoted rates and spreads. Remote access is available via online and mobile banking for account management and payments, while in-person services are provided at the Sofia office; customer service is commonly available in Bulgarian and English. Eligible deposits placed with the Sofia Branch are protected by the Bulgarian Deposit Insurance Fund up to the statutory limit per depositor per bank (the BGN equivalent of EUR 100,000), subject to legal exclusions; payments and international transfers are processed through standard Bulgarian clearing arrangements and SWIFT. As a branch of a foreign bank, capital and risk management are aligned with group policies while subject to local prudential oversight; the product range and physical footprint in Bulgaria are more limited than those of universal retail banks with broad branch and ATM networks, which may affect cash-dependent activity. Credit pricing, collateral requirements, and documentation reflect current market conditions and the institution’s risk appetite, and prospective clients are expected to review the latest tariff, terms, and KYC documentation before opening accounts or applying for financing.