Tools
Close
Close

Headquarters

Address

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

 


Branches and ATMs

Find the nearest office or ATM


Call Center

Phones

0700 1 17 17 - Domestic line

*71 71 - Short number for mobile users

E-mail

Info@ubb.bg

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

Phone

(+359 2) 962 41 02

Close
 
 
 
 
 

Tariffs

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

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

All notifications

Close

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.

Close
Close

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.

    Reference Interest Rates

    Current values

    Market Index

    Value as of
    03.09.2021

    "Short-term interest rate on BNB statistics": the interest rate on deposits with agreed maturity of up to 1 month (over 1 day to 1 month) by Households in BGN, specified in the interest rate statistics of the Bulgarian National Bank (BNB)" Interest rates and volumes of balances on deposits with agreed maturity and repo transactions of non-financial corporations and households sectors”, and in case of change - in similar interest rate statistics of the BNB, which includes deposits with agreed maturity up to 1 month (over 1 day to 1 month) by Households in the official currency in Bulgaria from interest rate statistics published on the BNB website - www.bnb.bg (or on another page that replaces the BNB website)

    0,01

    "Medium-Term Interest Rate on BNB Statistics": the interest rate on deposits with agreed maturity of 3 to 6 months by Households in BGN, specified in the interest rate statistics of the Bulgarian National Bank (BNB) " Interest rates and volumes of balances on deposits with agreed maturity and repo transactions of non-financial corporations and households sectors”, and in case of change - in similar interest rate statistics of the BNB, which includes deposits with agreed maturity of 3 to 6 months by Households in the official currency in Bulgaria from interest statistics published on the BNB website - www.bnb.bg (or on another page that replaces the BNB page)

    0,04

    Current values of the market indices EURIBOR and LIBOR

    Reference Interest RateValue as of 02.09.2021Value as of 03.09.2021
    EURIBOR 1W -0,56500

    -0,57300

    EURIBOR 1M -0,55400

    -0,55400

    EURIBOR 3M -0,54800

    -0,55000

    EURIBOR 6M -0,52200

    -0,52100

    EURIBOR 12M -0,50100

    -0,49600

    LIBOR 1M 0,08250

    0,08325

    LIBOR 3M

    0,11963

    0,11888

    LIBOR 6M 0,14963

    0,15188

    ACTION PLAN

    Action plan under Regulation (EU) 2016/1011 of the European Parliament, the European Council, and the Credit Institutions Act

    Implementing Regulation (EU) 2016/1011 of the European Parliament and of the Council from 8 June 2016 on indices used as benchmarks for financial instruments and financial contracts or for measuring the performance of investment funds, and for amending Directives 2008 / 48 / EC and 2014/17 / EU and Regulation (EU) № 596/2014 (OB, L 171/1 from 29 June 2016) (‘Regulation (EU) 2016/1011’), the Bank maintains an action plan in case the reference interest rate changes significantly or disappears. The currently adopted by the Bank action plan is as follows:

    For loans in Bulgarian lev

    In the event that for any reason 5 days before the Date of the Interest Rate Recalculation on the website of the Bulgarian National Bank (BNB) or other substituting website, the value of the Short-Term Reference Interest Rate/ Medium-Term Reference Interest Rate is not published according to BNB statistics for the respective month preceding the month in which the recalculation is made, henceforth in accordance with the current Action Plan:

    • When determining the value of the Reference Interest Rate, the last available value according to BNB statistics of the Short-term Interest Rate/ Medium-term Interest Rate officially published on the BNB website or on the substitute website will be applied, before the first day of the respective month in which the recalculation is made, for the term of three calendar months, starting from the month following the month for which the Short- term Interest Rate/ Medium-term Interest Rate according to BNB statistics has been announced.

    • In the event that there is still no announced information on the value of the Short-term Interest Rate/ Medium-term Interest Rate according to BNB statistics, for the previous three consecutive calendar months, the Reference Interest Rate will be assumed to be similar to the above mentioned interest rates, reflecting the expenses of the banks for financing in the official currency in Bulgaria, announced on the official website of the European Central Bank or another official source.

    • In case there is still no announced information on the value of the Short-term Interest Rate/Medium-term Interest Rate according to BNB statistics for the previous three consecutive calendar months and there is no interest rate, for Reference interest rate under this Agreement in the future will be applied EURIBOR, 2 (two) working days (spot value date) before the Date of interest recalculation, as the term of the used index depends on the specific contract with the client.

