BulgariaEUREuro
As of January 1, 2026, Bulgaria has switched to the euro (EUR). Before that, the Bulgarian lev (BGN) was pegged to EUR at a fixed rate of 1 EUR = 1.95583 BGN since 1997. The list of required documents and the possibility of crediting depend on the bank and compliance verification. The Bulgarian Black Sea coast and Bulgaria as a whole are popular destinations for property owners. Commission from 0.9%.
The route, the receiving bank and the payout amount are agreed before payment.
The Bulgarian Black Sea coast remains a popular destination for property owners: apartments and houses in Varna, Burgas, and Nessebar require regular payment of utilities, property maintenance, and taxes. Some owners have moved to Bulgaria permanently, while others visit seasonally — in both cases there is a continuing need for regular transfers from Russia to maintain properties and support relatives. Bulgaria is a member of the EU, and as of January 1, 2026, officially became part of the eurozone and switched to the euro (EUR). Before that, the national currency was the Bulgarian lev (BGN), which was pegged to the euro at a fixed rate of 1 EUR = 1.95583 BGN; this fixed rate was used for the transition to the euro. ATM24 makes transfers to Bulgaria through available international routes, including SWIFT, with EUR credited to a Bulgarian bank account or card. The Bulgarian IBAN starts with BG and contains 22 characters. Credit via SWIFT takes approximately 3 to 7 business days after confirmation of the ATM24 application. UniCredit Bulbank, DSK Bank, and First Investment Bank (Fibank) work with international SWIFT transfers; however, the ability to receive a specific payment related to Russia depends on the bank, route, and compliance verification. For large transfers, the bank may request documents proving the origin of funds and the purpose of payment.
Bulgaria's payment ecosystem: banks, cards and international transfers. Country — Bulgaria. Receiving currency — EUR (euro). Sending currency — RUB, USDT and other available currencies. Transfer method — Visa and Mastercard bank card, bank account with IBAN BG or cash EUR. ATM24 commission — from 0.9%. Response to application — within 15 minutes.
Bulgaria's payment ecosystem: main payment systems and services. BORICA — Bulgaria's national payment infrastructure, through which interbank card operations within the country are processed; settlements are integrated with the European TARGET system. Blink — BORICA's instant payment system, allowing P2P transfers, including by mobile phone number, through participating bank applications. In 2026, over 1.3 million people in Bulgaria use the blink P2P service. ePay.bg — Bulgarian payment system for online payments and purchase of goods and services using a bank account or card. Revolut is widely used in Bulgaria as a digital financial service for payments and international transfers; however, the ability to receive a specific SWIFT transfer depends on the account details, country of origin, and compliance requirements. As of January 1, 2026, Bulgaria's national currency is the euro (EUR); the Bulgarian lev (BGN) was replaced at the fixed rate of 1 EUR = 1.95583 BGN. Financial regulator — Българска народна банка (Bulgarian National Bank, BNB), Bulgaria's central bank and participant in the Eurosystem. Banks typically operate Monday–Friday roughly from 9:00 to 17:00; some branches in shopping centers may have longer hours. For transfers from Russia, direct SEPA transfer from Russian bank details is not available, so available international routes, including SWIFT, are used.
Visa and Mastercard from UniCredit Bulbank, DSK Bank, Fibank, Postbank (Eurobank), UBB and others. You need 16 card digits and the recipient's full name in Latin characters exactly as shown in documents. The list of required documents and the possibility of crediting depend on the bank and compliance verification
Bank account at UniCredit Bulbank, DSK Bank (OTP), Fibank, Postbank or another Bulgarian bank. IBAN: BG + 20 characters (22 total); also need the BIC/SWIFT code of the receiving bank. If the recipient has a EUR account at a Bulgarian bank — ATM24 sends EUR via SWIFT, without additional conversion
We provide EUR cash in major cities of Bulgaria — check pickup locations with your manager. The recipient comes with their passport and the ATM24 pickup code. Cash crediting — within a few minutes after application confirmation
For transfers to Bulgaria, ATM24 uses the SWIFT route through a correspondent network. Since January 2026, Bulgaria has switched to the euro (EUR). ATM24 fixes the RUB/EUR exchange rate before payment. An ATM24 manager verifies the route and receiving bank: UniCredit Bulbank and DSK Bank are reliable channels, Revolut Bulgaria is a fast alternative for recipients without a traditional account.
