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.


Saved pages

Here you can bookmark favorite pages for later by clicking on the “Save” button at the top of the page.

    Viewed pages

    List of last viewed pages.

    This guarantee instrument is structured and implemented within the Operational Programme Innovation and Competitiveness 2014 — 2020 financed as part of the European Union’s response to COVID-19 pandemic with funds under REACT-EU. The purpose of the Programme is to support micro, small and medium-sized enterprises to overcome financial difficulties caused by the COVID-19.


    • No additional collateral requirement.

    • Competitive pricing terms.

    • Increased opportunities for financing.

    • Eased administrative requirements.


    Credit parameters
    Amount The maximum transaction amount is up to 70% of the company’s annual turnover for 2019 or 2020 (depending which is larger) but not more than:
    Up to 5 years – 1 500 000 EUR / 3 000 000 BGN (or 937 500 EUR for freight transport companies);
    Up to 7 years – 937 500 EUR (or 468 750 EUR for freight transport companies)
    Provided that the granted De minimis amount from the current and the previous 2 calendar years, including the De minimis from the current transaction do not cumulatively exceed 200 000 EUR (up to 100 000 EUR for companies operating in road freight transport).
    Currency BGN, EUR
    Products guaranteed by Recovery Programme

    New loans provided for:

    • Working capital loans (Term loans for working capital needs, Revolving loans and Overdraft limits).
    • Amortizing loans with up to 12 months grace period for repayment of the principal.
    • Investment limits with up to 12 months grace period for repayment of the principal.
    Guarantee coverage 80 %
    • Minimum maturity: 12 months.
    • Maximum maturity: 84 months.
    The Final Recipients must comply with the requirements of Recovery Programme and the requirements of the Bank’s Credit Policy.
    Inclusion period 31.03.2023
    Disbursement Period 31.12.2023


    Application procedure

    Micro, Small and Medium-sized Enterprises (with up to 249 employees) registered and operating on the territory of Bulgaria which comply with at least one of the following criteria:

    • Merchant by the meaning of the Bulgarian Commercial Law with registered office in Bulgaria.
    • Are not an "undertaking in difficulty" as of 31.12.2019 within the meaning of p. 20 and 24 from the Guidelines on State aid for rescuing and restructuring non-financial undertakings in difficulty (OJ C 249, 31.7.2014).
    • The Final Recipient is not subject to collective insolvency proceedings.
    • With at least three completed financial statements, with reported sales revenues, as well as accounting profit for at least one of the last three years.
    • The enterprise has no tax-insurance liabilities under Article 87 of the TPSC, as of the date of the Loan Agreement.
    • The Final Recipient shall not have a substantial focus on one or more restricted Sectors set in First Loss Portfolio Guarantee COVID-19 Agreement.
    • Lack of credit liabilities, expressed in delinquency over 90 days for an amount of over BGN 2,500 to a credit or financial institution as of the approval date for financing. The requirement also applies to the actual owners of the enterprise.
    • The actual owner(s) of the enterprise, controlling at least 50% of its capital, is a local person within the meaning of the definition under Art. 4 of the Personal Income Tax Act.

    Restricted Activities:

    • Any production, trade or other activity, which is illegal under the laws or regulations of the Republic of Bulgaria.
    • Financing of transactions supported by the national budget or the EU budget.
    • Acquisition of trucks, commercial vehicles and heavy goods vehicles by companies performing road freight transport.
    • Financing the purchase of land not built on and land built on when the amount of the respective expense exceeds 10% of the principal of the Loan.
    • Financing of transactions in the sectors, forbidden as per Commission Regulation (EC)1407/2013.

    Additional advantages

    • Long – term experience with European and National guarantee programs.

    • Cooperation and support

      Highly-qualified experts with experience in the field of corporate lending and financial services.

    The Bank provides financing on concessional terms through the support of a guarantee from the Fund of Funds. The funds needed to undertake the guarantee commitment are provided under the Operational Program "Innovation and Competitiveness" 2014 - 2020, co-financed by the European Regional Development Fund, also including REACT-EU.


    Corporate Banking Department

    Address: Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000
    Phone: (+359 2) 91 985 101
    Fax: (+359 2) 91 985 140

    Useful information

    Fund of funds