Banking Companies in Bulgaria

Bulgarian Development Bank (BDB) is a credit institution 100%-owned by the Bulgarian state. It was established in 1999 as the Encouragement Bank with main focus to support small and medium-sized enterprises. BDB is among the top four Bulgarian banks in terms of credit rating, rated "BBB" with a positive outlook by Fitch Ratings. Implements special mandates of the Bulgarian government: anti-crisis measures to overcome the negative consequences of COVID-19; the National Energy Efficiency Program, etc. For over 20 years, there has been a unique experience for the Bulgarian banking system in offering medium-term and long-term financing and risk sharing through guarantee schemes. Implements investments in key sectors of the economy: energy efficiency, infrastructure, agriculture, urban development, exports. It is the only Bulgarian bank to provide direct financing as well as financing via other credit institutions. BDB is the best-positioned local bank to raise funds from international partners. Its subsidiaries are the National Guarantee Fund, which issues guarantees for bank loans to the non-financial sector; BDB Microfinancing, which provide financing to SMEs and start-ups; the Capital Investments Fund as well as the BDB Leasing and BDB Factoring. Focus of Our Efforts Start-ups and innovations Exporters of finished goods Manufacturing industry Extractive industries Agriculture and Tourism

INTERNATIONAL ASSET BANK AD was founded on December 13, 1989 as a joint-stock company. Its head office is located in Sofia, 81-83 Todor Aleksandrov Blvd. The Bank is universal in type and it is a holder of a full license for domestic and international operations. Bank’s priority customers are corporate customers and the small and mid-size enterprises. It has established traditions in working with such customers and is now marketing the products needed for their business development.

„Нютън Ипотечни Консултанти“ ООД е лицензиран кредитен посредник, вписан в Регистъра на БНБ под номер №BCI00005. През 2015 г. създадохме NEWTON в отговор на нуждата на хората от сигурност, спокойствие и комфорт в процеса на финансиране на тяхната мечта за нов дом. В момента компанията е сред лидерите в ипотечното консултиране на пазара в България и предоставя цялостно консултиране и посредничество в сферата на банковото кредитиране. Дългогодишният банков опит и високата експертиза в ипотечното кредитиране е наша отличителна черта и конкурентно предимство. Предлагаме първокласно консултиране и кредитно посредничество напълно безплатно от идеята до финалното усвояване на вашия кредит!

Nexo е водеща световна регулирана институция за управление на дигитални активи. Мисията на компанията е да предостави пълен набор от финансови услуги и продукти на основата на криптовалути. Те включват усъвършенствани решения за търговия за непрофесионални и институционални клиенти, агрегиране на ликвидност ефективни от данъчна гледна точка кредитни линии, обезпечени с активи, лихвоносен продукт, придружени от най-високо ниво на попечителска сигурност на Nexo платформата. В началото на 2022 г. компанията основа своето инвестиционно подразделение Nexo Ventures, което има вече над 60 портфейлни компании. От основаването си през 2018 г. Nexo е обработила повече от $130 милиарда за над 6,000,000 потребители в 200+ юрисдикции.

Payoo is the name of Paynetics eWallet solution. This new generation wallet offers digital banking services for consumer and Business Users. We are proud with advance B2B Services for any 3rd Party Businesses who are offering services on the market.

Welcome to the future of digital banking in Bulgaria 🚀! Postbank is transforming into a tech company with a banking license – a forward-thinking company, redefining banking through digital excellence & best-in-class customer service. We combine cutting-edge technology with a human touch to deliver seamless, secure, and personalized experiences that empower individuals, businesses and institutions to thrive. As part of Eurobank Group, we also bring together international expertise with a strong local presence, shaping the future of banking in Bulgaria. With a strong legacy and a bold vision, we are committed to innovation, sustainability, and social impact - making us not just a bank, but a trusted partner for progress. If you love building innovative solutions & turning complex challenges into simple, meaningful experiences – join us on this journey!

Your trusted partner for Retail, Corporate and Investment Banking system solutions. From Core Banking Systems implementation, Internet and Mobile Banking solutions, DWH, Basel II, Central Bank and Management Reporting to SWIFT, RTGS, SEPA, Card Management and Payments. We are the best choice for Oracle Banking and Oracle FlexCube implementation, upgrades and customizations, whatever is your preferable choice of the modules and version of the CBS. Proudly serving our customers from the EMEA to the Caribbean at SBC we understand the Issues, challenge the Assumptions and deliver the best in the region Banking Solutions.

Societe Generale Expressbank, a subsidiary of Societe Generale Group, is one of the leading financial institutions in Bulgaria with 400 000 clients and 1500 employees. As a customer-centric bank, our mission is to support the projects of our clients by providing them with the financial advice that suits their needs. At Societe Generale Expressbank we highly appreciate our employees as we believe that everyone has potential for professional development. Therefore we use our resources to help them identify with our corporate values in order to achieve their professional goals and contribute to our success.

