International debit card V PAY

BACB International V Pay debit card is the most secure and reliable card for cash withdrawals at ATMs and payments in the country and Europe. With it you have the following advantages:

  • You get automatically a secure payment password for payments on the Internet;
  • You can make contactless payments;
  • You do not  pay issuance and maintenance fee, also there is no fee for payment of goods and services in Bulgaria and abroad as well as no charge for cash withdrawals at BACB ATMs;
  • You can order online your  V Pay debit card , by completing a Request for issuance in the Virtual Bank BACB Plus or by visiting any of the BACB offices;
  • On your wish you can get free card delivery  to an address specified by you or to the bank offices by a courier company;
  • You can get a secure payment PIN and password via SMS to your mobile phone which ensures even higher security.
  • Possibility for SMS notifications with each authorization;
  • You participate in environmental protection - V PAY debit card is made from biodegradable materials emitting no harmful emissions in the process of degradation

VPay gives you the possibility of executing secure operations in the country, in Europe and in all countries which have implemented the chip technology. You have access to your money 24/7 on all devices acceptimg VISA chip cards– ATM’s and POS terminals at all retail outlets. You can also make payments for products and services on the Internet. The protection of the operations is with maximal security guaranteed by the Chip and PIN technology. There is no information recorded on the card magnetic stripe, thus eliminating the possibility of copying data and further fraud and forgery. Online payment security is increased since our cards automatically receive a password for secure payments. BACB International V Pay debit cards support the contactless payment function. PayWave gives cardholders the opportunity to buy goods and services for small amounts less than 25 BGN without the necessity of introducing a PIN or putting their signature on a POS terminal receipt. Additional advantage of our debit cards is the possibility of performing different operations through your card account at BACB branches – cash withdrawals, regular payments, transfers, etc. The operations are executed in real time.

With VPay by BACB you can also express your involvement in the efforts for environmental protection –VPay cardsaremadefrom biodegradable materials.

What do you get?

  • Maximum security of highest standards;
  • Convenience to perform contactless payments.


  • No issuance fee;
  • No charges for cash withdrawal at BACB ATMs;
  • No reissuance fee when the card expires;
  • No service fee;
  • No fees for paymentsfor goods and services in Bulgaria and abroad;
  • No fees for online payments.

Who should use it?

VPay is suitable for everyone who receives money by bank transfer and would like to have a secure and quick access to it.




5 years

Necessary documents

  • Request for debit card issuance for individuals;
  • ID card (for applying at a BACB branch);
  • Qualified electronic signature (for applying online).

 More secure online card payments with Visa Secure

BACB provides service to all VISA cardholders for secure online card payments with two factor authentication. It represents a combination of dynamic and static passwords, which the cardholder inputs for confirmation of card operations online. The dynamic password is one-time unique 6-digits code, generated by BORICA AD and sent by free of charge SMS delivered to a registered mobile phone. The static password is created by the cardholder on a special web page, provided by BORICA and is used together with the dynamic password for confirmation of online card transactions to internet merchants participating in Visa Secure programs. For static password change, please, follow the link.

Useful information

If your card is lost or stolen, please call+359 2 9702600 ; +359 2 8705149 to immediately block the card. The service is accessible 24 hours a day. BORICA- BANKSERVICE helpline of our Customer Service Department is available all year round 24 hours a day!