Information for Business

You can find the full list of BACB branches here.

You can find a list of BACB ATMs here.

Until the merger is completed, you will continue to be served at Tokuda Bank branches. Following the merger, Tokuda Bank branches will become BACB branches and you will be served as BACB customers, with access to BACB's full range of products and services. You will be notified in advance of any changes affecting the branches. Detailed and up-to-date information will also be available on the dedicated merger pages of the Tokuda Bank and BACB corporate website.

Yes. Following the merger, your Tokuda Bank account will be transferred to BACB and assigned a new IBAN, which you will be informed of in advance so that you can provide it to your counterparties.

You will also be able to check your new IBAN online via the BACB website or the Tokuda Bank website.

Yes. At present, your current accounts with Tokuda Bank do not bear interest. Following the merger, interest will accrue on your current accounts in accordance with Section D, items 1 and 2 of BACB's Interest Rates Terms then in force.

Accounts and transactions carried out through them will be subject to the fees and charges set out in BACB's List of Terms and Conditions.

No. Deposit accounts will be transferred to BACB with the same agreed term, maturity date and interest rate, including those subject to individually agreed terms. On the first maturity date following the merger, your deposit will automatically be converted into a BACB Standard Deposit for the same term and at the interest rate set out in BACB's Interest Rates Terms then in force, unless you renegotiate it under the terms of another deposit product offered by BACB.

Tokuda Bank deposit products that are no longer available for sale will be transferred without an applicable interest rate, as is currently the case. Following the merger, you will be able to convert them at any time into another BACB product in accordance with BACB's Interest Rates Terms then in force.

For BACB's current terms and conditions for deposits for business customers, please see the available products here.

Until the merger is completed, you will be able to withdraw funds from your accounts only at a Tokuda Bank branch. Following the merger, Tokuda Bank branches will become BACB branches, your accounts will be serviced by BACB, and you will be able to carry out transactions at any BACB branch.

Deposits are guaranteed up to EUR 100,000 separately for each bank for a period of six months from the date on which the transformation is registered in the Commercial Register and the Register of Non-Profit Legal Entities. After the expiry of this period, the deposits of a legal entity opened with Tokuda Bank and BACB before the merger, together with the interest accrued on them, are aggregated for the purposes of the guarantee of up to EUR 100,000 in accordance with Article 12(1) of the Bank Deposit Guarantee Act. 

With the new BACB Visa card, which will replace your Tokuda Bank MasterCard debit card, you will be able to withdraw cash free of charge from all BACB ATMs.

Following the merger, a transitional period will be provided during which, if you receive a transfer to your Tokuda Bank IBAN, it will be credited to your new BACB IBAN. After this period, you will no longer be able to receive transfers to your Tokuda Bank IBAN. We recommend that, once you receive your new BACB IBAN, you provide it to your counterparties without delay.

Detailed information will be available on the dedicated merger pages of the Tokuda Bank and BACB corporate websites.

All attachments imposed on your Tokuda Bank accounts will automatically be transferred to your account(s) with BACB. The restrictions on the funds available in your accounts will remain in force under the same terms.

If you have accounts with both Tokuda Bank and BACB that are subject to identical attachments, the attachment imposed at BACB will remain in force, following an adjustment to the amount subject to attachment, where necessary. 

BACB will recognise express written powers of attorney accepted by Tokuda Bank for acts of disposal, where the principal's signature has been notarised/certified.

Ordinary written powers of attorney accepted by Tokuda Bank, whether on the Bank's standard form or in free text, without notarisation/certification of the principal's signature, will be recognised until the merger date. After that date, for additional security when disposing of funds in your accounts, BACB will accept only express written powers of attorney for acts of disposal bearing a notarised/certified signature of the principal. If you wish the persons authorised by you to continue carrying out acts of disposal after the merger, you will need to issue them with a new express written power of attorney bearing a notarised/certified signature of the principal. For your convenience, power of attorney forms will be available from your servicing branch.

Individually agreed fees and charges for Tokuda Bank customers will be transferred to BACB on the same terms. Those that do not have a specified period of validity will remain valid until 30 November 2027, after which they may be renegotiated.

Active MasterCard and Maestro debit cards issued by Tokuda Bank will be automatically reissued as BACB Visa debit cards with a new card number (PAN), while retaining the card type and currency and in accordance with the applicable EU regulations.

Remember: BACB will never ask you for your card number, PIN, CVV/CVC, passwords or one-time codes by telephone or email.

The new cards will be produced and personalised in advance, and will be distributed between 15 September 2026 and 30 October 2026.

Your servicing branch will notify you when your card is ready for collection.

Yes. When you visit your servicing branch to collect the card, you will be asked to sign a Business Debit Card Issuance Agreement.

The new Visa card will remain inactive until the date of the official merger of Tokuda Bank into BACB.

On the merger date:

• the new Visa card will be activated automatically;
• the existing MasterCard/Maestro card will be deactivated automatically.

Throughout the transitional period, arrangements will be made to ensure that you have an active payment instrument available.