𝐭𝐛𝐢 bank is a mobile-first challenger bank in Southeast Europe and regional leader in alternative payment solutions, building an ecosystem by combining financing and shopping to address customers’ needs. It focuses on helping merchants to grow their business as well as providing consumers with financial products and services that make their lives easier. Currently operates in Bulgaria, Romania, Greece, Germany, and Lithuania. Through various digital channels and trusted partnerships with over 32,000 merchant stores, 𝐭𝐛𝐢 has a customer base of 2,4 million clients and issued over 1,000,000 loans in 2024. Its business model and customer-focused approach resulted in becoming the most profitable and efficient bank in Bulgaria (Capital's ranking K10, 2024).

Bankservice JSC is a joint stock company owned by the Bulgarian National Bank and 26 commercial banks in Bulgaria. The company was established in 1989. Bankservice JSC supports and develops a Quality Management System in line with the principles and requirements of ISO 9001:2000. international standard. • Mission The mission of Bankservice JSC is to establish, support and develop modern infrastructure systems, products, services and technologies for the banking sector, corporate structures, companies and the natural persons in compliance with the current market requirements and the challenges of the integration in the European Union. • Structure The Head Office of Bankservice JSC is located in Sofia. There are 27 regional representative offices throughout Bulgaria. • Human resources In order to be able to provide modern information solutions, Bankservice JSC has over 200 highly qualified specialists.

The Bulgarian National Bank is one of the oldest national institutions established right after the restoration of the Bulgarian state, on January 25, 1879, and on 6 of June of the same year the first banking operation was conducted. According to the Constitution of the Republic of Bulgaria (article 29) the BNB is an independent issuing institution of the State reporting to the National Assembly. It plays a key role in the Bulgarian economy and takes care of maintaining the stability of the Bulgarian currency, and of strengthening and development of the banking and credit system in the country. The BNB’s independence is also guaranteed by its organic Law (LBNB), and by the Treaty establishing the European Community. Since January 1, 2007 the bank is a full member of the European System of Central Banks and actively participates in the decision making process in the area of banking and finance in the European Union. The BNB Governor is a member of the General Council of the European Central Bank.

Кеш Пойнт е твоята нова точка за бързи пари. Всички услуги – от финансови до плащане на сметки и застраховки се предостявят чрез опростени условия, с гарантирано качество, сигурност и прозрачност. Ние осигуряваме кеш бързо, лесно и по всяко време! В Кеш Пойнт можеш да получиш суми до 1 000 000 лева. Само при нас можеш: • Да получиш бърз кредит • Да изтеглиш ипотечен кредит • Да финансираш своя бизнес • Да заложиш ценна вещ • Да направиш всички видове застраховки • Да заплатиш твоите сметки • Да преведеш парични средства Всички тези услуги ще намериш в твоята точка за бързи пари - Кеш Пойнт. При необходимост от финансиране не се колебай да се обърнеш към нас – ние сме твоят доверен партньор - 24 часа, 7 дни в седмицата.

Кредитен Център Брейн Сторм е лицензиран кредитен посредник, експерт във финансовите и банковите услуги. Ние работим в партньорство с всички банкови институции в България, за да Ви дадем най-добрата оферта за ипотечен кредит, рефинансиране, бизнес кредит или потребителски кредит. Можете да се свържете се с нас на: Site: www.brainstormcredit.bg E-mail: CreditCenter@brainstorm.bg; k.yordanov@brainstorm.bg Tel: +359 895 538 808 Tel: +359 2 413 08 01 Credit Center Brain Storm is a licensed credit intermediary, expert in financial and banking services. We work in cooperation with all banking institutions in Bulgaria, to provide to you the best offer for mortgage loans, re-financing, business loans or consumer loans. You can contact us on: Site: www.brainstormcredit.bg E-mail: CreditCenter@brainstorm.bg; k.yordanov@brainstorm.bg Tel: +359 895 538 808 Tel: +359 2 413 08 01

Small bulgarian bank with a focus on small and medium sized businesses. D Commerce Bank AD has been established as a commercial bank with a full banking license to conduct financial and banking business in this country and abroad. The bank provides all kind of banking and financial services and applies best international practices. Main priority of our bank is to support the export activities and to increase the trade turnover of Bulgaria with Turkey by financing local manufacturing, finding buyers and attracting investors for increasing the volumes and the quality of products. D Commerce Bank AD puts high priority on service, comfort and confidentiality. A wide range of products is offered to individuals and companies from a variety of sectors. The bank strives to improve customer satisfaction by providing fast and cost effective solutions in a reliable and flexible manner.

