Texim Bank products, services and reviews

About Texim Bank

Texim Bank AD is a Bulgarian commercial bank operating under the supervision of the Bulgarian National Bank and within the EU regulatory framework for capital, conduct, and consumer protection. The bank provides retail and business banking services that typically include current and savings accounts in BGN and major foreign currencies, term deposits, debit and credit cards, domestic and cross-border payments, and lending to individuals and small and medium-sized enterprises. Payment capabilities cover local transfers in lev, SEPA credit transfers for euro payments within the Single Euro Payments Area, and international transfers via SWIFT; card transactions are processed through the major international card schemes with standard 3‑D Secure protocols for online purchases. Internet and mobile banking channels support routine account management, payments, card controls, and security features such as two-factor authentication; access for regulated third parties is available under PSD2 open-banking rules. Deposits are protected by the Bulgarian Deposit Insurance Fund up to the equivalent of EUR 100,000 per depositor per bank, subject to statutory conditions and exclusions. The institution operates a domestic branch and ATM network and offers remote servicing through online channels and contact centers; service availability, cutoff times, and processing schedules follow published timetables. Business clients have access to transactional accounts, collections and payouts, payroll, and financing options; trade-related services and bank guarantees may be available subject to eligibility. Pricing is set out in the bank’s tariff, with common charges for account maintenance, transfers, cash transactions, cards, and currency exchange; foreign transfers and FX conversions involve additional fees and spreads. The product range and geographic footprint are oriented to Bulgaria, and customers with extensive international needs or specialized investment services should confirm capabilities in advance. Rates, limits, and fees change periodically, so reviewing the latest schedule and contractual terms before opening an account or applying for credit is necessary.