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Individual Clients
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Products and Services
Financial solutions for Individuals. Daily banking, Credit products, Accounts and Debit cards, Investments and Insurance.
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Daily Banking
Управлявай средствата си, получавай и изпращай преводи сигурно и лесно. Следи всяко движение по сметките си с онлайн и мобилното банкиране.
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Accounts and Bundles
Accounts and Bundled products - choose the product that suits you best and reduce your banking costs.
- Account For Salary Withdraw from the ATMs of the bank, make intrabank transfers with KBC Mobile Bulgaria and receive notifications for credit transfers free of charge.
- Account For every day Current account with debit card suitable for credit servicing. You make free transfers to other banks in BGN and 3 withdrawals from ATMs of other banks free of charge.
- Account For Students and Youngsters Account for students and youngsters up to 29. You withdraw from ATMs of the bank free of charge, make free transfers via mobile banking and shop with discounts as a member of Bright Club.
- Account For Pension Account for pensioners or clients over the age of 60, for pension transfer/ other income. Withdraw money from the ATMs of the bank and pay utility bills in mobile banking free of charge.
- Current Account With a current account you make daily banking operations and payments, you have permanent access to your account and manage your funds through mobile banking.
- Payment Account for Basic Features Payment account for basic features for basic daily bank operations and payments.
- Payments Receive and send money securely, quickly and easily! Take care of your friends and relatives with cash or cashless transfers. Send or receive money anywhere in the world.
- Fast card transfers You can now send money from your debit or credit card that your friend or relative can receive on your card quickly and conveniently through the digital wallet DigiPay.
- KBC Online Bulgaria Order transfers, manage your cards, deposits and investment products, and receive the latest information without leaving your home with KBC Online Bulgaria.
- KBC Mobile Bulgaria Bank quickly and easily with the mobile app KBC Mobile Bulgaria!
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Accounts and Bundles
Accounts and Bundled products - choose the product that suits you best and reduce your banking costs.
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Loans
Финансови решения, съобразени с твоите нужди и възможности. Превърни идеите си в планове с кредит от KBC Банк.
- Personal Loans Are you planning home repairs, a journey, purchasing a new car, or devoting to your favorite hobby? KBC Bank offers you an individual solution in line with your personal financial capacity.
- Mortgage Loans Mortgage solutions for the perfect home. About your dream home, about your big bold plans, about your ideal home, about your new beginning.
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Cards
Do you want to be able to pay safely everywhere in the world and on the Internet? The card is your solution!
- Debit Cards Make your life easier! The debit card is your faithful companion everywhere and in any situation. Make your daily life easier, have enough money at your disposal and don't depend on cash.
- Credit Cards Choose a credit card most suited to your needs and have money at your disposal anywhere and at any time.
- Card Services Collect points with the loyalty program, assure the security of your online purchases, pay your home bills comfortably and be informed about each transaction.
- Promotions Promotional offers for credit and debit cards.
- Savings Спестовни продукти съобразно нуждите, възможностите и предпочитанията за спестяване на клиента – спестовна сметка, срочен депозит, детски депозит и други.
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Investments
A variety of innovative products and services with savings and investment objectives. Investment intermediation in trading of financial instruments.
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Investments and Foreign Exchange
If you want to trade on Bulgarian or international capital markets, save money or manage business-related risks, Capital Market products are the right choice for you.
- Trading with Equities With KBC Bank you can trade stocks and exchange-traded instruments. Buy equities or simply invest your cash according to your personal preferences.
- Trading with Debt Instruments By investing in debt instruments (bonds), you can earn a constant (fixed) yield over the years at low to moderate risk.
- Trading with Structured Products Invest in innovative savings and investment products. Find the products that are right for you from the wide range of financial instruments aimed at any type of investor.
- Foreign Exchange KBC Bank is one of the main banking institutions for trade in currencies and currency products on the Bulgarian market.
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Mutual Funds
The funds of KBC Investment Management are a great investment opportunity. Mutual funds are suitable for individual, corporate and institutional clients.