Eurosecurity EOOD was established in 2005. From October 2024 Eurosecurity is partner of KTG GnbH Germany. The company is leading supplier in the world of under vehicle inspection systems. The company develops customer-specific solutions for under vehicle inspection to support the detection of IEDs (= Improvised Explosive Devices) and other hidden objects, such as explosives, drugs and contrabands. With its highly efficient scanning technology SecuScan® supports the fast and uncomplicated detection of dangerous objects at the undercarriage of the vehicles. Unlike conventional underside control methods, such as inspection wells or mirrors, SecuScan® enables effective safety inspections without slowing down the traffic flow at checkpoints. As the innovation leader SecuScan® today is used successfully in almost 50 countries worldwide.SecuScan® systems act as security line at gates of industrial facilities, military camps, government buildings, border crossings, airports, seeports, stadiums, hotels, car parks, prisons etc. From beginning of 2019 Eurosecurity is exclusive partner of Robur Safe AB. The company is leading supplier in Europe of: Bank Vaults; Strong room; Strongroom Doors; Night safes; Tampest safes; EMC-protected rooms Deposit lockers; Time-delay high security locks; Fire resistant Safes and Safes. All kind of Safes. Eurosecurity is a partner for Bulgaria of Oberthur Cash Protection and BVK - the European leaders in the field of ATM and cash protection. From Beginning of Octomber 2019 Eurosecurity is exclusive partner of i5 d.o.o. The company is leading supplier in Slovenia of X-GuardS and X-GuardM for security systems prevention from robberies of: Bank offices; POST offices; Courier offices; CIT or couriers staff. Euroecurity offers products for ATM prevention from: solid explosives attacks cash trapping; skimming and shimming devices; BlackBox attacks; Eavesdropping Card Trapping physical attacks;

Fibank (First Investment Bank AD) aspires to be one of the finest banks in Bulgaria and the Balkan region, recognised as a rapidly growing, innovative, customer-oriented bank, offering outstanding products and services, ensuring excellent careers for its people, and contributing to the community. The Bank aims at developing, through sister banks and subsidiaries, a regional banking network to service the business needs of the Balkan region. First Investment Bank is a joint-stock company, registered with Sofia City Court pursuant to a ruling dated 8 October 1993. Since 28 February 2008 the Bank has been registered in the Commercial Register at the Registry Agency. First Investment Bank is a public company registered in the Commercial Register of Sofia City Court with a decision dated 4 June 2007 and in the register of public companies and other issuers held by the Financial Supervision Commission with a decision dated 13 June 2007. The Bank owns a universal banking licence for domestic and international operations. First Investment Bank is a licensed primary dealer in government securities and is a registered investment intermediary.

FSUD is an urban development fund for Sofia, created under JESSICA initiative in Bulgaria. FSUD funds projects that have a significant socio-economic effect over the territory of the Capital of Bulgaria. The Fund provides low-interest loans to projects which have a rate of return below the market minimum, but which are of great social importance and value. The total financial resource of the Fund is almost BGN 50 million – half of which provided by OP “Regional Development” 2007-2013. FSUD has invested the total amount by the end of 2016 into thirteen sustainable urban projects, among which are the renovation of the Woman's Market, the creation of Vazrajdane park and the building of a sports complex in Zone B5. Since 2016, FSUD is able to reinvest the funds, received as repayments under the active project funding agreements, into new sustainable urban projects. Reinvesting will be possible until 2025 and FSUDS will gradually be able to disburse a total of BGN 30 million. The Fund is gathering new project ideas that must be implemented within the main three Areas of impact of IPURD – Sofia (C1, O1 and И1), in order to invest the recycled funds.

We are experienced bankers who registered in the Bulgarian Central Bank their own credit consulting company Immocredo with a registration Nr. BCI000036 . Immocredo signed contracts for credit inter-mediation with most banks and can provide you with very competitive banking offers, which are tailor made for you. Our experienced consultants will compare multiple credit offers and will advise you on the best one for you. We will take you easily through the entire credit approval process and will make sure that all documents are completed. We will organize for you the market evaluation of the collateral with a well recognized licensed evaluation agency and will accompany you in the bank and the notary office. We will be together with you till the full utilization of the credit and will support every step. Our service to you is free of charge as we act as a credit intermediary and all financial aspects have been settled in our contracts with the banks. Trust Immocredo and you will not be disappointed. All you can do with us, is win. Your success is our credo! Your Immocredo team

