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.

Utility Bill Payment

UBB's Utility Bill Payment service is a convenient, easy and cheap way to pay your monthly bills for electricity, water, central heating, telephone, cable and digital televisions, Internet, etc., without visiting a branch of the Bank or pay-desks of the respective company.

Regular automatic payment

What is”Utility bills payment” service?

The Utility Bill Payment service is the easiest and cheapest way to pay your monthly bills for electricity, water, central heating, telephone, cable and digital televisions, Internet, etc., without visiting a branch of the Bank or pay-desks of the respective company. UBB takes care of your monthly payments by transferring amounts from your current account in BGN or a credit card, for which you provide your consent in advance.

Why use UBB's Utility Bill Payment service?

The Utility Bill Payment service provides you with:

  • Convenience - You save time by non-visiting pay-desks of utility companies and by avoiding queues to pay your monthly bills. You can check and pay your obligations at any time through electronic banking.
  • Payments’ planning – Choose yourself the number of companies to which you will pay your bills, using this service. United Bulgarian Bank operates with more than 250 utility companies, as you are able to pay for each separate service from a different account and/or credit card;
  • Control on utility bill payment can be exerted through:
    • Setting a limit per payment;
    • Option to choose between automatic and manual payment mode.
  • Use of a grace period upon payment with a credit card – no interest will be accrued on the paid obligations up to 45 days from the payment date (upon full repayment of the total amount from the recent statement).


  • Comfort - e-mail notifications for:
    • Registration of a new consent for utility bill payment;
    • Availability of a new obligation;
    • In case of unpaid obligation upon first unsuccessful attempt;
    • Change in existing consent;
    • Consent deactivation.


  • Payments within the deadline – United Bulgarian Bank pays your obligations each month within the specified deadlines, which protects you from the risk of having a service discontinued due to a forgotten, unpaid bill.
  • Low costs – BGN 0.20 per paid bill.

Important to know:

Upon occurrence of issues all you need to do is call 0700 117 17. Our staff is at your disposal.

Activation of the Utility Bill Payment Service

Registration for the service for clients of United Bulgarian Bank, having a current account in Bulgarian leva or a credit card, is made through submission of consent for Utility Bill Payment through one of the following channels:

    • UBB Branch;
    • UBB’s electronic banking

Payment at ATMs

Payment of utility bills at an ATM, as follows: 
  • Fixed and mobile phones - Telenor and Vivacom
  • Electricity – CEZ
  • Water supply – Sofiyska voda
  • Installments for voluntary pension insurance – Doverie Pension Assurance Company
  • Select Other services – Payment of services from the initial screen, then select the relevant company. Payment of utility bills can be made with all debit and credit cards, issued by UBB (excluding OK cards) and with Maestro cards, issued by other Bulgarian banks.
UBB does not collect fees from the cardholders for the effected transactions.
Payment of obligations to Telenor:
  • Payment of monthly bills - Identification is performed by inputting a nine-digit subscriber number. 
  • Recharging a pre-paid card - Identification is performed by inputting a telephone number. Virtual vouchers have a nominal value of BGN 5, 15, 25 and 40. 
  • Increasing a guarantee deposit - Identification is performed by inputting a telephone number.

Payment of obligations to Vivacom:
  • Payment of monthly bills for a mobile and/or fixed phone - Identification is performed by inputting a client number with the company, comprising:
    • 7 or 8 digits for subscribers of mobile services;
    • 11 digits for subscribers of fixed services.

Payment of obligations to:
  • Doverie Pension Assurance Company – Payment of installments for voluntary pension insurance. Identification is performed by inputting the Personal Identity Number of the individual.
  • Sofiyska voda - Payment of monthly bills for water supply. Identification is performed by inputting a ten -digit subscriber number and there is an option for a full or partial payment of the obligation.
  • CEZ* - Payment of monthly electricity bills. Identification is performed by inputting a 12-digit ITN of the subscriber.
    *Registration for payment via direct debit to CEZ cancels the option for making the payment of the obligation at an ATM or at a cash desk.

Online payment through UPAY

UPAY (ubbpay.bg) is UBB AD’s payment gateway for payment of utility bills, taxes, credit obligations and other services. The gateway provides UBB AD clients with electronic access to their monthly card and account statements.

In order to pay a utility bill, a credit obligation or a tax you don’t need to be a client of UBB AD. It is sufficient to have a valid credit or debit card, suitable for online payments. You can make payments through the site with both personal, as well as corporate bank cards.

In order to make a payment you only need to know your subscriber number with the respective company.

Through one card transaction you can pay a random number of utility bills to various companies. 

Steps for utility bills’ payment:

  • Choose the payment type and the particular company.
  • A page for the selected company will open.
  • Enter the subscriber number with the particular company.
  • Add the bill for payment via Add for Payment button or cancel it via Cancel button.
  • If you want to add a new bill for payment, select the respective company and repeat the steps.
  • If you want to finalize the payment chose the Continue with Payment option and click on the Pay button.
  • Review the list with the bills selected for payment and if everything is correct click on the Finish Payment button.
  • Enter your card details in the indicated fields and click on the Confirm button.
  • Upon successful payment the screen will display a receipt with information on the executed payment.
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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