- Conservative Fund Bulgaria Conservative Fund Bulgaria is the biggest fund in Bulgaria and invests up to 100% of its assets in Bulgarian government bonds. Government bonds are issued by the state.
- Raiffeisen (Bulgaria) Active Protection in EUR Raiffeisen Active Protection has its own protection mechanism, aiming to maintain 90% of the highest historical net asset value reached.
- Raiffeisen (Bulgaria) Active Protection in BGN
- Raiffeisen (Bulgaria) Global Mix Historical performance! The fund is a feeder collective investment scheme which constantly has 85% or more of its assets invested in the Raiffeisenfonds-Sicherheit master collective scheme.
- Individual Investment Plan Invest in your dreams! Individual Investment Plan is a convenient savings scheme which will help you achieve your plans.
- Precious Metals Invest in precious metals or buy gold or silver. The products offered are suitable for collectors or can make a great original gift for birthdays, name days and other happy occasions.
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Investments and Foreign Exchange
If you want to trade on Bulgarian or international capital markets, save money or manage business-related risks, Capital Market products are the right choice for you.
- Insurances Осигури си спокойствие със застрахователните продукти, предлагани от KBC Банк като агент на ЗК УНИКА Живот. Защото грижата за теб не е добро пожелание, а отговорност.
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Daily Banking
Управлявай средствата си, получавай и изпращай преводи сигурно и лесно. Следи всяко движение по сметките си с онлайн и мобилното банкиране.
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Support
Съдействие за всички продукти, услуги, полезни съвети и още за индивидуални клиенти на банката.
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Useful Information
- Value Dates for the Execution of Payments Terms for execution and value date for payment orders in BGN and foreign currency deposited in the bank.
- Cost of Funds Coefficients for calculation of Credit interest rates.
- MIFID Information Markets in financial instruments directive (MIFID) – harmonized EU regulations, procedures and requirements regarding the deals with financial instruments.
- General Conditions and Forms General conditions and forms for Individual clients.
- Frequently Asked Questions Често задавани въпроси за функционалностите, методите за потвърждение и активиране на дигиталните услуги на банката.
- Security Your security is of the utmost importance to us. That's why we give you some basic tips to bank digitally securely and without worries.
- Your Opinion As your partner we aim to provide full transparency, accessibility, intelligible information and high quality products and services.
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Useful Information
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Useful Tools
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Products and Services
Financial solutions for Individuals. Daily banking, Credit products, Accounts and Debit cards, Investments and Insurance.
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Small Business
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Products and Services
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Daily Banking
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Accounts
Different types of accounts for local and foreign companies, either in BGN or in foreign currencies.
- Current Account Current accounts are convenient for effecting day to day banking operations and transfers
- Capital Account Capital accounts are used to raise initial capital when setting up joint stock companies or increase the capital of already set up joint stock companies.
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Special Accounts
KBC Bank opens and maintains special accounts in accordance with the requirements of the Law on Private Enforcement Agents, the Attorney Law, the Notaries and Notary Activities Act.
- Special Accounts for Private Enforcement Agents and Bailiffs Under Article 24 of the LPEA, these accounts are intended for collection of money from the sale of debtors’ property, capitalization of interest, fees and expenses, receipts from additional activities
- Special Accounts of Notaries Under Article 25a of the Notaries and Notary Activities Act intended for management of funds under transactions for setting up, transferring or amending rights over real estate.
- Special Accounts for Insurance Brokers Intended for the collection of insurance premiums for the insurer as well as insurance benefits or sums of money for the users of insurance services.
- Special Accounts for Lawyers, Law Firms Under Article 39 of the Attorney Law — these accounts are intended to pay expenses, state fees and taxes of the clients of lawyers, to pay fees to persons other than lawyers.
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Package Programmes
Take advantage of our various day-to-day package programmes which include a broad range of products and services.
- Package Startirai Use a company current account with debit card in BGN without a monthly fee and gain free access to KBC Online Bulgaria, as well as additional services and preferences.
- Package Initiative + Use a company current account in BGN without a monthly fee and gain free access to online banking, as well as additional services and preferences.
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Payments
A wide rangeof services for optimal cash management — transfers, cheques, payroll, direct debit.
