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Throughout the term the depositor may deposit unlimited amounts and withdraw a total of 30% of the initial principal. However, the deposit balance may not fall under the minimum amount required for deposits.



6 and 12 months



Minimum balance: 


Interest rates:

Terms of deposit BGN EUR USD
6 months 0.08% 0.08% 0.09%
12 months  0.13% 0.13% 0.15%

Interest accrual

On maturity date.


Deposits may be made throughout the term of the deposit and on maturity dates


Throughout the term, withdrawals amounting to up to 30% of the initially deposited principal may be made, without letting the deposit balance fall under the minimum amount required for deposits. Withdrawal is allowed on maturity as well. Other withdrawals are considered deposit termination and conditions for terminations are applied as described below.

On maturity

On the maturity date, the deposit is automatically renewed into a Standard fixed-term deposit, with the respective term and interest rates applicable as of the date of renewal.


In case of termination before the set term, the interest rate applied is that valid for current accounts in the currency of the deposit for the actual number of days.


Cash transactions on maturity are commission-free. The replenishment of the deposit is also free of charge. All other deposit-related operations comply with BACB List of terms and conditions.

Open a deposit

Open your deposit in any BACB office

The deposits and the accounts of individuals, opened with BACB, shall be guaranteed as per the regulations of the Law on Bank Deposit Guarantee..