Municipal Bank Bulgaria is universal commercial bank, established in April 1996. Municipal Bank sees its mission in the quality, pari passu partnership with its customers, with the purpose of satisfying their needs of financial services and products. Registered Share Capital: BGN 69 362 810 divided into 6 936 281 registered, book-entry voting shares, of BGN 10 par value each. Banking License Full banking license No. B16 by the Bulgarian National Bank for domestic and worldwide banking and financial operations. SWIFT/BIC: SOMBBGSF Memberships: Association of Commercial Banks in Bulgaria Bulgarian Stock Exchange AD Central Depository AD MasterCard Incorporated Licenses: Licensed primary dealer of government securities Licensed investment intermediary for corporate securities trading Licensed local and international electronic debit and credit cards operator Service agent of budgets Agent under a contract with the Ministry of Finance (MoF) for servicing budget operators, including within the system of MoF's Single Account Correspondent relations with over 300 banks from all over the world. Branch Network: 41 branches and 5 offices, located in 25 regions and 35 populated areas in the country.

MoneyShop е българска компания, която предоставя набор от гъвкави възможности за потребителско и ипотечно финансиране. Стремим се да отговорим на нуждите на българските потребители, като и им предлагаме заеми за ремонти, обединяване на задълженията, покупка на автомобил, ипотечни кредити и други големи покупки Целта на нашия екип от финансови експерти е да предложат на всеки клиент финансиране според конкретната му необходимост, без излишни формалности. Държим на прозрачните отношения с нашите клиентите, като им предлагаме отговорно финансово кредитиране и точни решения.

Our open-minded team is dedicated to streamlining the onboarding process, making it quick and hassle-free, even for new businesses

Токуда Банк ЕАД е учредена на 27 декември 1994 г. като акционерно дружество според Закона за банките и Търговския закон на Република България. Токуда Банк ЕАД има пълен лиценз, който й позволява да извършва в страната и чужбина всички сделки по чл.2 от Закона за кредитните институции. Мисията на банката е да подпомага развитието на бизнеса и обществото в България чрез предоставяне на разумни финансови услуги на частни предприемачи и физически лица. Собственик на Токуда Банк ЕАД е "Токушукай Инкорпорейтид", Токио, Япония. Японският инвеститор придобива мажоритарния пакет от акциите през 1998 г., а в момента притежава 100% от капитала на Банката. Основен акционер в "Токушукай Инкорпорейтид" до 2024 г. е доктор Торао Токуда, а понастоящем това са г-н Такеши Токуда и г-жа Хидеко Токуда. Tokuda Bank was founded on 27 December 1994 as a joint-stock company in accordance with Bulgaria’s Law for Credit institutions and Commercial Law. The Bank has a full banking license for Bulgaria and abroad. The mission of Tokuda bank is to support the advancement of the Business sector and the society in Bulgaria through providing prudent financial services to private entrepreneurs and individuals. Tokushukai Incorporated (Tokyo, Japan) is owner of Tokuda Bank EAD. In 1998 the Japanese investor acquired a majority stake and currently, it owns 100% of the Bank's capital. The main shareholder of Tokushukai Incorporated until 2024 is Dr. Torao Tokuda and now main shareholders are Mr. Takeshi Tokuda and Mrs. Hideko Tokuda.

Цялостно платежно решение за приемане на картови плащания на място, в движение, онлайн или където и да те отведе бизнесът ти.

Bigbank – дигиталната банка, която прави живота по-лесен. Вярваме, че банкирането трябва да бъде удобно, прозрачно и съобразено с вашия начин на живот. С дигитален фокус и грижа за клиента, създаваме лесни и интуитивни финансови решения за вашия ден.

CREDIT INFO is a company specializing in the field of credit consulting, covering the full range of loans on the market - mortgage, consumer and corporate. The company started operations in 2020 and works with the leading banking and non-banking institutions in Bulgaria.

MKB Unionbank e една от най-добре управляваните и най-добре позиционираните банки в страната. Има пълен банков лиценз и е упълномощена да извършва всички банкови операции, разрешени от българското законодателство. Оторизирана е от Министерство на финансите за обслужване на разпоредители с бюджетни средства.

ProCredit Bank is a development-oriented commercial bank. We offer excellent customer service to small and medium enterprises and to private individuals who would like to save. In our operations, we adhere to a number of core principles: We value transparency in our communication with our customers, we do not promote consumer lending, we strive to minimise our ecological footprint, and we provide services which are based both on an understanding of each client’s situation and on a sound financial analysis. In our operations with business clients, we focus on small and medium-sized enterprises, as we are convinced that these businesses create jobs and make a vital contribution to the economies in which they operate. By offering simple and accessible deposit facilities and other banking services and by investing substantial resources in financial education, we aim to promote a culture of savings and financial responsibility. Our shareholders expect a sustainable return on investment over the long term, rather than being focused on short-term profit maximisation. We invest extensively in the training and development of our staff in order to create an open and efficient working atmosphere, and to provide friendly and competent (customer) service for our clients.