- Transfers The clients have the possibility to receive or send payments in BGN or another currency. Clients’ funds are safe and accessible at any time.
- Payroll The clients could effect salary payments in favour of their employees.
- Direct Debit The clients have the possibility to collect cash receivables from all of their customers.
- Fixed Term Deposit The Bank offers term deposits in national and foreign currencies — EUR, USD and GBP, for a predefined period.
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E-banking
Take advantage of the possibility to access your company accounts via the e-banking systems using modern/sophisticated information protection technologies.
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KBC Online Bulgaria
Optimize the cost of monthly fees and bank transactions with KBC Online Bulgaria. You can perform bank operations at any time without having to visit a bank office.
- Mobile Banking You can perform and confirm transactions through your business and personal mobile phone, you receive 24/7 access to up-to-date reference information of your company accounts, credits, and deposits.
- MultiCash Multicash is a software programme for electronic banking that offers a reliable alternative to traditional banking.
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KBC Online Bulgaria
Optimize the cost of monthly fees and bank transactions with KBC Online Bulgaria. You can perform bank operations at any time without having to visit a bank office.
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Accounts
Different types of accounts for local and foreign companies, either in BGN or in foreign currencies.
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Financing
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Standard Loans
The standard loans are suitable for legal entities registered under the Bulgarian law as well as for people with liberal professions.
- Term Loan with Collateral Appropriate for financing investment and working capital needs through loans secured with collateral acceptable to the bank.
- Term Loan Without Collateral Appropriate for financing investment and working capital needs through loans without collateral consisting of tangible assets.
- Secured Overdraft / Revolving Credit There is a possibility to increase the working capital through loans secured by immovable property, vehicles, equipment and other tangible fixed assets acceptable as collateral.
- Unsecured Overdraft for Active Clients The product allows for an increase of the working capital of your business through an overdraft designed for small businesses.
- A Credit Securing the Issuance of Bank Guarantees The product is suitable for you if you participate in public procurement or you need to provide a bank guarantee to your contractors.
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Agricultural Loans
With its specialized loans for agri-financing, the bank offers opportunities for modernization and expansion of your farms.
- Agricultural Loan for Purchase of Agricultural Land By choosing this loan, you will have then opportunity to replace the permanent rent expenses with bank credit instalments and to become the owner of the agricultural land.
- Agricultural Loan for Purchase of Agricultural Equipment With this loan you can invest in the modernization and improvement of the efficiency of your production.
- Overdraft Against Subsidies from State Fund Agriculture A credit in the form of an overdraft facility which is intended for all registered farmers and livestock owners who operate and have been approved for receiving a subsidy.
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Financing Under Guarantee Agreements (EIF)
The Bank offers loans with guarantees from the EIF that benefit enterprises under the programmes InnovFin, COSME, the SMEs Initiative, EGF.
- Financing Under EU Operational Programmes Specialized schemes for targeted financing of investment costs related to the implementation of approved projects under the Operational Programmes of the European Union.
- Guarantee Agreement COSME The portfolio guarantee provided by the European Investment Fund is used to finance small and medium-sized enterprises under alleviated conditions.
- Financing for Owners of Micro Enterprises Individual approach and attractive price conditions for financing individuals, owners of a micro enterprise.
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Loans for Medical Specialists
The Bank offers different financing possibilities for doctors, dentists and pharmacists.
- Investment Loan for Doctors and Dentists The investment loan allows you to purchase new medical equipment to upgrade and modernize your medical offices and clinics to meet the latest requirements and standards.
- Overdraft Based on Income from the NHIF Working capital in the form of overdraft suitable for doctors, dentists and pharmacists who have a contract with NHIF and min. 24 months of medical practice.
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Standard Loans
The standard loans are suitable for legal entities registered under the Bulgarian law as well as for people with liberal professions.
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Trade Finance
Financing for international trade deals or protection against financial loss, either for import or export of goods.
- Bank Guarantee You can lower the risk when dealing with counterparties by including a bank guarantee in your agreements.
- Documentary Letter of Credit The Documentary Letter of Credit is a widespread and reliable form of payment.
