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.

Repayment of credit obligations

Pay credit obligations to UBB under cards, consumer and mortgage loans in a comfortable, secure and easy manner without visiting a branch of the bank.

Repayment at ATMs

Pay easily, securely and conveniently at an ATM of UBB your credit obligations to the bank, relating to a credit card, open, consumer and mortgage loans.

 Steps to repay credit obligations:

  • Select Other services from the initial screen.
  • Select Payment to UBB.
  • Select the relevant credit product.
  • Enter the Personal ID Number of the account holder.

Repayment can be made with all debit cards, issued by UBB, as well as with Maestro cards issued by other Bulgarian banks.

All transactions effected during business hours of the bank will be posted at the end of the day, while such effected after 16.30 h will be processed on the next business day.
UBB does not charge fees for the effected transactions.

Online repayment through UPAY

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

In order to pay a credit obligation you do not need to be a client of UBB. It is sufficient to have a valid debit card, issued by Bulgarian banks, 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 repayment under a credit product you need to know either the Personal ID Number or the Client Number of the borrower with UBB. Through one card transaction you can repay a credit liability under one credit product.

Steps for credit liability payment:

  • Please, select Credit obligations section.
  • Please, select a credit product from the list.
  • Please, enter the Personal ID Number or the Client Number of the borrower with UBB.
  • Please, enter the amount you wish to repay for the selected credit product and click on the Confirm button.
  • The system will check if the selected credit product is available for the entered Personal ID Number or UBB Client Number and upon finding a match a screen will be displayed with the credit product type, Personal ID Number /UBB Client Number, Payer’s name and amount.
  • Please, check the payment data and if everything is OK click on the Continue with payment button.
  • Please, enter your card data in the designated fields and click on the Confirm button.
  • Upon a successful payment the screen will visualize a receipt with information about the effected repayment.


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0700 117 17
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+3592 483 1717
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