Dear customers,

We would like to inform you about your options for initial loading with euros until 31.12.2025:

1. Starter kits with euro coins - from 1 December 2025
From 01.12.2025, begins the sale of starter packages of euro coins with Bulgarian national side.

• Individuals:
  Price: 20 BGN
  Contains euro coins with total amount of 10.23 euros
  You can purchase up to 2 kits per transaction.
• Legal entities:
  Price: 200 BGN
  Contains euro coins with total amount of 102.30 euros

2. Simplified supply for micro-enterprises – 29 and 30 December 2025
Micro-enterprises (with less than 10 employees and turnover/assets up to 2 million euros) that have not used this procedure at another bank can withdraw up to 10,000 euros.

Required:

• Application for euro withdrawal as per the simplified procedure – submitted 3 business days in advance via online banking or at our branch.
  Application for cash withdrawal of euro under the simplified procedure for a micro-enterprise
• Declaration (Appendix 1 to Ordinance No.46 of BNB) – provided at the time of withdrawal.
  Declaration from the recipient of simplified replenishment under BNB Ordinance No. 46

When withdrawing the requested amount, the bank blocks the equivalent in leva in the company's account. On 01.01.2026, it is used to pay for the euros received in cash.

3. Replenishment in euros under a preloading agreement

Clients which already have a signed contract with the bank for initial loading with euros can submit a withdrawal request within the deadlines specified in the Bank's List of Terms and Conditions.

Upon withdrawal of the requested amount:

• 110% of the ammount is blocked in the leva account.
• 100% covers the withdrawn funds as of 01.01.2026.
• The remaining 10% serves as a guarantee and are unblocked until 04.02.2026.

Important:

Keep the initially withdrawn euros in a separate, secure place. After 01.01.2026 you can use it in circulation.
BNB monitors compliance with this requirement.

Yours sincerely,
BACB Team