- Documentary Collection The documentary collection is the processing of commercial and/or financial documents by the Bank.
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Cards and Terminals
- Cards Convenience and security of the payments and the funds management with KBC Bank.
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POS Terminals
With POS terminals (electronic and virtual) you enable your customers to pay with cards — cashless, convenient and fast transactions.
- Physical POS Terminal With the POS terminals from KBC Bank you provide your customers with the opportunity to pay fast, convenient, and secure with their digital wallets and payment cards.
- Virtual POS Terminal With KBC Bank's virtual POS service you can provide to your clients the opportunity for payments via your web site – quick and secure.
- DigiPOS DigiPOS is an innovative service for accepting contactless payments on a mobile device. When you install the DigiPOS application, your phone will turn into a POS terminal.
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Investments
Diversity of innovative products and services with saving and investment objectives are available. KBC Bank is a licensed investment intermediary in the trade with financial instruments.
- Investments and Foreign Exchange You can tradeon the Bulgarian and international capital markets, invest your savings, make currency exchange or manage your business related risks
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Mutual Funds
ЕН описание: The funds of KBC Investment Management are a great investment opportunity. Mutual funds are suitable for individual, corporate and institutional clients.
- Conservative Fund Bulgaria Conservative Fund Bulgaria is the biggest fund in Bulgaria and invests up to 100% of its assets in Bulgarian government bonds. Government bonds are issued by the state.
- Raiffeisen (Bulgaria) Active Protection in EUR Raiffeisen Active Protection has its own protection mechanism, aiming to maintain 90% of the highest historical net asset value reached.
- Raiffeisen (Bulgaria) Active Protection in BGN
- Raiffeisen (Bulgaria) Global Mix Historical performance! The fund is a feeder collective investment scheme which constantly has 85% or more of its assets invested in the Raiffeisenfonds-Sicherheit master collective scheme.
- Individual Investment Plan Invest in your dreams! Individual Investment Plan is a convenient savings scheme which will help you achieve your plans.
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Daily Banking
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Support
- Business Center We set up 25 specialized Business Centers in order to be closer to you at any time and to support the successful implementation of your projects.
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Useful Information
- MIFID Information Markets in financial instruments directive (MIFID) – harmonized EU regulations, procedures and requirements regarding the deals with financial instruments.
- Information about EMIR European market infrastructure regulation which defines clear rules for transactions with OTC derivatives. Counterparty classification.
- Account Balances and Movements The bank provides its customers with information about account balances and movements.
- General Conditions and Forms General conditions and forms for Legal entities
- Your Opinion As your partner we aim at to provide full transparency, accessibility, intelligible information and high quality products and services.
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Useful Tools
- Exchange Rates Make currency exchange against BGN in various currencies. FX rates are updated on a daily basis.
- Card Exchange Rate Card exchange rate for international transactions – converting of the amount of transaction when paying abroad in a currency, which differs from the currency of the account.
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Products and Services
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Corporate Clients
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Corporate Clients
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Financing
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Loans
Loan products for corporate clients – financing for the investment needs of your business, working capital financing.
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European and National Funding Programmes
Guarantee agreements with the European Investment Fund (Innovfin, COSME, SME Initiative, EGF), Fund of Funds and National Guarantee Fund.
- Guarantee Agreement COSME Guarantee instrument, provided by COSME and the European Fund for Strategic Investments (EFSI) in support of small and medium-sized enterprises.
- Guarantee Agreement JEREMIE Trade Finance The Program is developed in support of Small and Medium-sized enterprises, including Small Mid-Caps by providing enhanced access to trade finance products as well as working capital financing.
- Recovery Programme This guarantee instrument is structured and implemented within the Operational Programme Innovation and Competitiveness 2014 - 2020 with REACT-EU funding as part of the EU response to the COVID-19.
- Guarantee Agreement Cultural and Creative Sectors Guarantee Facility Guarantee is provided by the European Investment Fund with the financial support of the European Union under the Creative Europe Program.
- Pan-European Guarantee Fund in response to Covid-19
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Green and Sustainable Financing
As a socially responsible financial institution, we strive to support our clients in their efforts to protect the environment through sustainable investments.
