Please read this License Agreement ("Agreement") carefully before clicking the "I Accept the Terms & Conditions" button.

By clicking the "I Accept the Terms & Conditions" button, you are agreeing to be bound by the terms and conditions of this Agreement to use the APIs in the Sandbox.

If you do not agree to the terms of this Agreement, do not click on the "I Accept the Terms & Conditions" button and do not add the API to the list of APIs your application will access.

1. Definitions

When used in this Agreement with the initial letters capitalized, in addition to the terms defined elsewhere in this Agreement, the following terms have the following meanings:

∙ API means the UNITED BULGARIAN BANK’S (UBB) application programming interface;

∙ Intellectual Property Rights means all patents, copyright and related rights, trademarks, logo, service marks, trade, design rights, business and domain names, rights in trade dress or get-up, rights in goodwill or to sue for passing off, rights in designs, database rights, rights in confidential information (including know-how and trade secrets) and any other intellectual property rights, in each case whether registered or unregistered and including all applications for, and renewals or extensions of, such rights, and all similar or equivalent rights or forms of protection in any part of the world.

∙ Sandbox is the software testing environment that enables the isolated execution of software or programs for independent evaluation, monitoring or testing. 

2. License

UBB grants you a limited,  non-transferable, non-exclusive, as-is, non sub licensable license

to use the API for the sole purpose of developing and testing your applications.

3. Restrictions

You shall not- 

∙ change or delete any copyright, trademark, tradename or other proprietary notices, legends, symbols, or labels appearing on or in the API;

∙ Disclose, share  or divulge any of the API specifications to any third party;

∙ Represent in any way that your application is approved, recommended or endorsed by us;

∙ Disable, or by pass any security protocols or measures or technical limitations of the APIs; 

∙ Modify, decompile, reverse engineer or otherwise alter the APIs;

∙ Participate or engage in any activity which restricts, hinders, impedes, interrupts or harms the API in any way or permits unauthorised access to the API;

∙ Use the API and the content thereon for any purpose other than those expressly permitted by these Terms of Use

UBB reserves the right to modify, suspend or discontinue, temporarily or permanently, the APIs, with or without notice and without liability to you.

4. Intellectual Property

Intellectual Property Rights 

4.1 We retain all Intellectual Property Rights with respect to UBB API’s,  including content and documentation and these may not be copied, transmitted or reproduced without our  prior consent. All Intellectual Property Rights and other rights in connection with the Portal  (including without limitation, information, graphics, software, text, sounds, images, trade marks, service marks, trade names and logos) are vested in us or our licensors.   You agree that you shall not obtain any Intellectual Property Rights, title or interest in the Portal other than in accordance with these Terms of Use.

4.2  You undertake not to do anything which would bring UBB or any of it trademarks, trade names, logos, or branding into disrepute or harm the reputation and goodwill of UBB.

4.3 You acknowledge and agree that we may independently develop or create applications, content or other services or products that may be similar to and/or compete with your applications and nothing in these Terms of Use shall prevent us from exploiting any such commercial opportunities.

5. Term and Termination

This Agreement shall remain in effect until terminated by you or UBB. 

UBB may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from UBB, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the Application on our API.

Upon termination of this Agreement, you shall cease all use of the APIs on the Sandbox.

6. Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

7. Amendments to this Agreement

UBB reserves the right, at its sole discretion, to modify or replace this Agreement at any time. What constitutes a material change will be determined at our sole discretion.

8. Applicable law and jurisdiction

The provisions of the Bulgarian law shall apply to this Agreement. Disputes betwen UBB and you related to, or arising from this Agreement shall, unless settled amicably between UBB and you, be brought for resolution before the competent Bulgarian court in Sofia, Bulgaria.

Contactless Debit Cards

Enjoy the convenience of payments with your new contactless Debit Mastercard® and Visa Debit by UBB!


Fast, convenient and secure – you pay faster and queue less. No fumbling for cash or waiting for your change.

  • Debit Mastercard and Visa Debit are debit cards of a higher class and cover all standard payment and cash withdrawal methods, as well as the new contactless payment ones.
  • These cards allow easy, fast and secure payments when shopping at various commercial locations.
  • The new contactless payment functionality is extremely handy when paying at shops, restaurants, petrol stations and at various other sites.
  • You use the most convenient payment instrument in both this country and abroad, as well as via Internet.
  • The main advantage of  Debit Mastercard and Visa Debit cards is that they could be used for hotel bookings, renting cars, buying airplane tickets and other operations, previously accessible through credit cards only.
  • UBB provides the new cards with an online application option. (https://ebb.ubb.bg)


Convenience and control

The convenience of contactless payments ensues from the fact that the card is always in your hands, thus enhancing your control while shopping.

  • Contactless payments are effected through cards, designated with the symbol .
  • Contactless payments of small and larger amounts can be made at POS terminals in Bulgaria and abroad, bearing any of the following symbols for accepting this type of transactions.


  • All you have to do is inform the merchant that you will make a contactless payment and then approach and hold the card close to the device until the terminal confirms the payment via a sound or light signal.  
  • A PIN code should be entered, if required by the terminal.
  • POS-terminals without contactless technology enable standard payments


Terms and conditions

  • No fee for payments in Bulgaria and abroad;
  • No issuing fee;

  • Option for cash deposits at specific UBB ATMs.

  • Option for payment of utility bills with the card and free-of-charge and easy access to your monthly account history on the bank’s e-gateway UPAY at www.ubbpay.bg

  • Option for additional free-of-charge protection of payments via Internet by activating the UBB 3-D Secure service: “Secure Card Payments in the Internet”.



  • Chip card – higher level of protection
  • Option for additional free-of-charge protection of payments via Internet by activating the UBB 3-D Secure service: “Secure Card Payments in the Internet”.
  • Option for obtaining Full Protection insurance.
  • In case the card is lost or stolen, you can block it immediately by calling UBB Call Center 24/7 at +359/ 0700 11717 and *7171 for Bulgarian mobile carriers.
  • Individual UBB online banking clients are able to control the status of their bankcards, by either blocking or activating them in real time, free of charge, while using the especially designed functionality in Cards menu.
Or give us a call
0700 117 17
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
For local and international calls
Other proposals
Premium debit cards

Special care and prestige, which you can enjoy at any time.

Visa and MasterCard Cash back

VISA and MasterCard Cash Back Service allows you to get a fast and easy access to cash.

UBB 3D Secure: Secure card payment in Internet

We invest in your security! We are pleased to present to you our service for secure card payments in the Internet

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