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 Tariff of fees and commissions applicable to individual clients 

All fees and commissions are in EUR, presented with double visualization in leva, without increase and the rounding of amounts is entirely in favor of the client.

• All limits and thresholds are presented in EUR.
• Some fees related to loans for individual clients are eliminated – section IV. Loans.
• Texts about L€VROSMETKA, which is being discontinued as a product from 01.01.2026, are eliminated.
• 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.
• Fee for reviewing documents is applied upon client registration, not upon account opening.
• Fee for registration of a proxy - a foreign individual from countries outside the EEA, is introduced.
• Additional correspondent fee for transfers in euros to banks in Russia and Belarus.

B. Changes of the Framework agreement for opening and maintaining bank accounts and providing payment services:

• 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);
• changes connected to PABO in paragraph (2) point 3.b/ regarding unilaterally terminate the Agreement without a pre-advice form the Bank and close the account;
• 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