UniCredit Bulbank products, services and reviews

About UniCredit Bulbank

UniCredit Bulbank AD is a Bulgarian universal bank owned by UniCredit S.p.A., operating under the supervision of the Bulgarian National Bank and EU banking rules (including PSD2 and AML/CFT requirements). It serves retail, SME, and corporate clients with current and savings accounts, debit and credit cards, consumer loans, mortgages, overdrafts, and term deposits, and provides corporate lending, cash management, merchant acquiring (POS/e‑commerce), trade finance (letters of credit, guarantees, collections), FX, and custody. Investment and insurance products are offered through distribution and group partners where applicable. Digital access is provided via Bulbank Mobile and Bulbank Online for payments, transfers, card controls, and account management; cards are contactless and typically support 3‑D Secure and major mobile wallets, subject to eligibility. The bank processes SEPA credit transfers in EUR and international payments via SWIFT in multiple currencies; standard cut‑off times, compliance screening, and correspondent bank charges apply, and FX rates/margins are published and may vary intraday. Account packages and card products carry monthly service fees and per‑transaction charges for domestic and cross‑border payments, ATM withdrawals (own vs other networks, and abroad), card issuance/renewal, and certain over‑the‑counter operations; conditions depend on product tier and customer segment and are set out in the official tariff. A nationwide branch and ATM network is available, including cash‑in ATMs in major locations, with usual maintenance windows and operational limits. Onboarding requires identification and customer due diligence; non‑residents and legal entities face additional documentation, tax residency declarations (CRS/FATCA), and source‑of‑funds checks, which can extend processing times for account opening and payments. Deposits are protected up to the statutory limit by the Bulgarian Deposit Insurance Fund per depositor per bank; investment products are not covered by deposit insurance and bear market risk. Corporate clients have access to payroll, liquidity and cash‑pooling options, e‑invoicing integrations, and specialized trade/custody services; leasing and factoring are available through UniCredit group companies in Bulgaria. The bank publishes fee schedules, interest rate bulletins, and financial statements prepared under IFRS, along with regulatory disclosures; service availability, rates, and terms are subject to change and may be updated without prior notice.