UniCredit Bulbank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
UniCredit Bulbank suits savers and borrowers in Bulgaria, offering fixed deposits running 3 to 36 with a monthly fee of BGN 0 and consumer loans at an APR of 4.44%. Everyday banking plans carry an annual fee of €0, and the bank has traded since 1964.
Key facts
Loans
Credit cards
Savings
Personal insurance
Pros and cons
Pros
- The Daily Banking plans carry an annual fee of €0 and the Classic deposit a monthly fee of BGN 0, so the everyday accounts cost nothing to run.
- The mortgage promotion holds an initial rate of 2.89% for 5, and the standard mortgage carries a product fee of €0.
- Help runs on phone, email and help centre, giving a phone line, an email route and a help centre.
Cons
- Money in the fixed deposit is tied up until maturity, since the access terms allow use before maturity in a branch.
- Borrowing is priced on a variable rate, so a consumer loan can cost more as the rate moves.
- A maximum loan to value of 85% sits below the site median of 90%.
Who it suits
- Savers who can leave money in a fixed deposit for 3 to 36 and stay near a branch in case it is needed sooner.
- Borrowers in Bulgaria after a purchase or a consolidation, with amounts of €250 to €50,000 arranged by the bank itself.
- Card users who want debit spending with cashback rather than points on a debit card.
Who should look elsewhere
- Anyone who needs instant access to savings, since the access terms allow use before maturity in a branch.
- Readers who want an easy-access or notice account, since this deposit is a fixed account.
- Anyone who relies on live chat, since support runs on phone, email and help centre only.
Who runs it
UniCredit Bulbank AD is the legal entity behind the brand, and it is headquartered in Bulgaria. It has been trading since 1964, so the name carries a long history rather than a recent launch. Support runs on phone, email and help centre, which means a phone line, an email route and a help centre to work through when a card query, deposit term or loan question needs answering.
How UniCredit Bulbank compares
9.6 vs 9.4
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Where UniCredit Bulbank is available
- Available
- Bulgaria
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What does it cost to bank with UniCredit Bulbank?+
The Daily Banking plans carry an annual fee of €0, and the Classic deposit a monthly fee of BGN 0, so running the everyday accounts costs nothing. Borrowing is priced apart from those: consumer loans show an APR of 4.44%, and the standard mortgage a product fee of €0.
Can I reach my savings before the deposit matures?+
On a fixed deposit running 3 to 36, funds can be used before maturity in a branch, and the interest paid reflects the period they have been held. If the money may be needed sooner, plan around a branch visit rather than a quick app withdrawal.
What can I borrow, and at what cost?+
The bank is a direct lender covering personal and debt consolidation. Amounts run €250 to €50,000 and the rate is variable, with an APR of 4.44%. Because the rate can move over the term, treat that figure as a starting point for the cost of borrowing rather than a fixed promise.
What does the mortgage offer?+
The fixed rate promotion shows an initial rate of 2.89% held for 5 and is aimed at purchase and remortgage. Borrowing is capped at a maximum loan to value of 85%, below the site median of 90%, so a larger deposit is needed for the same property.
What cards does it offer, and what rewards come with them?+
The range covers a debit card for everyday spending alongside a credit card. Rewards come as cashback under a promotion offering 10% cashback on Mastercard Day, and rewards sit among the features on the card pages. Card tariffs set out the currency conversion fee and any ATM withdrawal charges.
Does it sell insurance as well as banking?+
It acts as a broker for home, travel and life cover, and monthly payments are available, with premiums starting at €3.39. On My Home insurance the insured sum for the building is the figure you select, and contents are covered at a share of that same sum.
How do I get help with an account?+
Support runs on phone, email and help centre, so a phone line, an email route and a help centre are the ways in, and the phone is the quickest for a time-sensitive question. The same channels cover card queries, deposit terms and the paperwork behind a loan application.
Sources
- unicreditbulbank.bg/en checked September 26, 2026
Backs: Support channels
“+359 700 184 84 ... Contact form or DbmmDfoufsAVojDsfejuHspvq/ch”
- unicreditbulbank.bg/en/about-us checked September 26, 2026
Backs: Headquarters
“UniCredit Bulbank is the leading bank in Bulgaria”
- unicreditbulbank.bg/en/individual-clients/savings-investm... checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit, Monthly fee, Term
“you can do it by visiting a branch of the Bank... the Bank does not pay interest for the period”
- unicreditbulbank.bg/bg/individualni-klienti/krediti/ipote... checked September 26, 2026
Backs: Fixed period, Initial rate, Maximum loan to value, Purpose
“Fixed interest rate for the first 5 years”
- unicreditbulbank.bg/bg/individualni-klienti/krediti/ipote... checked September 26, 2026
Backs: Product fee
“Mortgage loan "My new home": when applying remotely via the Virtual Mortgage Centre, no fee is charged for the documentary arrangement of the collateral”
- unicreditbulbank.bg/bg/individualni-klienti/krediti/potre... checked September 26, 2026
Backs: Loan amount, APR, Loan types, Rate type
- unicreditbulbank.bg/bg/individualni-klienti/zastrahovane/... checked September 26, 2026
Backs: Premium from
- unicreditbulbank.bg/bg/individualni-klienti/zastrahovane/... checked September 26, 2026
Backs: Cover limit, Provider type, Insurance types, Monthly payments
- unicreditbulbank.bg/bg/tarifi-i-obshti-usloviya/tarifi-us... checked September 26, 2026
Backs: Lender type
- unicreditbulbank.bg/bg/za-nas/za-unicredit/istoriya checked September 26, 2026
Backs: Founded
- unicreditbulbank.bg/en/individual-clients/bank-cards checked September 26, 2026
Backs: Card type
“Cards Home”
- unicreditbulbank.bg/en/individual-clients/bank-cards/cred... checked September 26, 2026
Backs: Card kind
“Credit card UniCredit Shopping Card”
- unicreditbulbank.bg/en/individual-clients/bank-cards/prom... checked September 26, 2026
Backs: Features, Rewards rate, Rewards type
“Expect 10% cashback back to your account”
- unicreditbulbank.bg/en/individual-clients/everyday-bankin... checked September 26, 2026
Backs: Annual fee, Pricing model
“Credit card Gold Smart Credit without annual fee”
- unicreditbulbank.bg/media/filer_public/96/6b/966bb01f-e70... checked September 26, 2026
Backs: Legal entity
“fee in accordance with the current UniCredit Bulbank AD Tariff”
Compiled from 15 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
Related by the facts
UniCredit Bulbank
Fixed deposit savings, everyday banking and direct borrowing from one Bulgarian bank.