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 Telenor)

(+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 A1l and Telenor are at the price of internal call/within the same network – A1-A1 or Telenor-Telenor 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

Rositsa Petkova, Dealer


(+359 2) 91 985 453

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.

All documents


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

All notifications


Saved pages

Here you can bookmark favorite pages for later by clicking on the “Save” button at the top of the page.

    Viewed pages

    List of last viewed pages.

    Guarantee Agreement SME Initiative

    The credit products provided under SME Initiative are guaranteed by the European Investment Fund under Operational Programme “SME Initiative” 2014-2020 with the financial support from the EU through the European Structural and Investment Funds and the European Investment Bank. The SME Initiative Guarantee Facility supports small and medium-sized enterprises with up to 249 employees; with annual turnover less than BGN 97 500 000 and value of assets less than BGN 84 000 000.


    • Relaxed requirements

      In respect of the coverage of the provided collateral.

    • Advantageous pricing terms

    • Possibility for financing investments and working capital needs


    Credit parameters
    Amount Max. 5 000 000 EUR
    Products guaranteed by SME Initiative

    New Loans provided for:

    • Investments in tangible and intangible assets
    • Working capital loans
    • The transfer of proprietary rights provided that such transfer takes place between independent investors
    • Investment limits - up to 141 months
    • Working capital loans - up to 60 months
    • Revolving limits for working capital needs - up to 48 months

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

    It is obligatory any de minimis under the scope of the De minimis Regulation pursuant to Article 1 of such regulation to be reported.

    Guarantee coverage 60%


    Application procedure

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

    • Are small or medium-sized enterprises within the meaning of the SME Act, registered under the Commerce Act or the Cooperative Act.
    • Are not “an undertaking in difficulty”(within the meaning of Commission Regulation (EU) No C (2014) 651/2014 of 17 June 2014).
    • Are not subject to insolvency proceedings and have not been subject to insolvency proceedings over the last 5 years.
    • No administrative penalty or conviction related to an illegal activity has been imposed on the borrower and/or the persons exercising control or management responsibilities.
    • Are not engaged in activities related to one or more sectors banned under SME Initiative.

    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.

    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

    Welcome to our website.

    Please select a profile:

    Welcome to our website.