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 are now one


After the legal merger of CIBANK JSC, only the new United Bulgarian Bank has remained on the market

There are no changes for the clients of UBB and CIBANK, resulting from the legal merger

Yesterday the legal merger of CIBANK JSC into United Bulgarian Bank AD (UBB) was registered in the Commercial Register. Thus CIBANK has ceased to exist as a separate legal entity and its clients have automatically become clients of UBB. The merger of the two banks is a process which aims at bringing the new, bigger UBB, to the forefront.

The legal merger of CIBANK into UBB is the next step into the consolidation of the business of the Belgian KBC Group in Bulgaria. We have arranged the processes in such a way so as to enable the almost seamless transformation of the organization in the eyes of clients. The ultimate goal is to make the even bigger bank UBB an exemplary financial partner – with speed, flexibility, attitude, servicing, modernity, dynamics and innovative spirit. The driver of all this is our 3-year strategy for customer service quality. I believe this is going to become visible as early as the current year“, UBB’s Chief Executive Officer, Mr. Peter Andronov commented.

There will be no changes, affecting the clients of UBB and CIBANK as a result of the legal merger. There is no need to have credit and debit cards reissued either, until expiry of their validity. The terms and conditions on loans, deposits and other products and services are being retained, in accordance with the agreements signed with each of the two banks.

As per the Bulgarian laws, the accounts of all present clients of CIBANK will have IBAN numbers, containing the name of UBB, namely – UBBS. This future change is going to occur after several months. It is purely technical and will not affect client accounts in any manner whatsoever. The former and new IBAN numbers are going to function in parallel by the end of November 2018. All clients will be informed of eventual changes, relevant to them, through their preferred information channels, communicated to the Bank – e-mail, personal letter, telephone call, SMS.

The stage-by-stage collocation of UBB and CIBANK branch networks is going to continue also over the next six months. This process was launched as early as August last year, as since then until now a total of 36 branches have opened their doors for servicing clients of both banks.

Since the beginning of March servicing of UBB clients will be also enabled in all former branches of CIBANK. Thus the Bank’s customer touchpoints will increase by 30% and will number 245 branches throughout Bulgaria.

Over the months to follow the former clients of CIBANK may continue with visiting their familiar bank branches, as well as already collocated ones.

Any up-to-date information, relevant to clients, will be published on the corporate website in an especially dedicated section: https://www.ubb.bg/unitedforyou, while the branch network employees and the Contact Centre officials at 0700 117 17 are ready to answer any queries.

For KBC Group (www.kbc.com)
KBC is an integrated bancassurance group with a variety of channels, which is oriented mainly to individual clients, SMEs and local medium-sized corporate clients. The Group is focused on its main markets in Belgium, certain countries from Central and Eastern Europe (Czech Republic, Slovakia, Bulgaria and Hungary) as well as Ireland. The Group is present also in other selected countries and regions worldwide. KBC's headquarters is located in Brussels (Belgium). The Group employs over 38 000 people and is registered on Euronext Brussels Stock Exchange (stock symbol - KBC).

KBC Group in Bulgaria
KBC Group is the largest financial group in Bulgaria, offering the full range of financial services – banking, insurance, investment banking, investments in mutual funds, brokerage services and leasing – through its companies UBB, DZI (comprising 2 companies), UBB Interlease (comprising 2 companies), UBB Asset Management, UBB Insurance Broker and UBB Factoring. It has been present on the bancassurance market since 2007, when it acquired DZI and CIBANK.

About UBB
The established in 1992 UBB became part of the Belgian financial group in June 2017. After the merger of CIBANK JSC into it, UBB ranks third on the Bulgarian market with assets of BGN 11 billion. UBB services individuals, SMEs and large corporate clients.
In December 2017 Fitch Rating Agency raised UBB’s long-term rating for a second time within half a year following the bank’s acquisition by the Belgian financial group KBC. Thus, within a couple of months, UBB’s rating has been raised with the unprecedented 7 grades – from ‘B+’, through ‘BBB+’ up to its current highest grade in the 25-year history of United Bulgarian Bank and the Bulgarian banking system  – ‘A-‘.