SaaS and software companies in Bulgaria are usually best served by a euro account that handles subscription revenue in several currencies and gives the team cards and clean exports for bookkeeping. Wise Business and Revolut Business accept Bulgarian registered companies, and a traditional bank handles the capital account at registration.
Suits SaaS best
Wise Business for multi currency billing, Revolut Business for team cards and integrations
Typical monthly fee
EUR 0 on entry digital plans, up to about EUR 30 a month on richer plans
Non resident position
Possible. Digital providers can open remotely, while traditional banks ask for documents and may charge a one time review fee. Verify with the provider.
Providers that fit
2 digital providers commonly fit, plus traditional banks
Fees and features as of 29 December 2025Last reviewed 29 December 2025
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
SaaS and software companies in Bulgaria collect recurring revenue, often in several currencies, pay cloud and tooling bills abroad, and run card spending across a team. A euro account in SEPA covers the core, and a multi currency account helps when customers and a payment processor settle in other currencies. Figures below are shown as of 29 December 2025, so confirm current terms with the provider before applying.
What SaaS and Software companies in Bulgaria need from a business account
Software companies receive subscription and one off payments, often through a payment processor that settles into a nominated account, and they pay recurring bills for cloud hosting, software and contractors abroad. They also issue cards to staff and need transactions that export cleanly to accounting tools. Bulgaria is in the euro area and SEPA, so euro flows are cheap and fast, and the main differences between providers are foreign exchange cost, card and expense tooling, and integrations.
W
Wise Business
Multi currency account that receives customer and processor payments in many currencies at the mid market rate, with clean exports. No cash deposits and limited lending.
All in one account with team cards, spending limits and accounting integrations. Remote opening for Bulgarian companies. Cash deposits are not supported.
Receiving accounts that collect from marketplaces and platforms in several currencies. Useful as a secondary collection account for app store or marketplace revenue.
Best for
Marketplace and platform payouts
Monthly fee
No monthly fee, transaction and withdrawal fees apply
Compare accounts for SaaS and Software in Bulgaria
These providers accept SaaS and software companies in Bulgaria. Fees and eligibility shown as of 29 December 2025. Confirm current terms with the provider before applying.
Questions about banking for SaaS and Software in Bulgaria
Which account suits a SaaS company in Bulgaria best?
It depends on how you collect revenue. Wise Business suits companies billing customers in several currencies, Revolut Business suits teams that want cards, spending controls and accounting integrations, and a traditional bank such as UniCredit Bulbank handles the capital account at registration and local needs. Compare the features you use and verify current terms with the provider. This is general information, not advice.
Can a Bulgarian SaaS company collect subscription payments in many currencies?
Yes. A multi currency account from Wise Business or Revolut Business lets you hold and convert several currencies, which helps when customers pay from outside the euro area. Payment processors such as your checkout provider settle into the account you nominate. Currencies covered and conversion costs vary by provider and plan, so verify current terms with the provider.
Do SaaS companies in Bulgaria still need a traditional bank?
Often yes for part of the setup. A licensed bank is needed for the capital accumulation account when forming the company, and can help with lending or local payroll. Many SaaS companies then run day to day banking and foreign billing through a digital provider. Confirm what your situation requires with the provider.
What currency are SaaS business accounts in Bulgaria held in?
The euro. Bulgaria adopted the euro on 1 January 2026 at the fixed rate of 1.95583 lev per euro, and the euro became the sole currency on 1 February 2026, so new business accounts are held in euro. Confirm current terms with the provider.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 29 December 2025. Confirm current terms with the provider before applying.