Fibank review
Updated October 14, 2026 · SumCue Editorial Team · Facts checked October 14, 2026
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Our verdict
First Investment Bank (Fibank) offers several debit-card types through its Bulgarian personal-banking service, including Visa Debit, Debit Mastercard, a Platinum International card and options for children and teenagers. The page also lists online applications, card-limit management and 3D Card Security. The bank publishes separate terms and tariffs, so product costs should be checked for the...
Key facts
- Best for
- Customers in Bulgaria comparing Fibank debit cards and their accompanying digital security and management tools.
- Card type
- Debit↗
- Card network
- Visa↗
- Legal entity
- First Investment Bank AD↗
- Headquarters
- Bulgaria↗
- Founded
- 1993↗
- Support channels
- Phone, Email, Help-centre↗
- Features
- Rewards
- Official website
- fibank.bg
Loans
- APR
- 19.74%↗
- Loan amount
- up to €50,000↗
- Term
- 12 to 36 months↗
- Arrangement fee
- 0 EUR when applying online; 12.78 EUR when applying in a branch↗
- Funding time
- Funds drawn within minutes after fully online application and contract signing↗
- Representative example
- Promotional consumer loan: APR (GPR) 6.49% on 15,000 EUR over 84 months, monthly instalment 211.94 EUR, total payable 18,575.94 EUR↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Aged 18-70 at the moment of loan disbursement, proven regular income; net monthly income of at least 1,300 EUR for amounts over 40,000 EUR↗
- Loan types
- Personal, Debt-consolidation↗
- Use cases
- Home-improvement↗
- Pricing model
- No annual fee
Credit cards
Savings
Mortgages
- Initial rate
- 2.39%↗
- APRC
- 3.08%↗
- Maximum loan to value
- 85%↗
- Product fee
- €255.65↗
- Purpose
- Purchase, Remortgage, Home-equity↗
Facts checked September 26, 2026, 11 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- The catalogue distinguishes Visa, Mastercard, international and youth debit-card options.
- The bank lists online applications, card-limit management and 3D Card Security.
Cons
- Card features and costs differ by product; this overview should not replace the specific tariff and terms.
Who it suits
- People in Bulgaria considering a Fibank debit card for everyday or youth use.
Who should look elsewhere
- People who need a single universal fee or reward figure before selecting a card.
How Fibank compares
Where Fibank is available
- Available
- Bulgaria
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which debit-card types does Fibank list?+
The official page includes Visa Debit, Debit Mastercard, Platinum International and cards for children and teenagers.
Can card limits be managed?+
Fibank lists management of limits on its debit and credit cards as an additional service.
What security feature appears on the page?+
The bank lists 3D Card Security among its additional services.
Which company operates Fibank?+
Fibank is operated by First Investment Bank AD. (Source, checked September 26, 2026)
Where is Fibank based?+
Fibank is based in Bulgaria. (Source, checked September 26, 2026)
When was Fibank founded?+
Fibank was founded in 1993. (Source, checked September 26, 2026)
How can I contact Fibank support?+
Fibank offers support through Phone, Email, Help-centre. (Source, checked September 26, 2026)
Sources
- en.wikipedia.org/wiki/First_Investment_Bank checked September 26, 2026
Backs: Founded, Headquarters
“Founded 8 October 1993”
- fibank.bg/bg checked September 26, 2026
Backs: Card type, Card network
“Izdajte detska/teen debitna karta Visa”
- fibank.bg/bg/chastni-lica/krediti/jilishtni-i-ipotechni-k... checked September 26, 2026
Backs: APRC, Initial rate, Maximum loan to value, Product fee, Purpose
“Representative example for the "Right of Choice" housing/mortgage loan (EUR 100,000, 360 months): the GPR (APRC) on the loan is 3.08%”
- fibank.bg/bg/chastni-lica/krediti/potrebitelski-krediti/p... checked September 26, 2026
Backs: Loan amount, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Representative example, Use cases
- fibank.bg/bg/chastni-lica/spestjavanija-i-investicii/spes... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type, Term
“Top-ups of funds after the first 7 calendar days are not allowed; withdrawal of funds before maturity leads to breach of the deposit conditions; the deposit is re-negotiated automatically for a new...”
- fibank.bg/bg/kontakti checked September 26, 2026
Backs: Support channels
“Contact centre: *22 65 (*bank), 0800 11 011, +359 (02) 818 0007; call@fibank.bg; online banking support my.fibank@fibank.bg; site menu entry Help (Помощ)”
- fibank.bg/bg/za-nas checked September 26, 2026
Backs: Deposit protection
- fibank.bg/en/about-us checked September 26, 2026
Backs: Legal entity
“First Investment Bank AD - registered with Sofia City Court pursuant to a ruling dated 8 October 1993”
- fibank.bg/en/chastni-lica/karti/kreditni-karti/mastercard... checked September 26, 2026
Backs: Card kind, Features, Pricing model, Perks, Rewards rate, Rewards type
“Mastercard Standard credit card from Fibank”
- fibank.bg/en/personal-banking/car/virtual-credit-card checked September 26, 2026
Backs: APR
“Example of APR: 19.74% with a credit limit of 1500 euros - Virtual credit card”
- fibank.bg/web/files/richeditor/upcoming-changes/Tariff_01... checked September 26, 2026
Backs: Annual fee
“Virtual credit card EUR 23.01 - free of charge for the first year”
Compiled from 11 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Free ATM withdrawals, Protection.
Fibank
Customers in Bulgaria comparing Fibank debit cards and their accompanying digital security and management tools.