89B Vitosha Blvd., UBB Millennium Center, Sofia, Bulgaria


Branches and ATMs

Find the nearest office or ATM

Call Center


0700 1 17 17 - Domestic line

*71 71 - Short number for mobile users


Working hours

Monday - Friday: 8:00 a.m. - 8:00 p.m

Saturday: 9:00 a.m. - 3:00 p.m.

Charging of outbound calls to the indicated telephone numbers for contact purposes is based on the tariffs of your mobile carrier.

UBB has no relation whatsoever to mobile carriers’ policies and tariff plans.

Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center


(+359 2) 962 41 02



Tariff for fees and commissions for Legal entities and Sole traders

Tariff for Banks

General Conditions and Forms

General Conditions and Forms for Legal entities and Sole traders.

All documents


Notifications from the bank about changes in products and services - interest, fees and commissions, loans, deposits.

All notifications


KBC Bank Bulgaria and UBB united under the name United Bulgarian Bank (UBB)

On 10th of April 2023, UBB and KBC Bank Bulgaria officially united after the re-organization of KBC Bank Bulgaria EAD, through its merger into United Bulgarian Bank AD, was entered in the Commercial Register. The legal merger is the next step in the integration of the two banks after the Belgian KBC Group acquired the business of Raiffeisen Bank International in Bulgaria in the summer of 2022.

The process of the technical integration of UBB and present KBC Bank Bulgaria is underway. Until its finalization, our branch network, corporate website and the digital channels of the up-to-now KBC Bank Bulgaria will have a special symbol next to UBB logo. At this stage, clients do not need to take any actions and will continue to be serviced as until now. We will inform you about any future changes.


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    Viewed pages

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    Guarantee agreements with the European Investment Fund (COSME, JEREMIE Trade Finance; Cultural and Creative Sectors Guarantee Facility-CCS) and Fund Manager of Financial Instruments in Bulgaria (Recovery Programme).


    • Relaxed collateral requirements

    • Competitive price conditions

    • Ability to apply for a broader range of credit products offered by the bank

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    Guarantee agreement

    JEREMIE Trade Finance

    Guarantee agreement

    Recovery Programme

    Guarantee agreement

    Cultural and Creative Guarantee Facility- CCS

    Guarantee agreement

    Average number of employees

    Up to 249 employees Up to 499 employees Up to 249 employees Up to 249 employees

    Guarantee coverage

    50% of the limit 80% of the limit 80% of the limit 70% of the limit

    Minimum maturity of the loan

    12 months 6 months 12 months 12 months

    Maximum maturity of the loan

    Up to 60 months for working capital financing.
    Up to 117 months for investment financing

    Up to 60 months

    Up to 60 m for working capital financing.
    Up to 84 m for investment financing.

    Up to 60 months for working capital financing.
    Up to 120 months for investment financing.

    Maximum amount of the loan

    3 000 000 EUR (and 1 500 000 EUR for clients performing road freight transport) and duration of the loan up to 60 months.

    1 500 000 EUR (and 750 000 EUR for clients performing road freight transport) and duration of the loan up to 117 months

    • 3 000 000 EUR for SMEs.
    • 1 875 000 EUR for Small Mid-Caps.
    3 000 000 BGN, but not exceeding 70 % of the turnover for 2019 or 2020 (whichever is higher), in compliance with the provisions applicable for State Aid. 2 000 000 EUR

    Guarantee Agreement COSME

    Guarantee, provided by COSME and the European Fund for Strategic Investments (EFSI) in support of small and medium-sized enterprises.

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    Guarantee Agreement JEREMIE Trade Finance

    Guarantee instrument, implemented by the European Investment Fund and funded by the Ministry of Economy within the framework of Programme „Recovery“ in support of SMEs and Small Mid-Caps.

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    Recovery Programme

    Guarantee is provided by Fund of Funds under the Operational Program "Innovation and Competitiveness" 2014 - 2020, co-financed by the European Regional Development Fund, also including REACT-EU.

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    Guarantee Agreement Cultural and Creative Sectors Guarantee Facility

    Guarantee provided by the Creative Europe Programme and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe.

    Learn more