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


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 InnovFin

    The credit products provided under the InnovFin programme are guaranteed by the joined initiative of the European Investment Bank, European Investment Fund with the cooperation of European Commission under the Horizon 2020. The InnovFin SME Guarantee Facility supports innovative and fast-growing enterprises with up to 499 employees.


    • Relaxed requirements

      In respect of the coverage of the provided collateral.

    • Advantageous pricing terms

    • Eligible Final Recipients

      Small and medium-sized enterprises and Small Mid-Caps (enterprises which have up to 499 employees).

    • Easier access

      For financing innovative business activities.


    Credit parameters

    Min. 25 000 EUR
    Max. 7 500 000 EUR

    Products guaranteed by InnovFin

    New loans provided for:

    • Investments in tangible and intangible assets
    • Working capital
    • Business transfers
    • Investment limits - up to 120 months
    • Term working capital loans - up to 60 months
    • Revolving loans for working capital needs - up to 36 months

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

    Guarantee coverage



    Application procedure

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

    • Investment in production or development of new or substantially improved products, processes or services which are innovative or  in the presence of a technological or industrial risk.
    • Fast-growing enterprises or enterprises with significant potential for innovations.
    • Enterprises with significant expenditure on research and innovation or young companies funded by a venture capital investor/informal private investor (so-called “business angel”).
    • SMEs that have received research or innovation awards or have registered intellectual property rights (patents, utility models, designs, topologies of semiconductor devices, etc.) over the last 24 months.
    • Enterprises eligible under at least one of the specific criteria for innovation.

    The Final Recipient shall not have a substantial focus on one or more restricted Sectors set in InnovFin Guarantee Agreement.

    ЗRestricted Activities: Any production, trade or other activity, which is illegal under the laws or regulations of the Republic of Bulgaria; 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.

    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.


    Corporate Banking Department

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

    Useful information

    European Investment Fund

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