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 online banking


UBB online banking provides you with online access to your funds worldwide. The service is intended to all UBB clients – individuals and companies. By using it, you are able to effect operations conveniently and quickly, receive bank account and card statements, pay taxes, utility bills, etc.
UBB online banking provides you with the following options:

Receipt of account statements:
  • You monitor balances of all your accounts with UBB
  • You monitor account history of all your accounts with UBB with the option to export the information to a file
  • You monitor your credit cards’ monthly statements
  • You obtain information about your payables to utility companies and monitor the settlement of those
  • You obtain information about all used by you banking products, such as accounts, deposits, loans, credit cards, overdraft on an account, investments in securities

Effecting of banking transactions in real time:

  • You effect fund transfers in BGN and foreign currency in Bulgaria and abroad
  • You order fund transfers from/to the State Budget
  • You order State Budget fund transfers
  • You initiate and process direct debit transfer orders
  • You effect exchange of foreign currency between own accounts
  • You pay utility bills
  • You open deposits
  • You trade in securities
  • You repay obligations under loans and credit cards
  • You pay taxes and fees to municipalities
  • You pay electronic invoices, issued by eFactura.bg
  • You register and pay utility bills
  • You order payments with a future value date 
  • You import files with payment document packages
  • You create lists of counterparties and payment document templates

Receipt of financial information:

  • BNB exchange rates
  • UBB buy/sell rates for major currencies
  • Up-to-date list of BISERA member-banks

What is the technical equipment you need? You should have the following:

  • A computer with browser Microsoft Internet Explorer 10 or a higher version or Mozilla Firefox 47 or a higher version
  • Access to Internet, maintaining the IP address within one session with the bank
  • For active operations – in addition to the above - a Client certificate, issued by UBB or a Qualified Electronic Signature (QES), issued by a licensed issuer of certification services and approved for usage by the bank, which is installed in your Internet browser along with a dynamic password, supplied by an SMS, generated by a U-code device or U-code mobile application.


When using the online banking site, a protected (encrypted) connection is established between your computer and the bank. The security of your funds and financial information are reliably protected with a client certificate or a QES (Qualified Electronic Signature), as well as a static and a dynamic password at different levels.

Firstly, online banking is accessed by a unique user number and a password for system login. These ensure access for inquiry purposes only, without the option to effect payments.

Secondly, in order for you to be successfully identified by the bank and to be able to effect payments, you need to have an installed digital certificate, issued by UBB or a QES.

Thirdly, for additional protection and security enhancement purposes upon access to active payments in Internet banking, it is obligatory to also use a dynamic password, supplied by an SMS, by a U-code device or U-code mobile application.

How to become a client of e-banking

Become a client of UBB Online Banking and Mobile banking services!

Registration for and use of the electronic banking service is free-of-charge. Online banking transactions are effected at lower fees than those paid at UBB branches, pursuant to the Fees and Commissions’ Tariff for Individuals, available in Tariffs and General Terms Section (Full archive of the Tariffs is available at https://www.ubb.bg/eng/rates/fees-and-commissions-individual). If you would like to obtain financial information and use online banking services any time and anywhere, we offer you the easiest and most convenient way to become a client of ours.

Step 1

Read the up-to-date UBB AD General Terms on Payment Services in the Tariffs and General Terms Section. Full archive of the General Terms is available at https://www.ubb.bg/eng/terms/for-individual-clients.

Step 2

Make your registration at  https://ebb.ubb.bg/ebankreg.

Step 3

Open the Online banking page https://ebb.ubb.bg and login with email and password, specified by you in step 2.

Step 4

Sign an agreement and a registration card for electronic banking without visiting the bank.


Registration and activation of services can also be made in a UBB branch.

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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