Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000



Branches and ATMs

Find the nearest office or ATM

Call Center


0700 10 000 (Vivacom)

17 21 (A1 and Yettel)


Working hours

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

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

Calls to 0700 10 000 are charged according to your tariff plan for calls to 0 700 numbers.

Calls to 1721 are billed as A1-A1 or Yettel-Yettel according to the subscribers own rate plan.

Card and POS terminals assistance

24 hours bank cards and POS terminals assistance center


0700 10 000 (Vivacom)

17 21 (A1 and Yettel)

(+359 2) 962 41 02


Public relations section


Human Resources

Human Resources Department


Sofia 1407, 55 Nikola Vaptzarov Blvd, EXPO 2000

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Tariff for Fees and Commissions for Individual Clients

General Conditions and Forms

General Conditions and Forms for Individual Clients.

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    List of last viewed pages.

    Frequently asked questions about KBC Online Bulgaria

    Registration and access

    What levels of access can I set?

    You can set active or passive rights. If you want to have access to all KBC Mobile Bulgaria and KBC Online Bulgaria features, select active rights. If you don’t want it to be possible to use online banking to perform bank transactions or manage your products, select passive rights.

    What is the difference between active and passive banking?

    With passive rights, you receive access to information on the products you use, but you can’t perform any bank transactions relating to them. With passive rights, you:

    • Receive up-to-date information on your accounts – funds available in current and card accounts, statements, information on transfers received or initiated by you
    • Monitor your loans – information, including grant date, loan payments and principal remaining
    • Receive information on the amounts in your deposits
    • Receive news on promotions and new products.

    With active rights, in addition to access to up-to-date information, you can:

    • Make BGN and foreign currency transfers within the country and abroad, as well as exchange money
    • Submit electronic applications for bank products and services
    • Manage your deposits – open and close term deposits
    • Place electronic orders for units in the mutual funds of KBC Investment Management

    How do I sign up for the KBC Mobile Bulgaria and KBC Online Bulgaria service?

    To sign up for KBC Mobile Bulgaria and KBC Online Bulgaria, you have to visit a bank office that is convenient for you and receive a PIN envelope with a username and password for access to the platform or register yourself via KBC Mobile Bulgaria mobile app or KBC Online Bulgaria (

    How do I access the KBC Mobile Bulgaria and KBC Online Bulgaria service?

    You have to enter the username and password provided to you by the bank in a sealed PIN envelope. On your first login, the system will ask you to change your password.

    We recommend you regularly change your password for security purposes by selecting Your name (at the upper right corner) -> Change password from the main menu in the internet banking.

    You can also change your username by selecting Your name (at the upper right corner) -> Change username from the main menu.

    What browser should I use for KBC Online Bulgaria?

    You can use any browser, including Google Chrome, Internet Explorer, Mozilla Firefox, etc., both for passive banking (information on balances and activity in accounts, deposits, loans, bank cards) and for active banking (signing payment orders).

    What should I do if I forget my username and/or password?

    When entering the username/password, make sure you follow the requirements for digits and small/capital letters in the Latin alphabet. The system allows unlimited login attempts, but after the third wrong attempt, it will ask you to enter an additional control code which will be displayed on the screen.

    If you remember your user name, you can use the Forgotten password in KBC Mobile Bulgaria.

    If you can’t remember your username and password, you can only get a new PIN envelope by going into a bank office in person.

    How can I perform active transactions (transfers) through KBC Mobile Bulgaria and KBC Online Bulgaria?

    To perform transfers through KBC Mobile Bulgaria and KBC Online Bulgaria, you need to have indicated during the service registration process that you want to have active transaction rights. In active transactions, payment orders are signed (confirmed) using a code generated by a token device or sent to your phone as an SMS.

    Individuals registered with KBC Mobile Bulgaria and KBC Online Bulgaria can transfer money between their own accounts, regardless of the amount, without an SMS or Token authentication code.


    How can I view my account statements?

    The cards and accounts statements can be downloaded only from the internet banking - KBC Online Bulgaria.

    From the Accounts -> Statements menu, you have access to the statements of your current accounts (with or without debit cards) in print format (PDF) and electronic processing format (MT940).

    From the Cards -> Statements menu, you have access to your credit card statements in print format (PDF).

    You need to select an account and set a search period. After the system displays the results, you can download and save the statements on your computer.

    How do I check whether my payment orders have been successfully signed and sent?

    Select the Transfers -> Pending menu. If you see the order in a table with a list of payments, that means it has not been sent to the bank for execution, i.e. it’s waiting for you to sign and/or send it.

