Free business accounts in Bulgaria

What free means on a Bulgarian business account

No monthly fee is a real saving, but it describes the maintenance charge only. Digital providers fund a free entry plan by charging for usage above set allowances, so the price you actually pay depends on how many transfers you make, how many cards you need, whether you handle cash, and how much you convert between currencies. A no monthly fee plan can be the cheapest option for a light user and more expensive than a paid plan for a heavy user, which is why totalling the charges for your own month matters more than the headline.

Where to find no monthly fee plans

Among digital providers, Revolut Business and Wise Business advertise an entry plan with no monthly fee for smaller users, with paid plans that add features and higher allowances. Payoneer offers receiving accounts with no monthly fee, priced through transaction and withdrawal charges. Traditional banks such as UniCredit Bulbank, DSK Bank and Postbank generally charge a monthly maintenance fee, commonly about EUR 2 to EUR 18 a month, though some run promotions that waive the fee for an introductory period. Confirm current terms with the provider.

What still costs money

On a no monthly fee plan, watch for transfers beyond the included allowance, additional or physical cards, ATM withdrawals above a limit, cash deposits and withdrawals, and currency conversion on payments outside the euro. Multi currency providers such as Wise Business price conversion close to the mid market rate, while others add a margin. Read each price list and add the items you use, since the cheapest headline is not always the cheapest overall.

Checks before you pick a free account

Before choosing a no monthly fee account, confirm these points so the free label matches your usage. Verify with the provider, as of 4 March 2026

• The monthly allowance of free transfers and cards, and the charge once you pass it.
• Cash handling and ATM limits, and currency conversion costs on payments outside the euro.
• Whether the provider accepts your legal form and activity, and any one time review fee at opening for corporate or foreign owned accounts.

How to compare free accounts

1. Write down your typical monthly activity: number of transfers, cards, cash use and foreign currency payments.
2. For each no monthly fee plan, total the charges that apply to that activity, not just the headline of no monthly fee.
3. Compare that total against a paid plan with higher allowances, since a paid plan can be cheaper for heavier use. Confirm the current schedule with the provider before opening.