Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



Branches and ATMs

Find the nearest office or ATM

Corporate Banking


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 101


(+359 2) 91 985 140


Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center


(+359 2) 962 41 02

Calls to 0700 10 000 are charged according to your tariff plan for calls to 0 700 numbers.

Calls to 1721 are billed as A1-A1 or Yettel-Yettel according to the subscribers own rate plan.



Viktor Spasov, Head of Factoring Department


(+ 359 2) 91 985 774

(+ 359) 886 999 569

Financial Institutions/ Sovereigns Department


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


(+359 2) 91 985 423


(+359 2) 943 45 57


Capital Markets Saled Department

Nayden Chernev, Head of Department


(+359 2) 91 985 456



(+ 359 2) 91 985 429

(+ 359 2) 91 985 454



(+359 2) 91 985 490

(+359 2) 91 985 496




Tariff for fees and commissions for Legal entities and Sole traders

Tariff for Banks

General Conditions and Forms

General Conditions and Forms for Legal entities and Sole traders.

All documents


Notifications from the bank about changes in products and services - interest, fees and commissions, loans, deposits.

All notifications


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    Viewed pages

    List of last viewed pages.

    Frequently asked questions

    Registration and access

    What levels of access can I set?

    You can set active or passive rights. If you want to have access to all KBC Online Bulgaria features, select active rights. If you don’t want it to be possible to use online banking to perform bank transactions or manage your products, select passive rights.

    What is the difference between active and passive banking?

    With passive rights, you receive access to information on the products you use, but you can’t perform any bank transactions relating to them. With passive rights, you:

    • Receive up-to-date information on your accounts – funds available in current and card accounts, statements, information on transfers received or initiated by you
    • Monitor your loans – information, including grant date, loan payments and principal remaining
    • Receive information on the amounts in your deposits
    • Receive news on promotions and new products.

    With active rights, in addition to access to up-to-date information, you can:

    • Make BGN and foreign currency transfers within the country and abroad, as well as exchange money
    • Submit electronic applications for bank products and services
    • Manage your deposits – open and close term deposits
    • Place electronic orders for units in the mutual funds of KBC Investment Management

    How do I sign up for the KBC Online Bulgaria service?

    To sign up for KBC Online Bulgaria, you have to visit a bank office that is convenient for you and receive a PIN envelope with a username and password for access to the platform.

    How do I access the KBC Online Bulgaria service?

    You have to enter the username and password provided to you by the bank in a sealed PIN envelope. On your first login, the system will ask you to change your password.

    We recommend you regularly change your password for security purposes by selecting Your name (at the upper right corner) -> Change password from the main menu.

    You can also change your username by selecting Your name (at the upper right corner) -> Change username from the main menu.

    What browser should I use for KBC Online Bulgaria?

    You can use any browser, including Google Chrome, Internet Explorer, Mozilla Firefox, etc., both for passive banking (information on balances and activity in accounts, deposits, loans, bank cards) and for active banking (signing payment orders).

    What should I do if I forget my username and/or password for KBC Online Bulgaria?

    When entering the username/password, make sure you follow the requirements for digits and small/capital letters in the Latin alphabet. The system allows unlimited login attempts, but after the third wrong attempt, it will ask you to enter an additional control code which will be displayed on the screen.

    If you can’t remember your username and password, you can only get a new PIN envelope by going into a bank office in person.

    How can I perform active transactions (transfers) through KBC Online Bulgaria?

    To perform transfers through KBC Online Bulgaria, you need to have indicated during the service registration process that you want to have active transaction rights. In active transactions, payment orders are signed (confirmed) using a code generated by a token device or sent to your phone as an SMS.

    Individuals registered with KBC Online Bulgaria can transfer money between their own accounts, regardless of the amount, without an SMS or Token authentication code.

    How can I sign up for the KBC Online Bulgaria mobile app?

    You can check whether you have access to the mobile app from the Mobile banking menu in your KBC Online Bulgaria account. If your access status is Enabled, all you have to do is install the app on your mobile device (smartphone, tablet). If the access status is Disabled, you’ll have to go to a bank office to submit a service activation application.


    How can I view my account statements?

    From the Accounts -> Statements menu, you have access to the statements of your current accounts (with or without debit cards) in print format (PDF) and electronic processing format (MT940).

    From the Cards -> Statements menu, you have access to your credit card statements in print format (PDF).

    You need to select an account and set a search period. After the system displays the results, you can download and save the statements on your computer.

    How do I check whether my payment orders have been successfully signed and sent?

    Select the Transfers -> Pending menu. If you see the order in a table with a list of payments, that means it has not been sent to the bank for execution, i.e. it’s waiting for you to sign and/or send it.

    If you see the payment order in the Transfers -> Archive menu and its status is Accepted for Processing (and it has an additional status), that means you have successfully signed and sent it to the bank system for execution.

    Why can’t I see my deposits or loans in KBC Online Bulgaria?

    Because when you signed up to KBC Online Bulgaria in a bank office, you did not expressly state in the form that you want to have deposit and loan rights.

