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 gives up to BGN 500 future interest discount for all refinanced mortgage loans from other banks with no application and assessment fees


UBB has announced a promotional campaign, giving future interest discount of 1% of the loan amount, but up to BGN 500. The offer is valid for all refinanced mortgage loans from other banks.

Additionally, until 15th of August, 2017 UBB will not charge its clients any fees in the mortgage application and approval process:

  • No application fee
  • No collateral appraisal fee
  • No fee for legal opinion on the offered collateral
  • No credit assessment fee

Clients, willing  to refinance their mortgage loans from other banks may take advantage of 4.00% fixed interest rate for the first 3 years and a variable one for the remaining period, based on 6-month SOFIBOR + 4.000 % fixed margin. Clients may also choose the new offer with 4.293% variable interest rate in BGN, based on 6-month SOFIBOR and a fixed margin.

While refinancing their existing mortgage loans with other banks clients may also consolidate other exposures and/or obtain additional funds.

The offer is valid for all disbursed mortgage loans in the period 24th April – 15th August 2017.

Annual Percentage Rate (APR): 4.38% for a loan of BGN 80 000  a period of 30 years at  4.00% fixed interest rate for the first 3 years and a variable interest rate for the remaining period, formed of 6-month SOFIBOR+4.000 % fixed margin:

36 monthly installments on the loan, amounting to BGN 381.93 for the fixed interest rate period and 324 monthly installments on the loan, amounting to BGN 394.49 for the remaining loan period; total amount due BGN 142 623.77.

Property insurance is required. The insurance expense is not included in the APR.

Annual Percentage Rate (APR) in case of variable interest rate: 4.45% for a loan of BGN 80 000 for a period of 30 years and 4.293% variable interest rate: 360 monthly installments on the loan, amounting to BGN 395.57; total amount due: BGN 143 464.13.

Property insurance is required. The insurance expense is not included in the APR.

The value of the 6-month SOFIBOR, adopted by the Bank as of 01.03.2017, is 0.293%.

Additional information on the Bank’s loan offers is available on: https://www.ubb.bg/eng/individual-clients/credits