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.

UBB credit cards of Visa Gold and MasterCard Gold brands

Credit Cards of Visa Gold and MasterCard Gold brands from UBB - a golden opportunity to combine safety, convenience and prestige into one.

Advantages of UBB gold credit cards

UBB Gold Credit Card is a symbol of high standard and a guarantee that any time you wish to combine travel and purchases, or when you are having an important business dinner, or you are on a family vacation, or you want to impress the people around, or bring joy into the life of your beloved ones, you will get simply and solely the best:  
UBB Gold Credit Card (Visa Gold or MasterCard Gold) is a special card also because:

  • it goes with additional preferential conditions and you have the opportunity to make the most of various special proposals.
  • You obtain Mastercard and VISA-enabled preferential terms when travelling abroad at world-famous hotel chains, rent-a-car companies, bars and restaurants etc. by Mastercard and by VISA.
  • it is a reliable travel companion with a special free-of-charge Travel Abroad insurance and no fee for purchases worldwide.
  • it enables your participation in the UWIN bonus-based loyalty program;
  • UBB offers modern on-line services to its cardholders through the Bank’s UPAY gateway at www.ubbpay.bg.
  • 50% discount from the standard annual maintenance fee for the following year to all clients, actively using their cards.*

 *Discount from the annual fee for the next year will be available for all clients, who have made a minimum of 24 purchases during the period between accrual of 2 annual fees and have no past due payables.

Special offers

Take advantage of our special offers for discounts as a holder of Gold Credit Cards VISA and MasterCard® from UBB!

  • TIMELAND - 15 %*
  • EUROOPTIC - 22 %*
  • OPTICLASA - 20 %*

* Discounts will be made available at the merchant’s locations and will be applicable only to regularly priced products. The offer excludes seasonal sale campaigns or combinations of other discounts and promotions.

Find out more offers by MasterCard®Visa.


Insurance under the UBB Gold Credit Card

Since UBB Gold credit card has been created to meet the highest of your requirements, especially to gold cardholders UBB offers gratuitous  Travel Abroad and Bank Card and Documents insurance package with a wide range of the insurance cover.

Insurance Coverage Insurance Benefit
Medical expenses due to an accident or acute illness30 000 EUR
Expenses for medical transportation and repatriationunlimited
Expenses for emergency dental treatment300 EUR
Organising an emergency visit of a relative if the Insured is hospitalised for more than 7 daysexpenses for a round-trip air ticket (tourist class)
Repatriation of minorscosts of return to Bulgaria
Death due to an accident occurring abroad25 000 EUR
Permanent disability due to an accident25 000 EUR
Supply of medicinesunlimited
Transmission of urgent messagesunlimited
Unforeseen return of the Insured to Bulgariareturn costs by air or train
Delay of flight for more than 6 hours160 EUR
Baggage searchunlimited
Loss of luggage500 EUR
Legal assistance2 000 EUR
Advance payment in case of impossibility to use credit card1 500 EUR
Gold Protection InsuranceAmount
Lost/Stolen Card Abuse300 BGN per card
Documents and/or keys lost/stolen with the card150 BGN aggregate per card
Purchase protection1 000 BGN aggregate per card

Product parameters



Validity Period

2 years




  • Minimum credit limit BGN 5 000
  • Maximum credit limit BGN 20 000

Interest rate

  • 15.90%  - upon purchase
  • 15.90% - upon cash withdrawal*

*Annual Percentage Rate: 25.57  calculated upon:

1) a credit limit of BGN 10 000, fully drawn down through a cash withdrawal at UBB ATMs upon annual interest rate of 15,90%;

2) payment instrument annual maintenance fee BGN 120;

3) loan period: 12 months;

4) Total amount due by the client: BGN 11 242.03

Transaction Limits

  • Purchases – 100% of the approved credit limit amount
  • Cash withdrawal – standard limit, equaling 50% of the approved credit limit amount.
  • Number of transactions – 50 per week

Liability Repayment Period

24 days after the account statement date


  • Automatically from an account (an account in BGN, opened with UBB);
  • Through a fund transfer from an account at a bank’s branch or through UBB online banking;
  • Through cash installments at a branch or at specific UBB ATMs;
  • Via the Call Center - 0700 117 17;


Replacement of credit cards, issued by CIBANK

Dear clients,

After the legal merger of CIBANK JSC (CIBANK) into United Bulgarian Bank AD (UBB) at the beginning of 2018 we continue along the integration road with new products and services, tailored to your needs and aimed to ensure fast, easy, convenient and secure banking with even more options.

To this end we would like to inform you that with effect from 16 September 2019 UBB is going you offer you a new revolving credit card of the Mastercard® brand. You will be able to replace with it your existing credit card, issued by CIBANK and take advantage of the new card’s beneficial terms and improved functionalities. The amount of the provided to you credit limit under the CIBANK card will remain the same.

More details about the terms and conditions and the replacement process are contained in a personal letter, which we will send to your mailing address, provided to the Bank. You could also obtain additional information from UBB’s Contact Centre at 0 700 117 17 or *7171 (for mobile operator subscribers);

To make it easier for you your new credit card will be issued in advance, as you may receive it and respectively sign the needed documents after 16 September 2019 at your servicing branch. Additionally, UBB is going to send an SMS notification to the mobile phone number, stated by you.

Please, note that the credit card, issued by CIBANK, will be active until 17.11.2019. If you do not wish to use the opportunities, offered by the new revolving Mastercard-branded credit card from UBB you may continue servicing your obligations as agreed in your contract with CIBANK. However, you will not be able to effect operations with the card and the drawdown of additional amounts from the credit limit will be discontinued.
If as of 18.11.2019 you have no obligations on your credit card issued by CIBANK, it will be deactivated and closed.

UBB Team

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
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