Important: You will be notified separately of the exact merger date. We recommend that you have both cards with you on that day and that you are familiar with the PIN for your new Visa card.

The new Visa card comes with an entirely new PIN, and the old PIN will no longer be valid.

The card will be reissued entirely free of charge.

The new cards will be issued with the standard limits set out in BACB's current List of Terms and Conditions and General Terms and Conditions. If the limits on your Visa card do not meet your needs, once your card has been activated, staff at BACB branches or the Contact Centre will help you request an individual limit.

The new Visa cards offer a significantly wider range of features and services compared with the existing cards, including:

• the option to add the card to a digital wallet;
• cashback;
• higher payment transaction limits;
• remote identification;
• modern digital services and additional features.

Detailed information about all available features will be provided in the accompanying letter with your new card.

The fees set out in BACB's current List of Terms and Conditions for the relevant card product will apply.

All payments, including subscription payments made with a Tokuda Bank card, will stop once the card is deactivated on the merger date. To ensure continuity of the service, register your new Visa card for the subscription and inform the merchant of the change, if required.

Registration for automatic payment of utility bills will be automatically terminated when the MasterCard/Maestro card is deactivated on the merger date.

To continue using a similar service after the merger, you can subscribe to BACB's "Automatic Payment of Utility and Other Service Bills" service. When you visit a Tokuda Bank branch to collect your Visa card, you will be able to apply for the service.

In connection with the merger, BACB, jointly with Visa, will organise special promotional campaigns for cardholders, offering the opportunity to win attractive prizes and a trip abroad for two.

The new cards will be automatically included in the campaigns. Details will be published in due course on the BACB website.

The Contact Centre is available on 0700 14 488 / *4488, by email at contact@bacb.bg , via the contact form and through the other channels available at www.bacb.bg.

The service for blocking a lost or stolen card is available 24/7.

No. All active POS terminals provided by Tokuda Bank will be replaced with new BACB devices.

The new POS terminals will be configured in advance and distributed by the end of October 2026.

Your servicing branch will notify you when the new POS terminal is ready for collection.

Yes. When you visit your servicing branch to collect the new POS terminal, you will be asked to sign an Agreement for Processing Payments with Domestic and International Cards at a POS Terminal.

The new POS terminal will remain inactive until the date of the official merger of Tokuda Bank into BACB.

On the merger date:

• the new BACB POS terminal will be activated automatically;
• the existing Tokuda Bank POS terminal will be deactivated automatically.

This will ensure that you have an active device throughout the transitional period.

Important: We recommend that both devices are available and switched on at your business premises on that day.

Yes. Proceeds from POS transactions of merchants who are Tokuda Bank customers will be credited to the new IBAN issued by BACB.

No. The service will continue without interruption for you as a merchant.

The terms, interest rate, collateral and insurance applicable to your existing business loans will remain unchanged until they expire or are renegotiated.

Nothing will change automatically. The interest rates under each agreement will remain unchanged. If you wish, BACB may review your individual case and offer a better solution.

Until the merger, only at a branch of the bank that granted the respective loan.

For loans granted by Tokuda Bank, until the merger you may request renegotiation of the terms, including the term, maturity date, instalment and interest rate, by submitting a request at a Tokuda Bank branch. Following the merger, you may submit a request at any BACB branch, as Tokuda Bank branches will become BACB branches, where you will be offered the best solution.

Yes. If you have not yet signed an agreement, the approval will remain valid for the period and on the terms agreed before the merger.

Before the merger, your loan application addressed to Tokuda Bank will be considered by Tokuda Bank, and after the merger by BACB.

For the period stated in the offer itself. Simply observe the stated deadline.

Yes, you will continue to receive payment reminders as usual.

The way you access internet banking will not change following the merger.

You will continue to use the same web address, username and password.

On the merger date, the platform will have an updated look reflecting BACB's corporate identity.

The change will be mainly visual. The core functionality, menus and way of using the platform will remain unchanged.

Following completion of the integration, BACB will continue to develop its internet banking services by introducing new features, services and products offering more opportunities for remote banking.

You will be informed of all new developments in due course.

Yes. BACB offers accounts for private enforcement agents, insurers, notaries and lawyers.

Please contact BACB's Asset Management Department at propertymanagement@bacb.bg. They will assist you with all enquiries relating to properties, machinery and equipment owned by Tokuda Bank and offered for sale.

Your portfolio will be transferred to BACB in its capacity as an investment intermediary. 

Yes. You will continue to receive regular information about your portfolio, including its size and value as at a given date. 

Yes. You will be able to submit orders to BACB for transactions in financial instruments, both in respect of instruments you already hold and for the purchase of new ones. 

You will receive through BACB the income from the financial instruments you hold, including dividends and interest payments. 

Yes. You will be able to request at BACB a certificate to be issued by the Central Depository confirming the financial instruments you hold.

Yes. Precious metal products and commemorative coins will be available for purchase at selected BACB branches.

Detailed information will be available on the dedicated merger pages of the Tokuda Bank and BACB corporate websites.