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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    Guarantee Agreement InnovFin

    The program is for you if you are a fast growing enterprise or have innovative ideas for expanding your business.
    The scheme is aimed at financing the business of enterprises under alleviated collateral requirements and at attractive price terms. For that purpose the European Investment Fund provides a portfolio guarantee for credit risk.


    • Better possibilities for financing

    • Flexible conditions

    • Attractive price terms

    • Alleviated requirements to collateral

    • European guarantee


    The financing is provided under the InnovFin Guarantee Facility with the financial support of the European Union through the financial instruments of Horizon 2020.

    Credit parameters
    Type Investment loans, working capital loans - term loans, overdraft and revolving credits.
    Period Up to 120 months for investment credits
    Up to 60 months for term working capital loans and guarantees
    Up to 36 months for overdrafts and revolving credits
    Price conditions Preferential price conditions depending on the type of credit and the collateral provided.
    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 programme can finance both enterprises working in innovative sectors and enterprises that develop innovative businesses as well as companies operating in traditional sectors but investing in development.

    Applications may be submitted by any local legal entity that is registered under Bulgarian law, operates on the territory of the Republic of Bulgaria and meets the following requirements - meets the criteria for micro, small and medium-sized enterprises (SMEs) under the SMEs Act at the date of the loan agreement.

    It is not engaged in activities opposing the environmental, health and safety regulations and the applicable legislation of the Republic of Bulgaria.

    Application procedure

    You are welcome to a Raiffeisenbank bank office that is convenient for you or to the Business Centre Small Enterprises of Raiffeisenbank:

    1. Share with us your plans and wishes to develop your business.
    2. Learn about the possibilities and requirements for your funding.
    3. Our specialists will offer you the most appropriate and workable solutions for your development.
    4. You will receive individual service and attention to the details of your request.
    5. You will get a competitive offer that is tailored to your needs.

    Frequently asked questions

    Which activities are ineligible?

    Unacceptable any speculative transactions with immovable property as well as all speculative investment activities.

    An activity opposing the environmental, health and safety regulations and the applicable legislation of the Republic of Bulgaria as well as activities that do not correspond to the policy and internal rules of the bank are not allowed.

    Other activities forbidden by law.

    What is the definition of a fast-growing enterprise for the the purposes of the InnovFin Programme?

    An enterprise is considered a fast-growing enterprise if it has been on the market for less than 12 years since its first sale, it has a revenue growth of at least 20% for the last 3 completed financial years and has 10 or more employees.

    Which investment is innovative?

    Any investment in a new product for the market or in a new production process is innovative.

    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 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

    Is there a minimum amount of the loan?

    Yes. The minimum amount of a loan under the InnoFin Programme is EUR 25,000.00 or the equivalent amount in BGN.


    Call Center

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


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