In connection with the changeover to the euro on 1 January 2026, UBB is taking all necessary technical and organisational measures for a smooth and secure switchover of its payment systems.

The changeover will cover all channels and services, including:

• POS terminals
• Virtual POS terminals
• ATMS
   

The systems will be gradually adapted and tested so that customers and trading partners can make payments and transactions without difficulties after the introduction of the euro.

A technical outage of the systems is planned from 21:00 on 31.12.2025 until 01:00 on 01.01.2026, during this period Physical, Virtual POS Terminals and ATMs will not be operational.

UBB recommends its customers and merchants to plan their transactions in advance.

Detailed information, instruction and actions you must necessarily follow:

Physical POS:

1. POS terminals will be temporarily closed from 21:00 on 31.12.2025 to 01:00 on 01.01.2026.

• On your last working day, the terminal must send an automatic daily report.If necessary, sending the transaction file can also be done manually by a responsible employee at the facility.
• If your last business day is 12/31/2025, you must send the daily report manually no later than 8:45 p.m. on that day.
   

No transactions will be accepted after the report is submitted until the Bank's systems are fully restored after 1:00 a.m. on 01/01/2026.

It is mandatory that the POS terminals remain connected to the power supply after the last working day.

This is necessary both to ensure that the daily statements can be sent automatically and that the new euro parameters can be received after 01.01.2026.

In the event that the steps above cannot be completed and you experience difficulties in the process of manually sending a file before and after the Euro conversion, assistance can be obtained from the Bank's Contact Centre on 0700 117 17 (option 4 for merchants with POS).

Please ensure that all reporting procedures are completed in a timely manner to ensure a smooth transition to working with the single European currency.

Detailed instructions here:  

2. As of 01.01.2026 there will be no technical possibility to process refunds of cardholder transactions made via POS terminal in BGN.

Thank you for your cooperation and commitment in this process and we apologize for any inconvenience.

Please take the necessary internal actions to ensure timely submission of requests.

Virtual POS :

We would like to notify you of a necessary update to your virtual POS terminals:

• For the Borica platform: For a smooth acceptance of card payments on your sites under the new currency, you need to change the currency from ''BGN'' to ''EUR'' in the payment request field of your virtual POS. No other changes are necessary.
• For the UPC platform: To accept card payments on your sites in the new currency, you need to change the currency from ''975'' to ''978'' in the ''Currency'' field of your virtual POS payment request. No other changes are necessary.

Please make the change after 00:00 on 01.01.2026 in order to accept payments on your virtual POS terminal after the introduction of the Euro.

⚠️ Important:

If the change is not made, the system will not allow accepting payments after the introduction of the euro as the official currency of the Republic of Bulgaria.

For your convenience, we can provide test parameters of the VOPS, in EUR currency.

In case you are using ready-made payment modules and platforms, please contact a representative of the respective platform and specify the way in which the update of the respective module will be made.

If you have any questions, difficulties or wish to perform tests, you can contact our technical department by email: POS_SUPPORT@UBB.BG

Our team is available to assist you.

ATM:

In the period from 01.01.2026 to 31.01.2026 ATM devices will only be able to be deposited in BGN, withdrawals will only be made in EUR.

As of 01.02.2026, all ATM deposit and withdrawal operations will be carried out entirely in euro.

The Bank follows all the requirements related to the changeover process and remains available to assist you if necessary.