    If you see the payment order in the Transfers -> Archive menu and its status is Accepted for Processing (and it has an additional status), that means you have successfully signed and sent it to the bank system for execution.

    What do I need to make bill payments?

    If you want to pay bills through KBC Mobile Bulgaria and KBC Online Bulgaria, you need to be a KBC Bank account holder and to have rights for online banking for this account. It must be in BGN or Euro.

    Why can’t I see my deposits or loans in KBC Mobile Bulgaria and KBC Online Bulgaria?

    Because when you signed up to KBC Mobile Bulgaria and KBC Online Bulgaria in a bank office, you did not expressly state in the form that you want to have deposit and loan rights.

    If you want to register for them, you can do so at any bank office. KBC Online Bulgaria offers individuals who have active rights the option of registering online from the Forms menu.

    How can I open or close a deposit in KBC Online Bulgaria?

    It is necessary to have registration for active operations with deposits.

    You must also have a method of additional authentication (token or SMS code) and a current account in the deposit currency.

    Deposits can be opened from the Deposits/Deposit opening menu. After the request is created, you have to sign with SMS code or token and send it. If you fill-in form and save it without signing it will besaved in the Deposits -> Pending requests. In the Deposits/Archive menu, you can monitor whether the request has been successfully sent for processing and what its status is.

    Do I need a qualified electronic signature (QEP) to do active banking?

    It is not necessary to perform active transactions through KBC Mobile Bulgaria and KBC Online Bulgaria – initiate transfers, send requests, open/close deposits – you have to choose between the two authentication methods offered by the bank: token device or SMS code.

    SMS confirmation

    What is an SMS confirmation code?

    SMS - confirmation code is an additional online payment protection method. This single-use code is valid for a limited time and is sent by KBC Bank to a mobile phone as a text message.

    Who is the service aimed at?

    SMS confirmation code is a service accessible to all current and future KBC Mobile Bulgaria and KBC Online Bulgaria users who use online banking for active transactions and have a valid mobile number with a Bulgarian mobile network operator.

    What is the price of the service?

    Signing up for the service and receiving text messages is completely free of charge. In addition to the payments’ guaranteed security, you save on the cost of bank transactions, because the fees for transfers made through KBC Mobile Bulgaria and KBC Online Bulgaria are substantially lower than payments made at a bank office.

    How can I sign up for the service?

    All KBC Bank customers can sign up for this service by visiting any KBC Bank office and asking to use active online banking using an SMS confirmation code.

    How are payments that use an SMS transfer confirmation code made?

    To confirm a payment on KBC Mobile Bulgaria and KBC Online Bulgaria, you’ll receive a text message to the mobile phone number you’ve indicated in the service registration form. The SMS will include a single-use code to confirm the transfer/group of transfers selected. The text message will also contain payment information: the amount being transferred and the last digits of the recipient’s account. You have to enter the transaction confirmation code in the system. For additional security, you are recommended to compare the transfer details in the text message with the transaction information entered in the computer. You can use one SMS code to confirm a group of payments.

    How can I confirm payment orders with an SMS code?

    To sign payment orders using an SMS code, you have to complete the following steps:

    1. When you select the Send button, a table containing basic information about the transfer and a box to enter the SMS code will appear on the screen.
    2. The system will send a message containing a confirmation code and transfer details to the mobile phone number you’ve provided.
    3. Compare the details with those displayed by the system and, if they match, enter the confirmation code in the relevant box on the screen. Then press the Confirm button.

    Do you offer other information protection methods?

    KBC bank continues to offer other modern services for additional protection of online banking, such as a software token.

    Software token confirmation

    What is software token?

    The software token is a specialized mobile application that enables easy and convenient authorization of bank transactions and requests on the Internet and mobile banking. The software token provides authorization for KBC Mobile Bulgaria and KBC Online Bulgaria operations in two modes:

    • Offline mode - by scanning a Cronto image and generating a one-time authorization code, even without an internet connection available.
    • Online mode - via push notification (requires internet connection).

    The software token provides authorization of transactions for mobile application KBC Mobile Banking only in online mode.

    What does the software token do?

    The software token provides:

    • Additional security in bank transfers or other transactions performed in an online environment.
    • Convenient and easy use.
    • Mobility – usable anywhere in the world at any time.

    How can I get a software token?

    The KBC Token software token can be downloaded from the Google Play Store for Android or the App Store for iOS.

    What is the price of the token?

    The KBC Token mobile application is completely free of charge.

    What should I do if I enter wrong PIN?

