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Collection of cash on agreed days and hours
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Corporate Clients
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Financing
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Loans
Loan products for corporate clients – financing for the investment needs of your business, working capital financing.
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European and National Funding Programmes
Guarantee agreements with the European Investment Fund (Innovfin, COSME, SME Initiative) and National Guarantee Fund.
- Guarantee Agreement InnovFin InnovFin Guarantee Agreement provides support for innovative and fast-growing enterprises.
- Guarantee Agreement InnovFin COVID-19 Guarantee has been provided by the European Investment Fund and the European Investment Bank in response to the policy to address the economic crisis caused by COVID-19.
- Guarantee Agreement COSME Guarantee provided under COSME by the European Strategic Investment Fund (EIFF) to support small and medium-sized enterprises.
- Guarantee Agreement JEREMIE Trade Finance The Program is developed in support of Small and Medium-sized enterprises, including Small Mid-Caps by providing enhanced access to trade finance products as well as working capital financing.
- First Loss Portfolio Guarantee COVID-19 The purpose of the Programme is to support micro, small and medium-sized enterprises to overcome financial difficulties caused by the COVID-19.
- Guarantee Agreement Cultural and Creative Sectors Guarantee Facility Guarantee is provided by the European Investment Fund with the financial support of the European Union under the Creative Europe Program.
- Factoring A package of financial services, including the financing of trade receivables with deferred payment, without additional collateral.
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Specialized Products
A variety of specially developed products designed to fulfill your business needs.
- Credit for Rehabilitation of Multi-Family Residential Buildings Specialized lending product for financing under The Energy Efficiency of Multi-Family Residential Buildings National Programme.
- Project Financing Loans for financing various projects, repaid with the revenues generated by the project itself.
- Agrooverdraft Short-term financing in BGN for farmers and stock-breeders, approved for receiving grant by the State Fund "Agriculture".
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Loans
Loan products for corporate clients – financing for the investment needs of your business, working capital financing.
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Cash Management
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Accounts
Raiffeisenbank offers different types of accounts for local and foreign companies, either in BGN or in foreign currencies.
- Current Account Current accounts are convenient for effecting day to day banking operations and transfers.
- Capital Account Capital accounts are used to raise initial capital when setting up joint stock companies or increase the capital of already set up joint stock companies.
- Special (Escrow) Account Raiffeisenbank opens special (escrow) accounts for the purpose of making payments under specific conditions.
- Bundles RaIpayment Raiffeisenbank offers various bundles of cash management services tailored to clients’ individual needs.
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Payments
A wide rangeof services for optimal cash management — transfers, cheques, payroll, direct debit.
- Transfers The clients have the possibility to receive or send payments in BGN or another currency. Clients’ funds are safe and accessible at any time.
- Payroll The clients could effect salary payments in favour of their employees.
- Direct Debit The clients have the possibility to collect cash receivables from all of their customers.
- Cash Collection and Cash Services Processing, counting, cash control and deposit of the collected cash to clients’ account. Cash deposit and withdrawal in different currencies at Raiffeisenbank’s branches.
- Cash Pooling The service offers the possibility for corporate clients of Raiffeisenbank to improve and optimize the management of their cash flows.
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E-banking
Clients can easily access their company accounts via Raiffeisenbank electronic banking system enabled with sophisticated information protection technology.
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Raiffeisen ONLINE
Optimize the cost of monthly fees and bank transactions with Raiffeisen ONLINE. You can perform bank operations at any time without having to visit a bank office.
- Mobile Banking You can perform and confirm transactions through your business and personal mobile phone, you receive 24/7 access to up-to-date reference information of your company accounts, credits, and deposits.
- MultiCash (ELBA International) Multicash (ELBA International) is a software programme for electronic banking that offers a reliable alternative to traditional banking.
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Raiffeisen ONLINE
Optimize the cost of monthly fees and bank transactions with Raiffeisen ONLINE. You can perform bank operations at any time without having to visit a bank office.
- Fixed Term Deposit The Bank offers term deposits in national and foreign currencies — EUR, USD and GBP, for a predefined period.
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Accounts
Raiffeisenbank offers different types of accounts for local and foreign companies, either in BGN or in foreign currencies.
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Trade Finance
Financing of your international trade deals or protecting against financial loss, whether it refers to import or export.
- Bank Guarantee You can lower the risk when dealing with counterparties by including a bank guarantee in your agreements.
- Documentary Letter of Credit The Documentary Letter of Credit is a widespread and reliable form of payment.
- Documentary Collection The documentary cash collection is the processing of commercial and/or financial documents by the Bank in accordance with the written instructions received from the exporter in order to obtain payment
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Cards and Terminals
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Investments
- Investments and Foreign Exchange You can tradeon the Bulgarian and international capital markets, invest your savings, make currency exchange or manage your business related risks
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Mutual Funds
Raiffeisen Asset Management funds are a great investment opportunity. Mutual funds are suitable for individual, corporate and institutional clients.
- Raiffeisen Conservative Fund Bulgaria Raiffeisen Conservative Fund Bulgaria is the biggest fund in Bulgaria and invests up to 100% of its assets in Bulgarian government bonds. Government bonds are issued by the state.
- Raiffeisen (Bulgaria) Active Protection in EUR Raiffeisen Active Protection has its own protection mechanism, aiming to maintain 90% of the highest historical net asset value reached.
- Raiffeisen (Bulgaria) Active Protection in BGN
- Raiffeisen (Bulgaria) Global Mix Historical performance! The fund is a feeder collective investment scheme which constantly has 85% or more of its assets invested in the Raiffeisenfonds-Sicherheit master collective scheme.
- Individual Investment Plan Invest in your dreams! Individual Investment Plan is a convenient savings scheme which will help you achieve your plans.
- Custody and depository services Raiffeisenbank is one of the leading banks in the country, offering custodian and depository services for Bulgarian and foreign clients.
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Support
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Useful Information
- MIFID Information Markets in financial instruments directive (MIFID) – harmonized EU regulations, procedures and requirements regarding the deals with financial instruments.
- Information about EMIR European market infrastructure regulation which defines clear rules for transactions with OTC derivatives. Counterparty classification.
- Account Balances and Movements The bank provides its customers with information about account balances and movements.
- General Conditions and Forms General conditions and forms for Legal entities
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Useful Information
- Useful Tools
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Financing
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Financial Institutions
- Banks Raiffeisenbank has established correspondent relationships with more than 1000 correspondent banks, including more than 50 vostro and 20 nostro accounts held in local and foreign currency.
- International Financial Institutions Raiffeisenbank maintains long-standing relationship with IFI and GF providing for Programmes designed to enhance competitiveness and promote investments by SMEs, corporate clients and municipalities.
- Non-bank Financial Institutions Raiffeisenbank is one of the preferred partners for the non-bank financial institutions and provides full range of services to an increasing number of insurance and pension insurance companies.
- Institutional Clients
