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.

Energy Efficiency Consumer Loan

Dear clients,

Please, be informed that the new Residential Energy Efficiency Credit Line (REECL) programme of UBB  is valid until 24  July 2019.



Residential Energy Efficiency Credit Line creates an opportunity for households or an association of apartment owners throughout the country to benefit from energy efficiency advantages and obtain ad hoc loan and gratuitous financial aid enabling investments in energy saving technologies enhancing residential energy efficiency and reducing water heating or electricity costs. Loan is granted within residential energy efficiency programme launched by the European Bank for Reconstruction and Development.  



  • 15% grant with a loan on house-level (one or two family house)
  • 15% grant with a loan on multifamily building-level*

* Multifamily building is a building with minimum three individual dwellings.

Product parameters

Currency: BGN

Total amount: from BGN 500 up to BGN 55 000*


  • For amounts up to BGN 10 000 – maximum period of 5 years
  • For amounts from BGN 10 000 up to 35 000 – maximum period of 10 years
  • For amounts over BGN 35 000 - 7 years


Interest rates:

  • 7.5% fixed interest rate
  • Loan application fee – BGN 30.00
  • Credit assessment fee (payable once for the approved amount) - according to the current Fees and Commissions Tariff for Individual Clients
  • Fee for loan prepayment - according to the current Fees and Commissions Tariff for Individual Clients
  • Opportunity for activating the Loan Protection Life Insurance Program


Annual Percentage Rate:

(1)   Concerning a loan of BGN 20 000 over a period of 120 months, with a fixed interest rate of 7.500% - the Annual Percentage Rate (APR) is 8.49% for the entire period, fees included. Monthly instalment: BGN 237.40. Total amount due: BGN 29 068.42.

(2)   After payment of the 20% aid (at the end of the first month of the loan disbursement), the loan principal shall equal BGN 16 000, upon maintaining the 120-month tenor, respectively the remaining period shall be 119 months and the amount of the monthly instalment shall be BGN 191. with total due amount: BGN 23 306.06.


*For loans over BGN 35 000, a net income of more than BGN 1 200 is required. The maximum amount of the loan is determined on the basis of the client's individual profile, according to the Bank's requirements.


Main steps

How Can I apply for an Energy Efficiency Consumer Loan?

    • STEPS:

      Step 1:

      1. Choose equipment/materials/energy efficiency improvement activity for building retrofits or an investment loan for new builds energy class B+ or A
      2. Choose the supplying company
      3. Obtain a tentative offer/proforma invoice with a detailed description of the equipment.

      Step 2:

      1. Go to a UBB branch
      2. Fill in an application form for a loan under the Energy Efficiency Programme.
      3. Enclose:

      o    For building retrofits:

      • For houses - the original offer/ proforma invoice, issued, signed and stamped by the supplying company (the merchant), design/layout and Total Value of Construction Works.
      • For multifamily building – offer by eligible suppler, Resolution by the General Meeting of Apartment Owners, Record for cost distribution among apartment owners, conceptual design basis for the offer.

      o   For new builds

      • For houses and multifamily buildings – construction authorization, investment project, certificate of project’s energy parameters.

      Step 3:

      1. Within 5 business days we will reply to you, as to:                                     

      -       Whether you have been approved to obtain a loan

      -       Whether the equipment you have chosen meets the Programme requirements

      1. Time for review and answer to loan application is 5 days solely if all documents have been duly filled in and the supplier company is a registered partner under the REECL Program (Programme’s site http:// http://reecl.org/en/registration-of-elligible-and-installers//). In the remaining cases time for loan review increases proportionately to the necessary document correction time while upon need of registration of a new supplier as partner under the Programme increase depends on the registration time of the supplier company.
      2. Upon a positive reply you will be granted an Energy Efficiency Loan and you may apply for a gratuitous aid after project completion.
      3. In case that the equipment you have chosen does not meet Programme requirements, you may:

      - Either change your initial offer and apply again under the project with eligible equipment;

      - Obtain financing, in accordance with the standard consumer loan terms and conditions for your selected equipment. (In this case you will not have the opportunity to apply later and receive gratuitous aid.)

      Step 4:

      1. Take a Gratuitous Aid Request form from UBB branch
      2. Submit a Gratuitous Aid Request

      o    not later than 4 months of your loan agreement date

      o    another term under the REECL upon application (valid only upon financing building retrofits and cannot be later than 24.07.2019г).

      o    Enclose:

      • For building retrofits – Completion Certificate signed and stamped by the company (a sample is available at a UBB branch or download it at www.ubb.), original invoice, payment slip/copy of payment document evidencing payment
      • For new builds – Completion Certificate, issued pursuant to Bulgarian legislation, Technical Passport issued pursuant to Bulgarian legislation, Energy Performance Certificate of the Building, issued pursuant to Bulgarian legislation.  

      o    An independent consultant under the project will check your documents and may visit you on site.  

      o    Within 20 business days after submitting your documents, you will receive a reply, concerning the approved gratuitous aid.

Additional Conditions

Eligible energy efficiency activities:

  1. Windows and window frames
  2. Wall/roof and floor/ceiling insulation*
  3. Thermo-pump systems
  4. Biomass-fuelled heaters: boilers and stoves*
  5. Solar water-heating system*
  6. Gas heaters and/or installations for dwelling gas supply*
  7. Heat exchanger stations and building-level heating installations
  8. Photovoltaic systems
  9. Lifts
  10. Recuperative ventilation systems

*Partial thermal insulation of external elements of multi-family buildings is not eligible. Apartment heating systems (sun collector, gas boiler/convector, boiler/fireplace burning biomass) in a multi-family building that has been supplied with thermal energy (central or local) by the thermal power supplying company are not eligible.

1. An individual may use more than one Energy Efficiency loan for energy efficient activities in dwellings/buildings at different addresses, even in the cases where two identical activities are being performed.

2. An individual may apply for a loan only for an activity that has not been performed regarding the relevant dwelling, at the same address, within the Energy Efficiency Programme.  

3. An individual may apply for Energy Efficiency loan for building retrofits on house-level only if there is a supply and installation of at least two Eligible Energy Efficient Measures in legally registered existing house.  

4. An individual may apply for Energy Efficiency loan for building retrofits on multi-family dwelling level if there is a supply and installation of Eligible Energy Efficient Measures conducted within at least three individual dwellings, with available approved Project File* of energy efficient repairs of the whole legally registered existing multi-family dwelling.  

*Project File of energy efficient repairs includes conceptual design, specification, quotation and cost distribution agreement among apartment owners. It should be approved with a resolution of the General Meeting of Apartment Owners.

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+3592 483 1717
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