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 and CIBANK align ATM fees for their clients

Both banks together have a network of over 850 ATMs throughout the country

UBB and CIBANK have launched the joint process of enhancing their terms and conditions on products and services for their clients, by making their ATM withdrawal fees equal. Clients of both UBB and CIBANK can now use any ATM of the two banks against one and the same withdrawal fee, as at that of their card-issuing bank. They can also check their balance on ATMs of both banks using equal terms. Thus, through having their withdrawal fees aligned, clients obtain additional benefits for one of the most frequent banking operations – ATM cash withdrawal.

This step is the first of a series towards making the terms and conditions for their clients uniform, in line with the forthcoming merger into the new United Bulgarian Bank.

Jointly, UBB and CIBANK have a wide ATM network, comprising over 850 ATMs throughout the country. Part of those have enabled cash deposit functionality. Earlier this year CIBANK made another innovation in the sector, by installing the first contactless ATMs in Bulgaria, enabling withdrawal of amounts through contactless cards.

There are more joint services of the two banks yet to come, which will be to the benefit of their clients and about which banks will gradually inform them. Following the acquisition of UBB by the Belgian bancassurance group KBC in June this year, both companies – UBB and CIBANK - continue to function as two separate banks. However, after their legal merger at the beginning of 2018 they are going to offer identical products and services to their clients under one common name – UBB.

CIBANK, UBB, its subsidiaries and DZI thus become the largest bancassurance group in Bulgaria, one of the main markets of КВС Group. КВС Group is already active on the lease market too, as well as on the asset management and factoring markets in Bulgaria, by offering to its clients the full range of financial services. 


The Belgian bancassurance group KBC has been present in the Bulgarian financial sector since 2007 with its subsidiaries CIBANK and DZI. In 2017 KBC Group acquired UBB, UBB Asset Management, UBB Factoring, UBB Insurance Broker, Interlease and 60% of UBB MetLife. After the forthcoming CIBANK-UBB merger the new united bank will be the third-ranking bank in Bulgaria in terms of assets of nearly EUR 5.1 billion, with approximate market share of 11%.