- Investments in solar installations for own business needs Specially developed product for financing investments in solar installations for the needs of your business.
- Investments in solar projects for selling the energy Financing investments for the production of solar energy for sale on the market, which are repaid by the cash flows generated by the specific projects.
- Investments in other renewable energy sources Loans for financing investments for generation of: wind energy; hydro energy; geothermal energy; biomass energy; waste energy.
- Projects for construction or acquisition of "green" buildings Specially developed product for financing projects for construction or acquisition of buildings with certain categories of energy efficiency certificates.
- Projects for improvement of the energy efficiency of buildings Financing of investments for improving the energy efficiency of buildings.
- Investments in manufacturing or purchasing of electric or sustainable vehicles Financing loans for manufacturing or purchasing of electric vehicles, bicycles, electric scooters.
- Water and waste management projects Financing of projects related to water and waste management.
- Replacement of machines and equipment Financing investments for the replacement of machines and equipment that meet specific conditions in order to optimize the energy efficiency.
- Factoring A package of financial services, including the financing of trade receivables with deferred payment, without additional collateral.
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Specialized Products
A variety of specially developed products designed to fulfill your business needs.
- Credit for Rehabilitation of Multi-Family Residential Buildings Specialized lending product for financing under The Energy Efficiency of Multi-Family Residential Buildings National Programme.
- Project Financing Loans for financing various projects, repaid with the revenues generated by the project itself.
- Agrooverdraft Short-term financing in BGN for farmers and stock-breeders, approved for receiving grant by the State Fund "Agriculture".
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Loans
Loan products for corporate clients – financing for the investment needs of your business, working capital financing.
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Cash Management
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Accounts
Different types of accounts for local and foreign companies, either in BGN or in foreign currencies.
- Current Account Current accounts are convenient for effecting day to day banking operations and transfers.
- Capital Account Capital accounts are used to raise initial capital when setting up joint stock companies or increase the capital of already set up joint stock companies.
- Special (Escrow) Account The Bank opens special (escrow) accounts for the purpose of making payments under specific conditions.
- Business Bundle Various bundles of cash management services tailored to clients’ individual needs.
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Payments
A wide rangeof services for optimal cash management — transfers, cheques, payroll, direct debit.
- Transfers The clients have the possibility to receive or send payments in BGN or another currency. Clients’ funds are safe and accessible at any time.
- Payroll The clients could effect salary payments in favour of their employees.
- Direct Debit The clients have the possibility to collect cash receivables from all of their customers.
- Cash Collection and Cash Services Processing, counting, cash control and deposit of the collected cash to clients’ account. Cash deposit and withdrawal in different currencies at bank's offices.
- Cash Pooling The service offers the possibility for our corporate clients to improve and optimize the management of their cash flows.
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E-banking
Customers can easily access their company accounts via our electronic banking system enabled with sophisticated information protection technology.
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Online banking
Optimize the cost of monthly fees and bank transactions with KBC Online Bulgaria. You can perform bank operations at any time without having to visit a bank office.
- Mobile Banking You can perform and confirm transactions through your mobile phone, you receive 24/7 access to up-to-date reference information of your company accounts, credits, and deposits.
- MultiCash Multicash is a software programme for electronic banking that offers a reliable alternative to traditional banking.
-
Online banking
Optimize the cost of monthly fees and bank transactions with KBC Online Bulgaria. You can perform bank operations at any time without having to visit a bank office.
- Fixed Term Deposit The Bank offers term deposits in national and foreign currencies — EUR, USD and GBP, for a predefined period.
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Accounts
Different types of accounts for local and foreign companies, either in BGN or in foreign currencies.
-
Trade Finance
Financing of your international trade deals or protecting against financial loss, whether it refers to import or export.
- Bank Guarantee You can lower the risk when dealing with counterparties by including a bank guarantee in your agreements.
- Documentary Letter of Credit The Documentary Letter of Credit is a widespread and reliable form of payment.
- Documentary Collection The documentary cash collection is the processing of commercial and/or financial documents by the Bank in accordance with the written instructions received from the exporter in order to obtain payment
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Cards and Terminals
- Cards Convenience and security of the payments and the funds management with bank cards.
