Postbank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Postbank suits Bulgarian savers who already hold a lump sum and can leave it untouched for the full term. The deposit pays 0.9% to 1.2% at a fixed rate for 12, but the minimum deposit of €5,000 puts it out of reach for anyone building a balance from small amounts.
Key facts
- Best for
- A fixed-rate deposit for savers with a lump sum and a short horizon.
- Headline rate
- 0.9% to 1.2%↗
- Rate type
- Fixed↗
- Term
- 12 months↗
- Minimum deposit
- €5,000↗
- Access terms
- No top-ups or withdrawals during the 12-month term; early termination possible but no interest paid for elapsed days↗
- Monthly fee
- €0↗
- Account kind
- Fixed↗
- Legal entity
- Eurobank Bulgaria AD↗
- Headquarters
- Bulgaria↗
- Founded
- 1991↗
- Support channels
- Email, Phone, Chat↗
- Pricing model
- Fixed rate, No monthly fee
- Official website
- postbank.bg
Loans
- APR
- 9.31% to 29.65%↗
- Loan amount
- €250 to €50,000↗
- Arrangement fee
- 0 EUR↗
- Credit check
- Hard↗
- Funding time
- Instant online application and digital signing, disbursed to a Postbank current account↗
- Representative example
- 30 000 EUR over 96 months at 5.99% interest, GPR 8.42%, monthly instalment 394.10 EUR, total repayable 40 874.05 EUR↗
- Lender type
- Direct lender↗
- Loan types
- Personal↗
- Use cases
- Home-improvement↗
- Features
- Same-day funding
Personal insurance
Mortgages
Pros and cons
Pros
- Interest is fixed at 0.9% to 1.2% for 12, so the return cannot drift while the term runs.
- The monthly fee is €0, so the headline rate is close to the whole return.
- A bank trading since 1991, so the deposit sits with an established lender in its home market.
Cons
- A minimum deposit of €5,000 puts the product out of reach for savers starting small.
- The headline rate sits below the site median of 3%, so the same money can earn more elsewhere.
Who it suits
- Bulgarian savers with a lump sum who can sit out the full term.
- Anyone who wants a known return and no monthly charge on the balance.
- Customers who want saving and borrowing from one bank, with loans at an APR of 9.31% to 29.65%.
Who should look elsewhere
- Savers chasing more interest: bunq pays 3.01% and Wise pays 3.29%.
- Finteres, at 0% to 36%, offers a wider ceiling than this fixed deposit.
Where it sits among rivals
On minimum deposit, Postbank sits at 367 out of 379 brands, which puts the entry amount towards the back of the field. The term reads differently at 9 out of 36, so the length of commitment is among the shortest around. That mix suits savers who already hold a lump sum and want the money back sooner rather than later.
Rates and terms
The deposit pays a fixed rate of 0.9% to 1.2% for 12, so the return is set the day the money goes in. The rate type is fixed, which rules out any mid-term change in what the balance earns. Postbank lends as well, and its consumer credit carries an APR of 9.31% to 29.65%, the figure to weigh if the savings are wanted for something rather than parked.
How Postbank compares
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Where Postbank is available
- Available
- Bulgaria
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What interest rate does the Postbank term deposit pay?+
The deposit pays 0.9% to 1.2% and the rate type is fixed, so the figure is agreed before the money goes in and does not move while the term runs. A fixed rate means no repricing date to watch, and the return on the balance stays the same throughout.
What kind of account is it?+
It is a fixed account rather than an instant access balance, and the product model is listed as fixed rate and no monthly fee. The money is committed for a set period rather than treated as a cash reserve to dip into, and no separate current account element is tied to the rate.
How much do I need to open it?+
The minimum deposit is €5,000, and that floor shapes who can use the product. Anyone building a balance from small monthly amounts is better served by an easy access account, because the rate here is only reachable once the opening amount is already in place.
Is there a monthly or annual fee to pay?+
The monthly fee is €0, so the account takes nothing each month and the 0.9% to 1.2% rate is close to the whole return. The wider banking side differs: the credit card carries an annual fee of €87, so charges sit on the card rather than the deposit.
Who am I actually banking with?+
The account sits with Eurobank Bulgaria AD, the Postbank operation in Bulgaria, and the bank has been trading since 1991. Deposits are held by the bank itself for the whole term rather than by a platform, so the counterparty is an established bank in its home market.
Can I borrow from the same bank?+
Postbank lends directly, and a personal loan runs at an APR of 9.31% to 29.65% on amounts of €250 to €50,000, aimed at uses such as home improvement. The origination fee is 0 EUR and applications turn on a hard credit check, with same day funding listed for funding.
How do I get help with the account?+
Day to day questions go through email, phone and chat, which covers email, phone and chat. Claims on the insurance side use separate routes, phone, email and branch, adding branch, post and courier. The deposit itself is handled through the general banking channels, which handle rate and balance questions too.
Sources
- content.postbank.bg/-/media/2026_01_01_Tariff_Individuals... checked September 26, 2026
Backs: Annual fee, Card type, Card network
“Standard annual fee without My Prestige program for Mastercard World Premium and Visa Premium credit cards is EUR 87.00”
- postbank.bg/en checked September 26, 2026
Backs: Legal entity
“I have read the Notice regarding the processing of my personal data by "Eurobank Bulgaria" AD”
- postbank.bg/en/about-us checked September 26, 2026
Backs: Founded, Headquarters
“1991 The Beginning of a Strong Bank - The Bulgarian Postbank was established”
- postbank.bg/en/about-us/contacts checked September 26, 2026
Backs: Support channels
“Email us; Call us 0700 18 555; Ask EVA (chatbot)”
- postbank.bg/en/deposits/new-12-month-term-deposit checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type, Term
“No top-ups or withdrawals are permitted during the term of the deposit - 12 months from the date it is opened”
- postbank.bg/en/insurances/peaceful-day-insurance checked September 26, 2026
Backs: Age range, Claims channels, Cover limit, Provider type, Monthly payments
“It covers the risks of "Death from illness or accident" for people aged between 18 and 64, whilst the additional cover "Permanent loss of working capacity of more than 50% as a result of accident" is...”
- postbank.bg/kreditni-karti checked September 26, 2026
Backs: Card kind
- postbank.bg/potrebitelski-krediti/potrebitelski-kredit checked September 26, 2026
Backs: Loan amount, APR, Credit check, Features, Funding time, Lender type, Loan types, Arrangement fee, Representative example, Use cases
“Consumer loan Postbank: you can choose an amount from 250 to 50 000 EUR and a term of up to 120 months”
- postbank.bg/zastrahovki checked September 26, 2026
Backs: Insurance types
“Insurance "BULSTRAD BONUS DOM" - protection of your home and household property; insurance "SPOKOYEN DEN" - protection against adverse events connected with your health and working ability; insurance...”
- postbank.bg/zhilishtni-krediti/zhilishten-kredit checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“Lihva (parvi 10 g.): 3,90% fiksirana - Zhilishen kredit s fiksirana likhva za parvite 10 godini”
Compiled from 10 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.