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Markets in financial instruments directive (MIFID) – harmonized EU regulations, procedures and requirements regarding the deals with financial instruments.
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Products and Services
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Daily Banking
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Accounts
Raiffeisenbank offers to the clients 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
Raiffeisenbank 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.
- Package Programmes Take advantage of Raiffeisenbank's various day-to-day package programmes which include a broad range of products and services.
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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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Raiffeisen ONLINE
Optimize the cost of monthly fees and bank transactions with Raiffeisen ONLINE. 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 (ELBA International) Multicash (ELBA International) is a software programme for electronic banking that offers a reliable alternative to traditional banking.
- Electronic Statements This service provides the possibility to print out and download account statements, outgoing payment orders, advice of credit.
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Raiffeisen ONLINE
Optimize the cost of monthly fees and bank transactions with Raiffeisen ONLINE. You can perform bank operations at any time without having to visit a bank office.
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Accounts
Raiffeisenbank offers to the clients 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, Raiffeisenbank 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 and the SMEs Initiative.
- 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 InnovFin The program is for you if you are a fast growing enterprise or have innovative ideas for expanding your business.
- Guarantee Agreement COSME The portfolio guarantee provided by the European Investment Fund is used to finance small and medium-sized enterprises under alleviated conditions.
- Guarantee Agreement SME Initiative 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.
- 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
Raiffeisenbank 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 Raiffeisenbank cards.
- Deposit ATMs For your convenience you could deposit funds, daily turnover, received payments to an account at Raiffeisenbank not only in the bank's office but also at a deposit ATM".
- POS Terminals With Raiffeisenbank’s POS terminals (electronic and virtual) you enable your customers to pay with cards — cashless, convenient and fast transactions.
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Investments
Diversity of innovative products and services with saving and investment objectives are available. Raiffesienbank 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
Raiffeisen Asset Management funds are a great investment opportunity. Mutual funds are suitable for individual, corporate and institutional clients.
- Raiffeisen Conservative Fund Bulgaria Raiffeisen 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 23 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 Raiffeisenbank aims at to provide full transparency, accessibility, intelligible information and high quality products and services.
- Fintech Start-Ups Competition Elevator Lab is the biggest fintech accelerator for the region of Central and East Europe.
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Useful Tools
- Exchange Rates Make currency exchange against BGN in various currencies – EUR, USD, GBP, CHF, TRY, SEK, NOK, DKK, JPY, RUB, RON, PLN, CNH. 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.
