Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



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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


0700 10 000 (Vivacom)

17 21 (A1 and Yettel)

(+359 2) 962 41 02


(+359 2) 962 78 59

0700 10 000 calls for Vivacom subscribers are at the price of local call for people calling from all around the country - the difference between long-distance and local call is covered by Raiffesienbank.
17 21 calls for subscribers of mobile operators A1 and Telenor are at the price of internal call/within the same network – A1-A1 or Yettel-Yettel depending on customer individual 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 Market Sales Department

Nayden Chernev, Head of Department


(+359 2) 91 985 456

Sales of Capital Markets Products Section

Nikolay Kichukov, Senior Broker


(+359 2) 91 985 490

Currency market and market risk management

Svetslav Georgiev, Senior Dealer


(+ 359 2) 91 985 464

Mariela Smileva, Dealer


(+359 2) 91 985 454

Elka Petkova, Dealer


(+ 359 2) 91 985 429



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.

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

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    Guarantee Agreement COSME

    Raiffeisenbanl uses a guarantee provided by the Programme for Competitiveness of Enterprises and Small and Medium-sized Enterprises (COSME) and the European Fund for Strategic Investments (EFSI) set up by virtue of the Investment Plan for Europe. The purpose of the EFSI is to support financing and investments within the European Union and to stimulate increased access to finance. The Programme supports Small and Medium-Sized Enterprises with up to 249 employees.


    • Relaxed collateral requirements

    • Competitive price terms

    • Improved possibilities for financing


    Credit parameters
    • Max. EUR 3 000 000 (EUR 1 500 000 for clients performing road freight transport) – for loans with term up to 60 months).
    • Max. EUR 1 500 000 (EUR 750 000 for clients performing road freight transport) – for loans with term up to 117 months.)
    Products guaranteed by COSME
    • Investment and working capital loans (with a repayment schedule).
    • Revolving Limits (Including Overdraft Limits, Letter of Bank Guarantees and Letter of Credits).
    • Investment loans - up to 117 months
    • Working capital loans - up to 60 months
    • Revolving loans/overdraft limits - up to 36 months

    The Final Recipients must comply with the requirements of COSME Guarantee Facility and the requirements of the Bank’s Credit Policy.

    Guarantee coverage 50 %


    Application procedure

    Small and medium Enterprises registered and operateing on the territory of Bulgaria which comply with at least one of the following criteria:

    • Is a micro enterprise, a small or a medium-sized enterprise within the meaning of Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises, Official Journal L 124, 20 May 2003, p. 36-41.
    • Are not an "undertaking in difficulty"(within the meaning of Commission Regulation (EU) No C (2014) 651/2014 of 17 June 2014)
    • Are not engaged in activities related to one or more sectors banned under COSME requirements

    Restricted activities - Any production, trade or other activity, which is illegal under the laws or regulations of the Republic of Bulgaria; the production of and trade in tobacco and distilled alcohol beverages and related products; the financing of the production of and trade in weapons and ammunition of any kind or military operations of any kind; human cloning for reproduction purposes and genetically modified organisms (GMOs) or any other restricted activity in the Republic of Bulgaria and/or any of the other EU Member States.

    • Are not delinquent or in default in respect of any other obligations granted by Raiffeisenbank.

    Additional advantages

    • Long –term partnership between Raiffeisenbank Bulgaria and EIF under European Programmes financing.

    • Cooperation and support

      Highly-qualified experts with experience in the field of corporate lending and financial services.

    • Relaxed price conditions for using the programme.


    Corporate Banking Department

    Address: Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000
    Phone: (+359 2) 91 985 101
    Fax: (+359 2) 91 985 140

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