    If you want to register for them, you can do so at any bank office. KBC Online Bulgaria offers individuals who have active rights the option of registering online from the Forms menu.

    How can I open or close a deposit in KBC Online Bulgaria?

    It is necessary to have registration for active operations with deposits.

    You must also have a method of additional authentication (token or SMS code) and a current account in the deposit currency.

    Deposits can be opened from the Deposits/Deposit opening menu. After the request is created, you have to sign with SMS code or token and send it. If you fill-in form and save it without signing it will besaved in the Deposits ->Pending requests. In the Deposits/Archive menu, you can monitor whether the request has been successfully sent for processing and what its status is.

    What is the difference between KBC Online Bulgaria and KBC Electronic Statements?

    Those are two different services accessible on different website addresses using different usernames and passwords. For the Raiffeisen Electronic Statements service, you need to register separately at a bank office, where you’ll receive a PIN envelope different from the one for KBC Online Bulgaria.

    If you’re already a KBC Online Bulgaria user, you don’t have to register for KBC Electronic Statements too, because you’ll see the same statements on both platforms.

    Do I need a qualified electronic signature (QEP) to do active banking through KBC Online Bulgaria?

    Only legal entities who want to use the option of submitting an online application for a bank guarantee or letter of credit need a QEP.

    In all other cases, to perform active transactions through KBC Online Bulgaria – initiate transfers, send requests, open/close deposits – you have to choose between the two authentication methods offered by the bank: token device or SMS code.

    How do I register a qualified electronic signature in KBC Online Bulgaria?

    Once you’ve accessed your account using your username and password, you need to select the Your name (at the upper right corner) /Electronic signatures menu. Select the "Register Universal Electronic Signature" button and follow the onscreen registration steps. If you successfully pass all steps, a message will be displayed on the final one, saying that the request is waiting for approval from an administrator.

    SMS confirmation

    What is an SMS confirmation code?

    SMS - confirmation code is an additional online payment protection method. This single-use code is valid for a limited time and is sent by Raiffeisenbank to a mobile phone as a text message.

    Who is the service aimed at?

    SMS confirmation code is a service accessible to all current and future KBC Online Bulgaria users who use online banking for active transactions and have a valid mobile number with a Bulgarian mobile network operator.

    What is the price of the service?

    Signing up for the service and receiving text messages is completely free of charge. In addition to the payments’ guaranteed security, you save on the cost of bank transactions, because the fees for transfers made through KBC Online Bulgaria are substantially lower than payments made at a bank office.

    How can I sign up for the service?

    All KBC Bank customers can sign up for this service by visiting any KBC Bank office and asking to use active online banking using an SMS confirmation code.

    How are payments that use an SMS transfer confirmation code made?

    To confirm a payment on the KBC Online Bulgaria platform, you’ll receive a text message to the mobile phone number you’ve indicated in the service registration form. The SMS will include a single-use code to confirm the transfer/group of transfers selected. The text message will also contain payment information: the amount being transferred and the last digits of the recipient’s account. You have to enter the transaction confirmation code in the system. For additional security, you are recommended to compare the transfer details in the text message with the transaction information entered in the computer. You can use one SMS code to confirm a group of payments.

    How can I confirm payment orders with an SMS code?

    To sign payment orders using an SMS code, you have to complete the following steps:

    1. When you select the Send button, a table containing basic information about the transfer and a box to enter the SMS code will appear on the screen.
    2. The system will send a message containing a confirmation code and transfer details to the mobile phone number you’ve provided.
    3. Compare the details with those displayed by the system and, if they match, enter the confirmation code in the relevant box on the screen. Then press the Confirm button.

    Do you offer other information protection methods?

    KBC Bank continues to offer other modern services for additional protection of online banking, such as token devices.

    Token confirmation

    What is a token?

    KBC Bank provides two types of token - a hardware device or a specialized mobile application (software token).

    The hardware token generates one-time valid digital codes based on a scanned image from KBC Online Bulgaria, which is linked to your payment information.

    The software token has the ability to confirm payments in two modes (offline and online).

    What does the token do?

    The token provides:

    • Additional security in bank transfers or other transactions performed in an online environment.
    • Convenient and easy use.
    • Mobility – usable anywhere in the world at any time.

    How can I get a token?

    You can buy a token from every KBC Bank office.

    The KBC Token software token can be downloaded from the Google Play Store for Android or the App Store for iOS.

    What is the price of the token?

    • Hardware token - BGN 60.00 (inclusive of VAT).
    • Software token - free of charge.

    How can I confirm a payment with a Token device?

    • By scanning a Cronto image and generating a one-time confirmation code, even without an internet connection available. Available for hardware and software token.
    • via push notification (requires internet connection). Available for software token only.

    What should I do if I enter wrong PIN?

    After entering five wrong PINs, the token automatically deletes its activation. In order to be reactivated, it is necessary to go through the activation procedure in KBC Online Bulgaria online banking.

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