    After entering five wrong PINs, the software token automatically deletes its activation. In order to be reactivated, it is necessary to go through the activation process in KBC Online Bulgaria.

    Mobile application

    How can I sign up for the KBC Mobile Bulgaria mobile app?

    You can check whether you have access to the mobile app from the Mobile banking menu in your KBC Online Bulgaria account. If your access status is Enabled, all you have to do is install the app on your mobile device (smartphone, tablet). If the access status is Disabled, you’ll have to go to a bank office to submit a service activation application.

    Is it necessary to enter a username and password every time to log in to the mobile application?

    It is not necessary. You can enable quick access to the mobile application from the My Profile menu - via PIN or Biometrics. The quick access to the application does not cancel or replace the username and password. Users can login with an username and password anytime they want. The quick access can be removed by reinstalling the app or clearing app data (for Android).

    What are the requirements for the PIN activation?

    The PIN code can contain 4 to 20 digits. The PIN code is created specifically for access the mobile application. It does not necessarily match the PIN of the device or SIM card. For security reasons, we recommend that it differs from the PINs you have already created.

    How can I activate biometrics login to my mobile app?

    You can login to your mobile app with a fingerprint (for fingerprint devices) or face recognition (only for iOS devices). The biometric data has to be already activated for the device through device settings. KBC Bank does not collect or process the biometric data of the device.

    How to activate notifications through my mobile app?

    You can activate notifications trough the mobile app in Notifications menu > Subscriptions >+New subscription.

    What kind of notifications can I receive through my mobile app?

    You can subscribe to different types of notifications - reminder for loan due instalments, incoming transfers, currency exchange rates, pending bills, unsuccessfully or a successfully paid bills.

    Which device will receive the notifications?

    Notifications will be sent to the device from which the mobile application was last accessed. One device can receive notifications for only one user.

    What kind of information does the notification contain?

    Mobile app notifications only inform the user about an event occurring in their account. They do not contain specific amounts or account balance. Event information can only be received after login to the mobile app.

    How can I stop receiving notifications on my mobile app?

    You can delete or deactivate the notification subscriptions after login to mobile banking in the Notifications -> Subscriptions menu. Alternatively, you can disable app notifications from mobile phone settings.

    How can I open a new account via KBC Mobile Bulgaria?

    KBC Mobile Bulgaria gives opportunity to open an account with debit card remotely through Apply menu > Apply Account Online.

    How can I set ePIN (static password) via KBC Mobile Bulgaria?

    You can  set your ePIN via mobile banking in Cards menu > ePIN. It contains 6-digits  which you can change  anytime. You need to fill the fields ePIN and Confirm ePIN and click on Save button. You can set ePIN only for the cards for which you are the cardholder.

    What is "Quick money transfer to phone number"?

    This option gives you opportunity to transfer money to contacts from your phonebook which are clients of KBC Bank and you don’t need to know their IBAN number. You must have active rights and authentication method in order to sign active transactions. The beneficiary also should have activated the option.

    How to activate "Quick money transfer to phone number"?

    You can activate the option from My profile menu> Quick money transfer to phone number. Before that you need to allow the app to access your contacts.

    What information is available in Analyses menu?

    Analyses menu provides convenient review of your monthly spends. This is a report of all outgoing accounts movements grouped in different categories according to merchant’s type. It generates in the end of each month.

    How to create a subscription for utility payments?

    In KBC Mobile Bulgaria you can easily activate a subscription for utility payments in Utilities menu >Subscriptions> +New Subscription. You can choose a provider and payment settings. It will be needed a subscription number in order to make a payment.

    How to block temporarily my card?

    In Cards menu you are able to turn off your card and this way card’s status is temporarily blocked. If you want you can activate the card by turning it on in Cards menu.

    How to change my card’s limits?

    You can change quickly and easily your card’s limits in Cards menu>Limits> Change button. The request form is available in Forms menu > Operational limits.  In order to send the request for the change you must have authentication method and SMS/E-mail notifications for transactions with the card (for high or custom limits).

    How to exchange loyalty points from Loyalty Programme for credit cards?

    You are able to exchange your loyalty points for credit cards in Cards menu > Details> Exchange. The balance of available point  calculate in the end of  every  billing period.

    How can I download a document with my account details?

    If you need an document for your IBAN number you can easily download it from the mobile banking in Products menu > Details> Download (IBAN information field).


    Order transfers, manage your cards, deposits and investment products, and receive the latest information without leaving your home with KBC Online Bulgaria.

    KBC Online Bulgaria

    Bank quickly and easily with the mobile app KBC Mobile Bulgaria!

    KBC Mobile Bulgaria

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