We accept RUB, USD and USDT — we pay out in EUR
RUB EUR
0.009257per 1 RUB
10 000 ₽ = 92.57 EURUSD EUR
0.8298per 1 USD
100 $ = 82.98 EURUSDT EUR
0.8298per 1 USDT
100 USDT = 82.98 EUR| You send | Payout in EUR |
|---|---|
| 100 USDT | 82.98 EUR |
| 300 USDT | 249 EUR |
| 500 USDT | 415 EUR |
| 1 000 USDT | 830 EUR |
| 5 000 USDT | 4 149 EUR |
Where recipients usually get the money in Bulgaria
Type: Commercial (UniCredit); SWIFT receipt: Accepts; Features: SWIFT code UNCRBGSF; Bulgaria's largest bank; stable SWIFT receipt from Russia
Type: Commercial (OTP Group); SWIFT receipt: Accepts; Features: SWIFT code STSABGSF; second largest; popular for individuals
Raiffeisen Bank Bulgaria — a bank focused on everyday accounts and card operations. The recipient should provide the exact details and payout currency.
UBB United Bulgarian Bank — a bank serving personal customers and small businesses. Its services typically include accounts, cards, branches, and digital banking.
Société Générale Bulgaria — a local bank with standard account and cash services. Transfer availability depends on the details, currency, and bank rules.
National currency
National currency is the euro (EUR): Bulgaria switched to the euro on January 1, 2026. Before that, the Bulgarian lev (BGN) was used, which was pegged to the euro at a fixed rate of 1 EUR = 1.95583 BGN; this same fixed rate was used for the transition to the euro.
Card systems
BORICA is Bulgaria's national payment infrastructure, used to process card and other cashless operations within the country.
Payment applications
Revolut and Wise (TransferWise) are popular among residents for international transfers. ePay is the national payment system for paying services. Apple Pay and Google Pay are supported by most banks.
Interbank transfers
Bulgaria has been in the eurozone since 2026. IBAN contains 22 characters: BG + 2 check digits + 4-letter bank code + 4 branch digits + 2 account type digits + 8 account digits. Transfers within SEPA go via SCT without correspondent chains. SWIFT is also available for transfers from outside SEPA.
Financial regulator
Bulgarian National Bank (БНБ / Balgarska Narodna Banka) — the central bank and financial regulator. With entry into the eurozone, the BNB operates within the European System of Central Banks (ESCB). Banks apply AML/KYC controls and may request documents for unusual transactions.
Features for ATM24
Bulgaria is part of SEPA, so transfers in EUR within the European payment zone go through SEPA; direct SEPA transfers from Russian bank details are not available.
With an ATM24 transfer the recipient gives their own bank and details, so the money lands directly on the account.
Three steps from request to payout
Fill in the form or write to us on WhatsApp or Telegram — a manager will check the available route
We check the recipient details and confirm the route, rate, fee and payout amount
Once paid, the transfer goes out along the agreed route — we report the status in the messenger
We verify the exact details when agreeing the available route before payment.
Facts, not promises
You see the rate, the fee and the payout amount before you send the money.
The route, rate, fee and payout amount are agreed before payment.
Reference cities with payout locations. Availability of a specific location is confirmed in the request.
Confirm the city before payment
Only methods present in both the country description and the current route are shown.
Real stories from real people
Yandex
Hello. I want to share positive emotions about working with this company. These are real professionals at their craft. I had difficulties exchanging money, manager Anna rescued me, helped exchange everything, consulted and monitored the whole process. I was very pleased with how they do their job. Great company, very customer-oriented. I recommend to everyone, you will be satisfied. They are 100% masters of their craft. Bravo.🫶
Read full reviewTrustpilot
I needed to quickly transfer money from country to country to myself. It was my first time dealing with this and I already thought it was impossible. Until I found this service. Thanks to manager Sofia, she did and explained everything quickly and clearly.