    Information on the applicable values of EURIBOR is published on the website of Raiffeisenbank (www.rbb.bg) and is announced in its commercial premises.

    Information on the applicable values of: the 1-month / 3-month / 6-month EURIBOR is also available on the websites of publicly available leading financial sites such as http://www.euribor.org or www.euribor-rates.eu (or on another page that replaces the pages of http://www.euribor.org or www.euribor-rates.eu).

    In the event that EURIBOR changes significantly or is no longer available, the EURIBOR Action Plan shall apply accordingly.

    For loans in euro

    In the event that the interest benchmark rate (EURIBOR) used under a loan agreement changes significantly or is no longer available, it shall be replaced:

    • with an alternative interest base, information on the applicable values of which is published on the websites of publicly available leading financial sites such as http://www.euribor.org or www.euribor-rates.eu (or on another page that replaces the pages of http://www.euribor.org or www.euribor-rates.eu),

      or
    • an alternative reference interest rate specified in the interest rate statistics of the Bulgarian National Bank (BNB), information on the applicable values of which is published on the BNB website or on another page which replaces the BNB website,

      or
    • if interest base quotes are not available / published on the websites of publicly available leading financial sites such as http://www.euribor.org or www.euribor-rates.eu (or on other pages that replace them), as well as on the platforms for analysis and trading in financial instruments (e.g. Bloomberg and Reuters), then quotes from the interbank market may be used, on which the Bank may obtain financing.

    For loans in US dollars

    In the event that the interest benchmark rate (LIBOR) used under a loan agreement changes significantly or is no longer available, it shall be replaced:

    • with an alternative interest rate, information on the applicable values of which is published on the websites of publicly available leading financial sites such as http://www.euribor.org or www.euribor-rates.eu (or on another page that replaces the pages of http://www.euribor.org or www.euribor-rates.eu),

      or
    • an alternative reference interest rate specified in the interest rate statistics of the Bulgarian National Bank (BNB), information on the applicable values of which is published on the BNB website or on another page that replaces the BNB website,

      or
    • if interest base quotes are not available / published on the websites of publicly available leading financial sites such as http://www.euribor.org or www.euribor-rates.eu (or on other pages that replace them), as well as on the platforms for analysis and trading in financial instruments (e.g. Bloomberg and Reuters), then quotes from the interbank market may be used, on which the Bank may obtain financing.

    Application criteria

    The new interest base or the new reference interest rate should meet the following criteria:

    • be in the same currency as the interest rate benchmark that is being exchanged. For BGN it is permissible replacement with the new interest base or the new reference interest rate in EUR, as they are considered interchangeable due to the presence of a Currency Board in Bulgaria;
    • be within the same maturity of the interest rate benchmark that is being replaced;
    • a compensatory allowance or discount should be included in the new interest base or the new reference interest rate so that the final interest remains unchanged at the date of the initial application of the exchange and does not exceed the last applicable interest under the contract, as reflected in the Credit Institutions Act, the Consumer Credit Act and the Consumer Real Estate Loans Act.

    The choice of an alternative interest rate base is made in accordance with the legal requirements for Interest Rate Benchmarks according to Annex 1 under Regulation 2016/1011 of the European Parliament and of the Council, as well as an analysis of existing options based on data published on publicly available leading financial sites http://www.euribor.org or www.euribor-rates.eu (or on other pages that replace them), as well as on the platforms for analysis and trading in financial instruments (e.g. Bloomberg and Reuters). The purpose of the analysis is to select an interest base that is as close as possible in terms of characteristics (value, term, currency, development expectations, volatility) to that which was applicable in the contractual relationship between the Bank and its customers to the moment of its change or termination. This is necessary due to the need to maintain a sustainable interest rate policy applied by the Bank. In accordance with the current procedures in the Bank, regular monitoring of the emergence of new benchmarks / products using benchmarks within RBBG is carried out by the Market, Liquidity & Operational Risk Controlling Department.

    It is envisaged the initial application of the substitution to take place not later than 3 (three) months from the termination of the benchmark or after the expiration of the fixing period under the contract, as in the initial transition the interest under the Credit Institutions Act shall not exceed the last applicable interest under the contract with the customer. For the period from the termination of the benchmark to the initial application of the replacement, the last available value of the benchmark rate shall be used.