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Every citizen or permanent resident of Bulgaria may open an Online Deposit account with BACB. This service is available to new BACB clients, who have no active payment, deposit or other accounts with BACB or who have only had online deposits prior to their application.
The deposit can be replenished only from the depositor’s own account with a bank in Bulgaria, EU country, Iceland, Norway or Lichtenstein. You will need to replenish your account within 15 days of the receipt of the IBAN notification by BACB.

Term

3, 6, 12 and 24 months

Currency

BGN, EUR, USD

Minimum balance: 

1 000 currency units

Maximum balance: 

500 000 currency units

How

Transfer credit from your own individual account with a Bulgarian bank or a bank in an EU member state within 15 calendar days.

Interest rates:

Term of deposit  BGN EUR USD
3 monts 0.20% 0.20% 0.20%
6 monts 0.30% 0.30% 0.25%
12 monts 0.40% 0.40% 0.30%
24 monts 0.50% 0.50%

Security

Online Deposit savings up to 196 000 BGN are guaranteed by BACB Deposits Guarantee Fund. More information is available  here.

Where to open

You can open your Online Deposit account remotely by submitting an application through BACB’s website: https://deposit.bacb.bg and if you already have an Online Deposit – through BACB online banking platform, after you have registered as a Depositor.

Interest Accrual

The Online Deposit accrues interest on the maturity date or on the date of its preterm termination. Interest is capitalized to the deposit’s principal.

Management

The depositor can access their Online Deposits and manage them via the BACB online banking platform. Upon identification one can also manage their deposits at our counters in the BACB branches.

Deposit / Withdraw funds 

Any transactions with the Online Deposit during its term will be considered violation of the terms and conditions and will accrue interest at the BACB rate for preterm deposit termination.

On maturity 

Your Online Deposit is automatically renewed into a Standard fixed-term deposit with the same currency and for the same period. The interest rate applicable for standard deposits as of the date of the renewal is applied. You as a Depositor may opt for transformation of the deposit into another type of deposit by personally visiting а BACB branch or sending a written instruction to close the deposit via the online banking platform.

Preterm deposit termination

IIn case of preterm termination of the Online Deposit, the interest rate valid for current accounts in the same currency is applied and the accrual depends on the number of days the deposit has been with BACB. In case the Depositor decides to terminate their Online Deposit and let funds be transferred back, they shall send a written instruction via the online banking platform.

Fees

Incoming transfers for replenishing the deposit are commission free. In case of deposit termination with transfer of funds to another bank, the fees and commissions shall be withheld from the transfer amount. If the transfer is made in a currency other than BGN, it shall be processed with a standard value date.

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