Execution deadlines and value dates

Exchange rates

as of 09/01/2025 12:34:28

Cash payment

Non-cash payment

Selling rate

1.96100

1.96000

Buying rate

1.94800

1.94900

BNB fixing

1.95583

Cash payment

Non-cash payment

Selling rate

1.93800

1.93500

Buying rate

1.85400

1.85600

BNB fixing

1.89794

Cash payment

Non-cash payment

Selling rate

2.39900

2.39400

Buying rate

2.27400

2.27800

BNB fixing

2.33370

Cash payment

Non-cash payment

Selling rate

2.12400

2.12200

Buying rate

2.03000

2.03200

BNB fixing

2.08133

Outgoing transfers

Outgoing transfers ordered through an electronic channel or on paper are executed as follows:

In BGN via RINGS – by 03:00 PM for execution with same-day value date with regard to the Beneficiary’s Bank;
In BGN via BISERA – by 07:30 PM for execution with same-day value date with regard to the Beneficiary’s Bank;
In BGN to the State Budget via BISERA – by 03:00 PM for execution with same-day value date with regard to the Beneficiary’s Bank;
For intrabank fund transfers in foreign currency and in BGN – by 08:00 PM andFor interbank payments in foreign currency*
- Ordered electronically – by 3:30 PM for execution with same-day debit value date with regard to the Payer’s Bank;
- Ordered on paper – by 3:00 PM for execution with same-day debit value date with regard to the Payer’s Bank.

*Fund Transfers in Foreign Currency: EUR, USD, CHF, GBP are being executed with same-day debit value date.

Fund transfers in currencies of the countries from the European Economic Area, ordered via the online and mobile banking functionalities, are being executed with debit value date 1 business day, while those, ordered via a branch of the Bank - with debit value date up to 2 business days.

Fund transfers in JPY, TRY, CAD, AUD, ordered via the online and mobile banking functionalities and at a branch of the Bank are being executed with debit value date 2 business days.

Incoming transfers

The received interbank transfers are processed as follows:

In BGN, received via BISERA by 08:00 PM – with same-day value date;
In BGN, received via RINGS by 04:00 PM. – with same-day value date;
In foreign currency, received by 04:30 PM – with same-day value date and
In foreign currency, received after 04:30 PM – on the next business day with value date being the day, on which the fund transfer was received at the Bank.

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For companies with annual turnover up to 2 mln BGN

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Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates

Outgoing transfers

Incoming transfers

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Offices and ATMs

Online/Mobile

Fees and terms

Exchange rates