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 ( 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.


Or give us a call
0700 117 17
Short number for local calls by Bulgarian mobile network subscribers
+3592 483 1717
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