Raiffeisen ONLINE

Raiffeisen ONLINE - the shortest way to your money

Information about your accounts, execute payment orders

What do you get with Raiffeisen ONLINE?

  • More free time - up to date information about your accounts, sending money transfers and electronic application forms for bank products and services, without visiting a bank branch

  • Lower banking costs – no registration and service charge; lower rates for electronic payments compared to paper payments executed in the branch

  • Security - reliable protection for your money provided by different additional security devices

  • Speed – tracking your accounts’ movements at anytime and anywhere in the world

  • Convenience – 24/7 banking* from any device with internet access - your personal computer, your tablet or smartphone

What services are offered by Raiffeisen ONLINE?

Receive relevant information regarding your accounts

  • Balances on your current and card accounts
  • Daily and periodic statements in a printable format
  • Bank statements for RaiCard, Visa and MasterCard
  • Information about received and ordered payments
  • Exchange rates

Execute payment orders within the bank and orders to third parties

  • Order payments in local and foreign currencies
  • Order domestic and cross-border payments
  • Orders to budget organizations
  • Currency exchange
  • Mass payroll payments to your staff (only for legal entities)
  • Package payments (only for legal entities)
  • E-invoice payments
  • Payment templates
  • Manage your beneficiaries

Sending electronic application forms

  • Cash withdrawal request form
  • Adding account and changing user rights in Raiffeisen ONLINE /only for private individuals/
  • Give up paper statements
  • Subscribe to current account with debit card “Plus” for existing accounts /only for private individuals/
  • Package programs for micro enterprises /only for legal entities/
  • Application to issue a bank guarantee /only for legal entities/
  • Application to issue a letter of credit /only for legal entities/

Manage your deposits

  • Information about the balances on your deposits
  • Open term deposits
  • Terminate term deposits

Track your loans

  • Information about the utilization date of the loan
  • Information about next loan payment
  • Information about current principal of the loan

Actual information about promotions and new products

Submit online orders for mutual funds

Additional services

  • Same username and password for Raiffeisen ONLINE for all your accounts - personal and corporate
  • You can export data in different formats - Word, Excel and XML
  • You can authorize other persons to have access to your accounts in Raiffeisen ONLINE and specify their access rights.

* More information about the processing time of electronically ordered payments could be found in the Tariff

Save while banking online

What do you save by using Raiffeisen ONLINE?

  • Time – Banking* anytime, anywhere

No need to leave your home or office, neither visit a bank branch.

  • Money - Reduce your monthly expenses on banking transactions

Up to 50% lower fees for payment orders through online banking compared to transactions ordered in paper form in the bank office.

  • No registration or maintenance fees

Bank service Fees and commissions (in  paper form) Fees and commissions (via Raiffeisen ONLINE) How much you save
Transfer in BGN to other bank via BISERA BGN 2 BGN 1 BGN 1
Transfer in BGN to other bank via RINGS BGN 15 BGN 9 BGN 6
Internal bank transfer in BGN (between different customers) BGN 1 BGN 0.50 BGN 0.50
Transfer in foreign currency to other bank - Individual clients 0.20% min 17 EUR 0.15% min 15 EUR 0.05% min 2 EUR
Internal bank transfer in foreign currency (between different customers) 3 EUR 1.5 EUR 1.5 EUR
Request for Direct debit BGN 2 BGN 1 BGN 1
Salary transfer to employees' accounts through mass payment 0.2% 0.1% 0.1%
Transfer in foreign currency to other bank - Corporate clients 0.15% min 15 EUR 0.10% min 10 EUR 0.05% min 5 EUR
  • Registration for using Raiffeisen ONLINE - free of charge
  • Monthly maintenance fee - free of charge
  • Receiving SMS one-time code for confirmation of paymnets - free of charge
  • Security Token - single charge of BGN 30 (VAT incl.)

For all other fees and commissions for using Raiffeisen ONLINE the current Tariff of Raiffeisenbank is to be applied.

