Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



Branches and ATMs

Find the nearest office or ATM

Call Center


0700 10 000 (Vivacom)

17 21 (A1 and Yettel)


Working hours

Monday - Friday: 8:00 a.m. - 8:00 p.m

Saturday: 9:00 a.m. - 3:00 p.m.

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.



Tariff for Fees and Commissions for Individual Clients

General Conditions and Forms

General Conditions and Forms for Individual Clients.

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.

    Choose a credit card most suited to your needs and have money at your disposal anywhere and at any time.


    • Win while shopping

      Use your credit card every day and make wonderful emotions for yourself and your loved ones! Every purchase in your country brings you loyalty points that you can exchange for cash to your card or get discounts. Their value may exceed even the service charge on the card.

    • Make your daily life easier

      Pay in stores or on the Internet faster and easier than with cash. For purchases up to BGN 100 you have only to tap the card on the POS terminal to make a contactless payment; no PIN is required.

    • Be informed

      You receive a free SMS for any card transaction and the oustanding balance.

    • Pay without interest

      You pay no interest on card purchases if you repay the whole debt until the due date for repayment.

    Compare and choose

    RaiCARD Fix

    International credit card

    Visa Classic

    International credit card

    BILLA Visa

    International credit card

    Mastercard Gold

    International credit card

    Visa Platinum

    International credit card

    Credit limit

    Up to 5 000 BGN Up to 15 000 BGN Up to 15 000 BGN Up to 60 000 BGN Up to 70 000 BGN



    Grace period

    Up to 50 days Up to 45 days Up to 45 days Up to 45 days Up to 45 days

    Interest (annual)

    18.9% 18.9% 18.9%/14.9% for purchases in BILLA 17.9% 16.8%

    Service charge (annual/monthly)

    45 BGN/- 44 BGN/4.40 BGN - /4.40 BGN 94 BGN/9.40 BGN

    260 BGN

    Transaction charge at Raiffeisenbank's ATMs

    5 BGN 1.5% + 3 BGN 1.5% + 3 BGN 1.5% + 3 BGN 1.5% + 3 BGN

    Loyalty program me

    Yes Yes 2% cash back for purchases in BILLA Yes Yes + purchases abroad


    Life Insurance Life Insurance Life Insurance Life Insurance + free Card Protection and Travel Assistance insurance Life Insurance + free Card Protection and Travel Assistance insurance

    Additional advantages

    Easy to use — with fixed repayments and withdrawal charges Choose between two designs of the card No monthly service charge if the purchases in BILLA exceed BGN 150 for the month Free visits to the VIP salons at Sofia and Vienna airports

    Mastercard Premium Programme
    Priority Pass access card to the VIP salons of airports all over the world

    Special offers by Visa Luxury Hotel Collection, Visa Premium offers

    Credit cards

    RaiCARD Fix

    Fixed minimum repayment and longer time for interest-free purchases with a grace period up to 50 days.

    Visa Classic

    Enjoy the little things around you, ensure the safety of your travel and have money at your disposal all over the world.

    Mastercard Gold

    Convenience and prestige in one credit card with free insurance included.

    Visa Platinum

    Privileges for travellers! Irrespective of the chosen destination your trip will be smoother with credit card Visa Platinum.

    BILLA Visa

    Discount for every purchase with the card at BILLA stores in this country.

    AVON Mastercard

    If you are an AVON representative, you can pay orders at AVON online by taking advantage of special terms and a long grace period of up to 50 days for purchases.

    Contacts and assistance

    Call Center

    0700 10 000 (Vivacom)
    17 21 (A1 and Yettel)

    Help and assistance

    24 hours assistance for bank cards and POS

    Phone: (+359 2) 962 41 02
    Fax: (+359 2) 962 78 59

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    Welcome to our website.