Read full reviewHelped a lot. Turned it off quickly. Thank you. Highly recommend
Read full reviewGreat service, exchanged rubles in Bangkok quickly and profitably, manager Stanislav is awesome
Read full reviewYandex
The reviews seem fake. Not a working company. Asked for an exchange. They've been ignoring me for a day already. Had to wait until the next day and go change at an exchange office.
Read full reviewYandex
Everything is excellent and fast, manager Alisa helped solve the problem, RUB->THB
Read full reviewYandex
Huge thanks to manager Alisa for the prompt and high-quality work.
Read full reviewWe agree the rate and the payout method before payment — pick where the money goes.
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Answers to popular questions about sending money to Bulgaria through ATM24
To send money to Bulgaria with payout in BGN through ATM24, start with the recipient's exact route for the Bulgaria BGN payout route. ATM24 confirms the amount, payment method, fee from 0.9%, timing from 15 minutes, and bank such as UniCredit Bulbank. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
The recipient can use a card or bank account for a BGN transfer to Bulgaria if that channel is available for the bank. Before payment, ATM24 checks UniCredit Bulbank, DSK Bank, card or account format, recipient name, and payout currency. International-card network availability is confirmed by route, not assumed for every bank. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
For bank payout in Bulgaria, useful BGN references include UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank). ATM24 treats the bank named by the recipient as the working route and checks recipient name, account data, and route availability. The sender pays after that bank route is confirmed.
For a BGN transfer to Bulgaria, ATM24 checks recipient details against the selected receiving route: Bulgaria BGN payout route, UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank), card payout, account payout, recipient name, BGN payout data, and different receiving rules for DSK Bank and Eurobank Bulgaria (Postbank). The manager verifies name spelling, bank or card format, payout currency, and payment purpose before payment. If the recipient changes the route, the required fields are checked again. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
Transfer timing to Bulgaria in BGN starts from 15 minutes when the bank, card, or account route is ready. ATM24 checks UniCredit Bulbank, DSK Bank, and any route limit before payment. If the receiving bank asks for clarification, processing can take longer. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
The ATM24 fee for sending money to Bulgaria with payout in BGN starts from 0.9% on the Bulgaria BGN payout route. The final calculation depends on the amount, payment currency, payout method, exchange rate, and the recipient's bank. If the sender pays by an international card or through a bank transfer, the card issuer or sending bank may charge its own foreign transaction, conversion, transfer, or dynamic currency conversion fee. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
Payment for a BGN transfer to Bulgaria can be arranged through an available sender method after ATM24 checks the receiving route. The check includes the Bulgaria BGN payout route, bank such as United Bulgarian Bank, fee from 0.9%, and exchange conditions. USDT network cost or card-issuer charges are confirmed separately. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
The minimum transfer amount to Bulgaria in BGN through ATM24 starts from 100 USD or the equivalent. The maximum amount is confirmed before payment and depends on the Bulgaria BGN payout route, sender payment method, bank, recipient details, and possible document requirements. If the recipient changes UniCredit Bulbank to another bank or switches from account to card, the limit should be checked again. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
Large transfers to Bulgaria in BGN are checked by amount, recipient route, and receiving bank. ATM24 reviews UniCredit Bulbank, Eurobank Bulgaria (Postbank), card or account payout, payment purpose, and source-of-funds information. Any document request is named before the sender pays. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
The estimated payout for sending 1000 USD to Bulgaria in BGN should be checked by route: the current result in the ATM24 calculator. ATM24 reviews UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank), card or account payout, fee from 0.9%, and exchange conditions. The manager confirms the final BGN amount in the order. Bank-route examples for Bulgaria: UniCredit Bulbank, DSK Bank, United Bulgarian Bank, Eurobank Bulgaria (Postbank), and First Investment Bank (Fibank).
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