Dear customers,

We would like to inform you that as of December 16, 2024, the Bank will apply changes in the List of terms and conditions, applicable for Individual customers 

The changes are related to the launch of new products for Individual customers - Package programs for youth, as follows:

• The “Youth 14-18” package in BGN and EUR is a product for clients aged 14 to 18, which includes a current account in BGN or EUR, a debit card and passive access to BACB Online/BACB Mobile. The package is opened in the name of the holder, in his presence and in the presence and with the express written consent of the parent/guardian. Access to the funds in the current account is possible through the holder’s issued debit card. The limits on debit card transactions are pre-limited, and at the request of the parent/guardian, they can be further reduced. Cash withdrawals from the current account at a cash desk and other payment transactions at a Bank office are permissible only with the permission of the relevant district court and in the presence of the parent/guardian, and against payment of a fee for the relevant service according to the current Tariff of the Bank. The package is active until the end of the month in which the holder turns 18, after which it is deactivated and transformed into a "Youth 18-25" package.

6.1. Payment Package "Youth 14-18" in BGN or EURO
A. Opening	Free of charge
B. Monthly maintenance	Free of charge
C. Termination of the package	Free of charge
D. Debit card
- Issuance and Re-issuance upon expiry of the validity	Free of charge
- Monthly maintenance	Free of charge
- Withdrawal from an ATM in the country	Free of charge
- Payment of POS in the country, abroad, Internet/online	Free of charge
Е. Registration and maintenance of the SMS/email notification service	Free of charge
F. Registration for BACB online/BACB mobile	Free of charge
G. Debit Card Limits for the Package
1. Daily limit on number of transactions and amounts
- Cash withdrawal from ATM/POS	200 BGN
- Payment of goods and services at POS	300 BGN
- Total daily transactions – 20 pcs	500 BGN
2. Weekly limit on number of transactions and amounts
- Cash withdrawal from ATM/POS	200 BGN
- Payment of goods and services at POS	300 BGN
- Total weekly transactions – 40 pcs	500 BGN

• The "Youth 18-25" package in BGN and EUR is a product for clients aged 18 to 25, which includes a current account in BGN or EUR, a debit card and an accessible option for self-registration to BACB Online/BACB Mobile with active rights. In the case of a package automatically transformed from the "Youth 14-18" package, access with active rights is provided after filling out a request at a Bank office. The debit card to the current account has standard limits and conditions, according to the Bank's Tariff. The package is active until the end of the month in which the holder turns 25, after which it is deactivated and automatically transformed into a standard current account, and if it meets the conditions for "Clean Account", it uses its preferences.

6.2.  Payment Package "Youth 18-25" in BGN or EURO
A. Opening	Free of charge
B. Monthly maintenance	Free of charge
Notes: Monthly maintenance is "Free of Charge" if the client has made a minimum of 250 BGN/250 EUR monthly credit turnover on the account. In case the required turnover is not made, the current account is charged according to the Bank's current Tariff.
C. Termination of the package	Free of charge
D. Debit card
- Issuance and Re-issuance upon expiry of the validity	Free of charge
- Monthly maintenance	Free of charge
- Withdrawal from an ATM in the country	Free of charge
- Payment of POS in the country, abroad, Internet/online	Free of charge
E. Registration and maintenance of the SMS/email notification service	Free of charge
F. Registration for BACB online/BACB mobile	Free of charge
G. Transactions via BACB Online/BACB mobile
- Internal bank transfers	Free of charge
- External transfers in BGN, other than BLINK and RINGS up to 5 pcs/month	Free of charge
- Utility payment services	Free of charge

Sincerely,
The BACB Team