* More information about the processing time of electronically ordered payments could be found in the Tariff

Raiffeisenbank recommends you to follow the Security Instructions for usage of Raiffeisen ONLINE and to take advantage of the security devices which the bank offers.

Choose the level of access depending on your needs

The passive banking provides the following options

  • Balance on your current and card accounts, daily and periodic statements in a printable format, information about received and ordered payments
  • Track your loans - information about the next payment, utilization date of the loan and current principal
  • Information about the balances on your deposits
  • Actual information about promotions and new products

The active profile provides the following options

  • Order payments in local and foreign currencies, domestic and cross-border payments, execute currency exchange
  • Sending electronic application forms for bank products and services*
  • Manage your deposits - open and terminate term deposits
  • Submit online orders for mutual funds – Raiffeisen Asset Management

* In order to use applications to issue a bank guarantee or letter of credit, the CLIENT, a legal entity shall also register in Raiffeisen ONLINE a Qualified Electronic Signature /QES/

Authorization

All active operations in Raiffeisen ONLINE will be performed only through one of the following devices of authorization.

SMS authorization code

When confirming a payment or a form in Raiffeisen ONLINE, you will receive on the registered Bulgarian mobile number an SMS message with a one-time valid code which you should enter in the system. For additional security the SMS message contains also data of the payment - the amount and last digits of beneficiary account or the type of the electronic form. With a SMS code, you may confirm more than one payment/form at once.

The registration for the service and receiving of SMS messages are free of charge.**

** Additional costs may be applied by your mobile service provider, when receiving a SMS in roaming.

Token authorization

The TOKEN is an easy to use device for additional security for active operations in Raiffeisen ONLINE. The TOKEN generates unique digital codes for confirmation of the transactions or electronic forms.
The TOKEN doesn’t require installation on the PC or other specific configuration settings.

Single fee to purchase the device – 30 BGN (VAT incl.)

Download the free native application of Raiffeisen ONLINE for iPhone, iPad и Android™

No additional registration for using the mobile application is required – you use the same login credentials as in Raiffeisen ONLINE*.

Download the mobile application for your device from here:

Market Operation System QR Code
AppStore Icon iPhone, iPad (OS version 4.3 or higher)  
GooglePlay Icon Android™ ( version 2.3.x or higher)  

 

  • Quick and free access to your internet banking profile via the mobile application
  • By using the mobile application you can use a wide range of services
    • View details and transaction history on your registered accounts – current accounts, debit cards, credit cards and deposits
    • Access information about available amount and transactions of bank cards
    • Order payments in local and foreign currency up to 2 000 BGN upon confirmation with additional security device - SMS code or TOKEN.**
    • Access to your pre-defined templates and beneficiaries from Raiffeisen ONLINE
    • Receive information messages
    • Raiffeisenbank branches and ATMs locator - view on the map the closest to your location bank branches and ATMs
    • Currency converter - exchange rates and convert between main currencies

*Upon the registration for Raiffeisen ONLINE the client shall specify the access via the mobile application.
** For private individuals, transfers between own accounts registered in Raiffeisen ONLINE, can be done without SMS code or TOKEN confirmation.

Additional options for your convenience and higher security

  • Specify a mobile number, different from the one used for Raiffeisen ONLINE, for receiving an SMS codes as additional security device for the mobile application. 
  • Users of Raiffeisen ONLINE can choose SMS code or TOKEN for active banking via the mobile application

Apple, Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Android is trademark of Google Inc. Google Play is trademark of Google Inc.

Registration in the bank office

  • You should visit any of the branches of Raiffeisenbank and apply for registration
  • After you submit the application form, you will immediately receive your personal username and password for Raiffeisen ONLINE
  • To authorize another person to have access to your accounts in Raiffeisen ONLINE, you should visit a bank branch and fill-in the application form and specify the user access rights.

Activation of your registration

  • Private individuals receive access to the services of Raiffeisen ONLINE in one working day after they have received their personal username and password
  • Legal entities receive access to the services of Raiffeisen ONLINE in three working days after they have received their personal username and password.