Dear Customers,

In connection with the introduction of the euro in the Republic of Bulgaria, Bulgarian-American Credit Bank (BACB) informs you of the organization of operations during the transition period.

Working Hours and Remote Banking on 30.12.2025

• On 30.12.2025, BACB offices will serve customers until 14:00. Payment orders submitted by this time will be processed the same day.
• Online platforms BACB Online and mobile applications will be accessible until 17:00, payment orders will be accepted until 14:30.
• Currency transfers ordered on 30.12.2025 with future value date will be executed on 05.01.2026.
• All direct debit mandates will be cancelled on 30.12.2025, and direct debits will not be executed after 01.01.2026.
• Access to the platform for opening online deposits and accounts will be active until 12:00 on 30.12.2025, after which it will be temporarily suspended for migration.

Payment Restoration After Migration

• Access and full functionality of online banking platforms will be restored after 14:00 on 02.01.2026.
• After system restoration, payments will be processed with date 05.01.2026, with the exception of Instant euro transfers, which are executed within 10 seconds.
• Incoming payments received after 18:00 on 30.12.2025 will be credited to your account after 01.01.2026.

Cards, ATMs, and POS terminals

• During the migration, brief interruptions of card payments are expected between 23:30 on 31.12.2025 and 00:00 on 01.01.2026.
• ATMs: will not be accessible from 21:00 on 31.12 until 00:00 on 01.01. After this time, they will perform withdrawals only in euro. In January 2026, ATMs will accept deposits only in leva, and from February, deposits will be exclusively in euro.
• POS terminals: inaccessible during the same period (21:00–00:00), after which they will process only euro payments.

Changes to Accounts, Loans, and Deposits

• All leva accounts will be automatically converted to euro at the fixed rate, with IBAN and account parameters preserved.
• If you have accounts in both leva and euro, after 01.01.2026 you will have two euro accounts.
• Leva deposits will be automatically converted to euro at the fixed rate with preservation of interest conditions and maturity dates.
• Active leva loans will be automatically converted at the official rate as of 01.01.2026. Interest conditions and repayment schedules remain unchanged.

In case of any changes in schedules or unforeseen circumstances, current information will be published on the BACB website.

Bulgarian-American Credit Bank Team