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POS Terminals
With our POS terminals you enable your customers to pay with cards — cashless, convenient and fast transactions.
- Physical POS Terminal With our POS terminals you provide your customers with the opportunity to pay fast, convenient, and secure with their digital wallets and payment cards.
- Virtual POS Terminal With our virtual POS service you can provide to your clients the opportunity for payments via your web site – quick and secure.
- DigiPOS DigiPOS is an innovative service for accepting contactless payments on a mobile device. When you install the DigiPOS application, your phone will turn into a POS terminal.
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Investments
- Investments and Foreign Exchange You can tradeon the Bulgarian and international capital markets, invest your savings, make currency exchange or manage your business related risks
-
Mutual Funds
Mutual funds are a great investment opportunity. They are suitable for individual, corporate and institutional clients.
- Conservative Fund Bulgaria Conservative Fund Bulgaria is the biggest fund in Bulgaria and invests up to 100% of its assets in Bulgarian government bonds. Government bonds are issued by the state.
- Raiffeisen (Bulgaria) Active Protection in EUR Raiffeisen Active Protection has its own protection mechanism, aiming to maintain 90% of the highest historical net asset value reached.
- Raiffeisen (Bulgaria) Active Protection in BGN
- Raiffeisen (Bulgaria) Global Mix Historical performance! The fund is a feeder collective investment scheme which constantly has 85% or more of its assets invested in the Raiffeisenfonds-Sicherheit master collective scheme.
- Individual Investment Plan Invest in your dreams! Individual Investment Plan is a convenient savings scheme which will help you achieve your plans.
- Custody and depository services Custodian and depository services for Bulgarian and foreign clients.
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Support
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Useful Information
- Reference Interest Rates Краткосрочен и средносрочен лихвен процент по статистика на БНБ. Актуални стойности на пазарните индекси EURIBOR и LIBOR за корпоративни клиенти.
- MIFID Information Markets in financial instruments directive (MIFID) – harmonized EU regulations, procedures and requirements regarding the deals with financial instruments.
- Information about EMIR European market infrastructure regulation which defines clear rules for transactions with OTC derivatives. Counterparty classification.
- Account Balances and Movements The bank provides its customers with information about account balances and movements.
- General Conditions and Forms General conditions and forms for Legal entities
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Useful Information
- Useful Tools
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Financing
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Financial Institutions
- Banks The Bank has established correspondent relationships with more than 1000 correspondent banks, including more than 50 vostro and 20 nostro accounts held in local and foreign currency.
- International Financial Institutions KBC Bank maintains long-standing relationship with IFI and GF providing for Programmes designed to enhance competitiveness and promote investments by SMEs, corporate clients and municipalities.
- Non-bank Financial Institutions KBC Bank is one of the preferred partners for the non-bank financial institutions and provides full range of services to an increasing number of insurance and pension insurance companies.
- Institutional Clients
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Corporate Clients
- Premium Banking
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About Us
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Who We Are
KBC Bank Bulgaria is a universal commercial bank and offers its corporate customers and individuals a full range of financial products and services.
- Activity Activity of KBC Bank Bulgaria EAD.
- Corporate culture KBC Group’s corporate strategy.
- Management Management Board of KBC Bank Bulgaria EAD.
- Annual Reports Annual Reports
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Corporate Documents
The bank is operating in compliance with standards, rules and procedures in accordance with adopted policies.
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KBC Group in Bulgaria
Basic infromations about companies, part of KBC Group in Bulgaria.
- KBC Group Information about Belgian KBC Group.
- News and Notifications News and important information from the world of the bank, dedicated to its customers and partners.
- Sustainable Banking Our business is based on our desire to bank responsibly, to be a reliable partner and to work for the benefit of society.
- CSR We has developed and follows a social responsibility policy which guarantees clear and transparent communication in all spheres of business and social life.
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Who We Are
KBC Bank Bulgaria is a universal commercial bank and offers its corporate customers and individuals a full range of financial products and services.
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Careers
Opportunities for professional and career development.
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Contacts
