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+3592 483 1717

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Fees and terms

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Exchange rates

Exchange rates

as of 09/04/2020 17:02:23

Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Cash payment
Non-cash payment
Selling rate
Buying rate
BNB fixing
Golden age consumer loan

Golden age consumer loan

Consumer loan for clients, entitled to a personal pension. Easy application procedure, attractive terms and conditions, and loan amount of up to BGN 10 000.


  • No Application Fee
  • Easy application procedure
  • Еspecially for clients, entitled to a personal pension
Currency BGN
Tenor Up to 7 years
Amount Up to BGN 10 000
Interest rate 6.80%


Upon calculating an APR of 9.80% it has been assumed that a loan with amount of BGN 5 000, tenor of 60 months and variable interest rate of 6.8% (RIR* + 6.6 % fixed margin) has been immediately and fully utilized. The interest and the stated costs will remain unchanged against their initial amount and will be applied until expiry of the specified period. The calculated Credit Assessment Fee equals BGN 60 and the monthly maintenance fee for servicing a Privilege Current Account equals BGN 0.90, while the monthly premium under a concluded Life Insurance policy - BGN 4.04. The total amount due will be BGN 6268.49 with equal monthly installments in the amount of BGN 98.53.* The interest rate has been calculated upon UBB’s RIR of 0.2%.


Interest Rate

6.80% (RIR 0.2% + margin of 6.6 percent)

Minimum Tenor 6 months
Maximum Tenor 7 years
Minimum Amount
BGN 500
Maximum Amount up to BGN 10 000
Collateral No collateral,
Application Fee No fee
Credit Assessment Fee According to the Fees and Commissions’ Tariff for Individuals
Fee for a Privilege Account, Servicing the Loan BGN 0.90 per month
Borrower's Age

Up to 75 years as of the date of full repayment of the loan, depending on the amount in case of a loan up to BGN 5 000

70 years as of the date of full repayment of the loan, in case of a loan up to BGN 10 000

Requirement for Personal Pension Entitlement as per the Social Security Code

Concerning insurance record and age


Equal monthly annuity installments

Life Insurance

Conclusion of a Life Insurance policy is mandatory for the loan tenor at the expense of the Borrower, as the insurer may be chosen by the client, under conditions, determined by the Bank.


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Life Insurance to consumer loans

The Loan Protection insurance program is a parameter of consumer loans, providing insurance protection to UBB borrowers.

Visa Debit and Debit Mastercard debit cards

Enable you to pay in a convenient and fast way without waiting, wasting time or fumbling for cash

Comfort For Home insurance

Provides you with comprehensive protection for your home and household property

Ubb mobile

With UBB Mobile
you bank on the go

Easy, quick and secure

UBB Mobile is a specialized application for mobile devices – mobile phones and tablets with operational system Android and iOS.

Learn more