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.


Business centers for small enterprises

We set up 23 specialized Business Centers in order to be closer to you at any time and to support the successful implementation of your projects.

Find the nearest business center

Small Business


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000


+359 882 894523



Tariff for Legal entities and Sole traders

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 COSME

    The portfolio guarantee provided by the European Investment Fund is used to finance small and medium-sized enterprises under alleviated requirements for collateral and attractive price terms.


    • Attractive price terms

    • Extended terms for repayment of loans

    • Flexible conditions

    • Alleviated requirements to collateral

    • No additional costs for the guarantee

    • Better possibilities for financing


    This Guarantee is provided by COSME and the European Fund for Strategic Investments (EFSI) set up under the Investment Plan for Europe. The aim of EFSI is to support the financing and implementation of productive investments in the European Union and to ensure increased access to finance.

    Credit parameters
    Type Investment loans, working capital loans - term loans, overdraft and revolving credits.
    Period Up to 117 months for investment credits
    Up to 60 months for term working capital loans and guarantees
    Up to 60 months for overdrafts and revolving credits
    Collateral Immovable property, tangible fixed assets and other eligible assets according to Raiffeisenbank’s policy for financing Microbusinesses and without securing with tangible assets (up to EUR 60,000.00).
    Fees According to the Bank’s Tariff of Fees and Commissions for Legal Entities.
    For secured loans, there are also incidental costs related to the collateral: for market valuation, mortgage, issuance of certificates, etc.


    Criteria for application

    The relaxed conditions can benefit enterprises that plan to expand their business through new investments or need increased working capital.

    Any local legal entity which is a small or medium-sized enterprise within the meaning of the SMEs Act, which is not an „undertaking in difficulty“ (within the meaning of Commission Regulation (EU) No C (2014) 651/2014 of 17 June 2014) and which does not conduct activities related to one or more banned sectors under COSME* may apply.

    Frequently asked questions

    Which are the industries banned under COSME?

    Illegal activities - any production, trade or other activity that is illegal under the legislation of the Republic of Bulgaria, production and trade of alcohol and tobacco products and related products, production and trade in arms and ammunition of all kinds.

    This limitation does not apply to activities that are part of or complementary to European Union policy; Casinos and equivalent businesses; Prohibited IT Activities: research, development or technical applications related to electronic programmes or solutions for online casinos, gambling, pornography, or designed to enable unauthorized access to and retrieval of electronic data.

    Other activities - research, development or technical applications related to the cloning of people for scientific or curative purposes; GMO.

    Is it suitable for persons practising liberal professions?

    This program is aimed only at legal entities (with a BULSTAT registration).

    Is it suitable for farmers?

    Yes. The guarantee can also be used by farmers. There is a condition to have a BULSTAT registration.

    Do I have to have a business plan?

    No business plan is required in order to obtain a credit. Our specialists will discuss your development and innovation plans with you.

    How much does the guarantee cost?

    The guarantee is free of charge for the client.

    How much will a consultation cost?

    The consultation with our specialists on the use of a credit is absolutely free of charge. You are welcome to our offices!

    What is EURIBOR?

    Market indexe.

    How is the interest rate on a loan formed?

    Depending on the currency, the interest on the loan is:

    • For loans in EUR: 1 month EURIBOR + margin
    • For loans in BGN: Short-term Interest Rate according to the BNB statistics + margin


    Call Center

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


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