Any UBB customer can earn EUR 45 per invited friend of theirs, who has met the campaign criteria. This is the rounded up and converted in euro amount for a referral under the Invite a Friend to UBB and Win programme, offered by the Bulgarian banking sector leader in terms of net assets.

There is an invaluable helpmate for implementing the programme - Kate - being the most popular and interactive digital banking assistant in this country. She would provide the referring customer with a unique code that can be used for unlimited number of referrals. Thus, the referring person may simultaneously do some good to his/her close ones and friends and earn a sum that would give him/her more budget freedom in the month when we celebrate spring and Mother’s Day.

Referring your friends to UBB will give them a chance to join the big family of a banking institution, triggering respect with its positive attitude to customers, widely spread network of branches and ATMs, being a leader in innovations and in digitalization and having a rich product portfolio. The partnership with UBB provides preferential access to both the products of the biggest banking and insurance group in this country, and services linked to mobility, quality of life and housing.

In order for the referral to come into effect, the recommended person should become a customer of UBB remotely, using UBB Mobile – the banking app, which more than 1 million customers rely on, with a rating of  4.7 in Google Play and 4.7 in App Store - by opening a standard current account or a package, or by requesting a debit or a credit card from UBB, as well as by effecting at least 1 transaction with the card of minimum value EUR 10/ BGN 19.56. The registration with UBB Mobile and the issuance of a bank card is free of charge, and the account will be exempt from maintenance fees over a 12-month period. The transaction can either be a payment at a commercial location, online payment and withdrawal from an ATM, and to complete the referral the person should share with Kate the referral code, sent to him/her by the referring one.

This campaign is open to all individuals of lawful age, who are UBB customers, holders of accounts with the bank and have registration in the UBB Mobile app. The complete Terms and Conditions of the Campaign are available on the dedicated webpage in the UBB website, accessible here, and you can also ask about them our digital assistant Kate.

UBB is the digital leader in the Bulgarian banking sector. In 2025 UBB Mobile welcomed its One Millionth customer, and the number of Bulgarian citizens, using the most popular banking app in this country continues to grow. The digital assistant Kate, who turned 4 years of age in February, has already serviced in her lifetime more than 800 000 unique customers. Kate is an invaluable assistant upon the payment of utility bills, vignette purchase, consumer loans info, leasing and others. It is for her achievements in the innovations domain that the prestigious magazine Global Finance has singled out UBB as the Best Innovative Bank and the Best Digital Bank for Customers in Bulgaria over 2025. The Bank was awarded the Digital Transformation and the Best Active Digital Product prize for voice-initiated fund transfers through the AI-based digital assistant Kate at the Bank of the Year contest, and others.