Mastercard Business Credit - UniCredit Bulbank

Features and Fees

Credit Card Mastercard Business Credit is a practical solution for small and medium enterprises. The card combines speed and security and is the most suitable product to guide your business in a dynamic direction.

Now credit cards Mastercard Business Credit are offered under promotional conditions!

Take advantage of the card for business customers and increase the capabilities of your company. Mastercard Business Credit provides detailed information on the management of corporate finance, minimizing bureaucratic operations, gives more control and reduces administration costs of each payment.

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Credit limit

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From 1000 BGN to 50,000 BGN

Currency

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BGN, EUR

Time limit for issuing

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5 working days for standard

within 48 hours for express

Credit limit validity

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2 years

Card validity

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4 years

Minimum repayment amount

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3% of the approved credit limit.

Grace period

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Up to 45 days for purchases on POS terminal.

Upon full repayment of the total amount due by the 15th of the month you do not owe interest on funds used for purchases.

Due date

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From 1st to 15th of the month.

Coverage

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International

Additional card

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Promo - With the possibility to issue additional credit card at the same preferential interest rate.

Functionality

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Chip, magnetic stripe, contactless functionality.

Card service

Liabilities repayment

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No need to repay fully the used credit limit. You have the opportunity to pay only a minimum fixed amount every month through various channels.

Direct debit - automatic repayment of a minimum repayment amount and all credit card liabilities from other bank accounts
Mobile or online banking - repayment of a minimum repayment amount or larger amounts directly to the card account
Installments at ATM - with cash deposit to a credit card account
At cashier in the bank branch to a credit card account

24/7 customer service center

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In emergency situations or when you need to check your card balance

Statements and notifications

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Free of charge monthly statement of account via e-mail
Free of charge SMS reminder and e-mail 5 days prior to the date of the amount due and 3 days afterwards

Terms and fees for issuing and service

Review the full list of the card parameters determined pursuant to the Tariff and the General terms and conditions for bank cards and for provision services via bank card as an online payment tool.

Tariffs and General Terms

Issuance and service
Parameters	Value
Issuing	No fee
Express issuing/re-issuing	40 EUR
Re-issuing after on the expiry date	No fee
Re-issuing before the expiry date	10 EUR
PROMO! Annual service fee of a main card	Free of charge for the first year, 50 BGN afterwards
Annual service fee of the additional card	35 EUR
Change of the card parameters	5 EUR
Additional card	Yes
Benefits and package programmes	Free of charge insurance Automatically enrolled for Virtual PIN

Transaction fees and limits

Transaction charges and fees
Parameters	Value
Payment in merchant outlets in the country and abroad	No fee
Payment of goods and services in the Internet	No fee
Cash withdrawals at ATM:
of the bank	1,50% + 1.50 EUR
of other banks in Bulgaria	2,50% + 4 EUR
abroad	3% + 4 EUR
Balance inquiry at ATM	0.50 BGN
Transactions in ePay.bg/B-pay systems	No fee
Cash withdrawals at POS terminal:
in a branch of the bank	1% + 3 EUR
of other banks in Bulgaria	2,50% + 4 EUR
abroad	3% + 4 EUR

Upon performing a bank card transaction on a real or virtual device abroad in a currency different from the currency of the card account, the transaction amount shall be converted in an amount for sending the financial output of the executed transaction from the Acquiring Bank of the merchant that has accepted the payment to the Card Issuing Bank at the exchange rate of the International Card Organization (ICO), VISA or Mastercard applied on the day of sending. UniCredit Bulbank AD shall book the transaction on the Client’s account where the sent amount debiting the Client’s account shall be converted in an amount in the currency of the account at the respective buy/sell exchange rate of UniCredit Bulbank AD applied on the day of booking the transaction (which may be different from the day of sending the payment). The currency of the amount of the sent payment transaction is USD (for payments made in US dollars) and EUR (for all other payments). UniCredit Bulbank AD does not apply any additional fees in case of revaluation of the bank card transactions.

Transaction limits
Parameters	Value
Payment at POS terminal at merchant outlets	8 000 BGN for 1 transaction 26 000 BGN for 24 hours 36 000 BGN for 7 days
Cash withdrawals at ATM and POS terminal at a bank branch in Bulgaria	2 000 BGN for 1 transaction 4 000 BGN for 24 hours 14 000 BGN for 7 days
Cash withdrawals at ATM and POS terminal at a bank branch abroad	1 000 BGN for 1 transaction 4 000 BGN for 24 hours 14 000 BGN for 7 days
Total payments within a period	80 for 24 hours 140 for 7 days

Card activation

The card activation process is now much faster and easier. Once you have your bank card, you can activate it yourself by changing your original PIN at UniCredit Bulbank’s ATM or all other ATMs with the logo of BORICA AD*.

LEARN MORE

*Activation of a card and change of PIN code is possible only at ATMs in Bulgaria!

Application of the Card

Contactless payments – quick, easy and secure payment with only one move without a requirement to enter PIN for card purchases up to BGN 100 in merchant outlets in the country marked with the contactless payment symbol.
Booking and rental services - cars or airline tickets and hotels.
Cash withdrawals at ATM and POS terminal in any bank branch.
PIN change and information on the last five transactions.

Payment of products and services in Internet.
Payment of bills and services from an ATM in Bulgaria through the B-Pay system.
Account balance at ATMs in Bulgaria and abroad.
In case of contactless payments abroad the payment amount below which PIN is not required is different and is determined by the Bank which services the terminal and by the international card organisations (ICO). For example, in Europe the average payment limit below which no PIN is required is EUR 50.

How to apply

Required documents and terms

Client’s ID card
Foreigners should a resident permit for Bulgaria
Application form for credit card when visiting UniCredit Bulbank branches

Apply for your Mastercard Business Credit

In branch of the bank

Apply for the card in any bank branch.

Through the online and mobile banking

Bulbank Online
Bulbank Mobile

Security Tips

Take care of your financial security by following a few simple rules when using your card.

On Internet payments

On payments at POS terminals

On cash withdrawals at ATMs

When travelling

Credit Card Mastercard Business Credit