Overdraft | UBB | United Bulgarian Bank

Exchange rates

as of 31/10/2025 08:26:16

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

1.73900

1.73900

Buying rate

1.65100

1.65100

BNB fixing

1.69277

Cash payment

Non-cash payment

Selling rate

2.28900

2.28900

Buying rate

2.15300

2.15300

BNB fixing

2.21850

Cash payment

Non-cash payment

Selling rate

2.15600

2.15600

Buying rate

2.05700

2.05700

BNB fixing

2.10599

Overdraft

Overdraft

UBB Overdraft provides you with a flexible form of a loan for using additional funds on your current account up to a pre-agreed limit. It is a fast and easy way to use an amount in excess of your account balance.

Advantages

No application fee
Amount, tailored to your needs

Currency

BGN

Tenor

Up to 1 year

Amount

Up to BGN 20 000 - overdraft, secured with payroll or pension income

Up to BGN 200 000 - overdraft, secured with cash funds

Example

APR 12.57% for a new overdraft of BGN 6 000 over a period of 12 months, variable annual interest rate 11.40% (RIR* + 11.39 % fixed margin) calculated for the entire period, including а loan account monthly maintenance fee – BGN 2.5/EUR 1.28. Total amount due: BGN 6,714/EUR 3,432.81. *The interest rate has been calculated upon UBB’s RIR of 0.01%.

Parameters

Interest Rate	11.4% variable interest rate (RIR* 0.01% + margin of 11.39 percent) - pledge of future account receivables from all proceeds in the account 5.8% variable intereat rate (RIR*0.01% + fixed margin of 5.79%) pledge of cash funds - deposit in BGN, EUR, USD
Tenor	12 months with an automatic renewal option
Minimum Amount	BGN 400
Maximum Amount	up to BGN 20 000 up to BGN 200 000 - for overdraft, secured with cash funds
Collateral	Pledge of future receivables - all proceeds in the account, to which the overdraft is granted Pledge of future receivables in an account
Loan Account Maintenance Fee	BGN 2.50/EUR 1.28 per month
Minimum Age	20 years
Maximum Age	65 years

Required documents

ID document
Loan Application

Useful documents

Tariff for Fees and Commissions for Individuals INTEREST RATES TARIFF FOR ACCOUNTS OF INDIVIDUALS Methodology for calculation and aplication of RIR Retail in effect as form 07.04.2023 Current RIR values according to the Methodology for calculation of the reference interest rate of UBB ad for loans to individuals in effect as from 07.04.2023 Обща информация за реда и условията за предоставяне на потребителски кредити

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