Business account fees in Bulgaria

What business accounts cost in Bulgaria

A Bulgarian business account fee usually has several parts: a monthly maintenance or package fee, per transaction fees for transfers and direct debits, card fees, cash deposit and withdrawal fees, and currency conversion costs on payments outside the euro. Traditional banks tend to bundle a set of services into the monthly fee and charge for extras, and several apply a one time review or onboarding fee for corporate accounts, more commonly for foreign owned companies. Digital providers tend to advertise a low headline fee and charge for items such as cash handling or transfers beyond a monthly allowance.

Monthly maintenance fees

Monthly maintenance at traditional banks commonly falls in the range of about EUR 2 to EUR 18 a month depending on the bank and package, with UniCredit Bulbank, DSK Bank and Postbank among the common choices, as of 8 January 2026. Digital providers publish lower headline fees, with Revolut Business and Wise Business offering plans at no monthly fee for smaller users and paid plans for more features. Confirm current figures with the provider, since pricing changes.

Transaction, card and one time fees

Beyond the monthly fee, watch the per item charges. SEPA transfers and direct debits may be included up to an allowance, then priced per item. A business debit card may be included or charged separately, and extra cards usually cost more. Cash deposits and withdrawals often carry a fee at traditional banks and may be limited at digital providers. Several traditional banks also charge a one time review fee of roughly EUR 100 to EUR 500 on corporate accounts, more often for foreign owned companies. Foreign currency payments add a conversion cost, which multi currency providers such as Wise Business price close to the mid market rate. Read each price list for the current figures.

Fees to check before you open

Look at these fee items before you commit, because the cheapest headline price is not always the cheapest overall. Verify with the provider, as of 8 January 2026

• Monthly maintenance or package fee, and what it includes. Traditional banks commonly fall in the range of about EUR 2 to EUR 18 a month, while digital plans from Revolut Business and Wise Business start at no monthly fee for smaller users.
• Transfer, direct debit and card fees, plus any allowance of free transactions before charges begin, since plans differ widely in what counts as free.
• One time review or onboarding fees, cash deposit and withdrawal fees, and currency conversion costs. Some corporate or foreign owned accounts carry a one time review fee of about EUR 100 to EUR 500. Verify current figures with the provider.

How to compare fees

1. List the transactions your business makes in a typical month: transfers, card payments, cash, and any foreign currency. This is the basis for a fair comparison.
2. Read each provider price list and total the monthly fee plus the per item charges for your usage, and add any one time review fee that applies at opening.
3. Check the cost of the items you use most, such as foreign payments or cash handling, since these often outweigh the headline monthly fee. Confirm the current schedule with the provider before opening.