Dear customers,

We hereby inform you that in connection with the introduction of the euro, amendments to the following documents related to opening and maintaining bank accounts and providing payment services will enter into force on January 1, 2026:

A. Changes of the List of terms and Conditions applicable to corporate clients and sole proprietors

• All fees, limits and thresholds are presented in EUR.
• Fees related to Direct debits in BGN are eliminated as these payments are discontinued from 01.01.2026.
• Fees related to outgoing transfers in BGN are eliminated.
• New service for express issuance within the day of a certificate/reference is introduced.
• Monthly fee for maintenance of escrow account for new company registration is introduced.
• Fee for reviewing documents is applied upon client registration, not upon account opening.
• All fees in euros are presented with a double visualization in leva.
• Additional correspondent fee for transfers in euros to banks in Russia and Belarus.

B. Changes of the Framework agreement on Setting Up and Maintaining Bank Acc. and Payment Services Provision:

• updating the name of the law: Measures Against the Financing of Terrorism Act and the proliferation of weapons of mass destruction and the current legislation on the prevention of the money laundering/terrorist financing, the proliferation of weapons of mass destruction and circumventing/non-compliance with restrictive measures (sanctions);
• text regarding direct debits not being serviced after 01.01.2026 has been removed.

C. Changes of the General Terms and Conditions for deposits:

• updating the name of the law: Measures Against the Financing of Terrorism Act and the proliferation of weapons of mass destruction and the current legislation on the prevention of the money laundering/terrorist financing, the proliferation of weapons of mass destruction and circumventing/non-compliance with restrictive measures (sanctions);
• change of guaranteed amounts from BGN to EUR under the Bank Deposit Guarantee Act in p.6 Deposit Guarantee;
• legal and technical revisions made.

Sincerely, The BACB Team