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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    You are looking for financing for your international trade deals or for protecting yourself against financial loss, whether it’s import or export. Talk to us about your needs so we can support you with the right solution.

    Trade finance is a specialized form of financing that serves clients’ business by solving the problem of mutual distrust between the buyer and the seller – the former - that they will get the goods if they pay for them in advance and the latter – that they will be paid if they deliver the goods before the payment.


    • Minimized risks in commercial transactions

      UBB is a loyal and trusted partner of its clients in the field of trade finance. Our goal is to minimize risks in commercial transactions and to offer the best financing solutions to our clients.

    • Highly qualified specialists

      The Bank has highly qualified specialists who advise and help customers choose the most appropriate payment method that suits their needs.

    • Professional service

      They provide professional service to the Bank’s clients in relation to all types of documentary operations offered by the Bank.

    • Consultation

      They advise customers how to take advantage of the various types of documentary operations

    • Easy and convenient access via electronic banking – online bankin

      Possibility to submit your orders for issuance of bank guarantee or letter of credit easy and quickly at better conditions via online bankin. You can read more about the new functionalities in documents.

    Compare and choose

    Bank guarantees

    Trade finance

    Letters of credit

    Trade finance

    Documentary collection

    Trade finance


    The Bank is obliged to make a payment in compliance with the undertaken commitment securing the performance of the contractual obligations The Bank is obliged to make a payment in strict compliance with the terms of the letter of credit The Bank has no commitment to make a payment but only to handle/deliver documents against payment or another collection action


    More expensive than documentary documentary collectionbut it may be cheaper than the documentary letter of credit.

    Depends on the type of collateral. The agreed price is charged for the period of the commitment.
    More expensive than documentary documentary collectionbut it may be more expensive than a bank guarantee.

    The cheapest method of payment compared to the bank guarantee and the documentary letter of credit.

    Since the Bank has not undertaken any commitment to make a payment, the Bank’s commission is not charged for a period but only once.

    Need for collateral

    Yes Yes No
      Learn more Learn more Learn more

    Bank Guarantee

    You can lower the risk when dealing with counterparties by including a bank guarantee in your agreements.

    Learn more

    Documentary Letter of Credit

    The Documentary Letter of Credit is a widespread and reliable form of payment.

    Learn more

    Documentary Collection

    The documentary collection is the processing of commercial and/or financial documents by the Bank in accordance with the written instructions received from the exporter in order to obtain payment from the buyer.

    Learn more