Importers and exporters in Bulgaria need an account that handles several currencies and cross border payments at a fair cost. Wise Business, Revolut Business and Payoneer accept Bulgarian registered trading businesses, while a traditional bank is often needed for trade finance.
Suits Importers and Exporters best
Wise Business for multi currency payments, Revolut Business for cards and controls
Typical monthly fee
EUR 0 to about EUR 30 a month depending on plan
Non resident position
Possible. Digital providers can open remotely, while traditional banks ask for an in person visit and a one time KYC fee. Verify with the provider.
Providers that fit
3 providers commonly fit, plus traditional banks for trade finance
Fees and features as of 18 January 2026Last reviewed 18 January 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Importers and exporters in Bulgaria pay suppliers and receive from customers across borders, often in several currencies, and they care about foreign exchange cost and speed. A multi currency account covers payments, while letters of credit and trade finance usually come from a traditional bank. Fees and features below are shown as of 18 January 2026, so confirm current terms with the provider before applying.
What Importers and Exporters in Bulgaria need from a business account
Trading businesses move money across borders, hold several currencies, and want low foreign exchange cost and clear payment tracking. Bulgaria is in the euro area and SEPA, which makes euro trade easy, but trade with non euro markets needs good currency handling. Letters of credit, documentary collections and trade finance generally require a traditional bank, so many traders combine a neobank for payments with a bank for trade services.
W
Wise Business
Holds and converts many currencies at the mid market rate with local account details for receiving foreign payments. No trade finance.
Compare accounts for Importers and Exporters in Bulgaria
These providers accept Importers and Exporters in Bulgaria. Fees and eligibility shown as of 18 January 2026. Confirm current terms with the provider before applying.
Questions about banking for Importers and Exporters in Bulgaria
What is the best account for an importer or exporter in Bulgaria?
It depends on your markets. Wise Business and Revolut Business handle multi currency payments at a fair cost, and Payoneer helps collect from international customers. For letters of credit and trade finance you usually need a traditional bank. Compare the features you use and verify current terms with the provider. This is general information, not advice.
Can a trading business hold several currencies in Bulgaria?
Yes. Wise Business and Revolut Business let a business hold and convert several currencies, which helps when buying and selling outside the euro area. Supported currencies and conversion costs vary by provider and plan, so verify current terms before applying.
Where can a Bulgarian trader get a letter of credit?
Trade finance such as letters of credit and documentary collections is generally provided by traditional banks rather than neobanks. Bulgarian banks offer these services to business customers subject to assessment, so confirm availability and terms with the bank. This is general information, not advice.
What currency are trading accounts in Bulgaria held in?
The euro by default. Bulgaria adopted the euro on 1 January 2026, and multi currency providers also let you hold other currencies for trade with non euro markets. Confirm current terms with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 18 January 2026. Confirm current terms with the provider before applying.