Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



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Call Center


0700 10 000 (Vivacom)

17 21 (A1 and Telenor)


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 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 A1 and Telenor are at the price of internal call/within the same network – A1-A1 or Telenor-Telenor depending on customer individual plan.



Tariff for Fees and Commissions for Individual Clients

General Conditions and Forms

General Conditions and Forms for Individual Clients.

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    Deposit with Increasing Interest Rate

    The offering of Deposit with a growing interest stopped on 26 April 2010.

    If you have opened a deposit by 23 April 2010 inclusive, the terms for opening a Deposit with a growing interest with Raiffeisenbank as set out between the parties will continue to apply.


    Period 12 three-months period (from 3 to 36 months )
    Currency BGN, EUR, USD
    Minimum opening amount 500 BGN, EUR, USD

    Annual interest rates

    Interest rates are fixed and do not change over the term of the contract. Interest rate increase for each subsequent three-month period.

    Interest PeriodMonths Annual interest rate in BGNAnnual interest rate in EURAnnual interest rate in USD
    1st three-month 1-3 0.01% 0.01% 0.01%
    2nd three-month 4-6 0.02% 0.02% 0.02%
    3rd three-month 7-9 0.03% 0.03% 0.03%
    4th three-month 10-12 0.04% 0.04% 0.04%
    5th three-month 13-15 0.05% 0.05% 0.05%
    6th three-month 16-18 0.06% 0.06% 0.06%
    7th three-month 19-21 0.07% 0.07% 0.07%
    8th three-month 22-24 0.08% 0.08% 0.08%
    9th three-month 25-27 0.09% 0.09% 0.09%
    10th three-month 28-30 0.10% 0.10% 0.10%
    11th three-month 31-33 0.11% 0.11% 0.11%
    12th three-month 34-36 0.12% 0.12% 0.12%

    The interest is calculated on a 360/360 basis.

    Payment of interest

    The interest is paid on the maturity date of the deposit (at the end of the 12 three-month period ) or at an early closing of the deposit.

    Interest in case of earlier closing of the deposit

    • You receive the whole interest accrued by the end of the last completed three-month period.
    • For the days from the end of the last completed three-month period to the date of termination, you get an interest as on a current account (according to the Bank’s interest rate bulletin valid at the time of termination).
    • You don’t pay fees and commissions for cash withdrawing money if you close the deposit at the end of each three-month period and at the end of the deposit period when a withdrawal request has been made.

    Fees and conditions

    • No fee for opening the deposit

    • No fee for cash withdrawal on the maturity date

      At the end of the 12 three-month period when a withdrawal request has been made.

    • No fees for cash withdrawal when closing the deposit

      At the end of each three-month period when a withdrawal request has been made.

    • If you close the deposit on a date other than the end of the three-month periods

      You must pay commissions according to the Bank’s Tariff

    The deposits at the bank are guaranteed through the participation of the Bank in the Deposit Insurance Fund. The Fund guarantees the payment of deposits of 1 person with the Bank, irrespective of the number and amount of the deposits, up to BGN 196,000 in total for principal and interest under all deposits, under the terms of the Law on the Bank Deposit Guarantee.


    Call Center

    0700 10 000 (Vivacom)
    17 21 (Mtel and Telenor)


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