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 to enter the contactless payments market

  • WiththenewcontactlessDebit MasterCard® clientsmayshopeven much fasterandmoresecureinBulgariaandabroad  

New debit cards with contactless functionality have been launched by UBB for all clients of the Bank. Thus, UBB officially joined the market of contactless payments while providing its cardholders with the opportunity to make fast and secure domestic and international payments both in retail stores and via Internet.     

Debit MasterCard® is a higher class card covering all standard payment and cash withdrawal methods that is tailored to the needs of UBB individual and business clients.




Debit MasterCard®

World Debit MasterCard®


Debit MasterCard® Business



Standard contactless card for individual clients

A higher-class card offering extra bonuses*

A card for UBB business clients



The main advantage of Debit MasterCard® is that it could be used for hotel booking, renting cars, buying airline tickets and other operations previously accessible through credit cards only.

More about the contactless technology

  • Contactless technology enables payments of maximum BGN 25.00 within the country by only approaching the card to a contactless POS device while no PIN verification is required. Thus, the card is always in a client’s possession and his/her security - guaranteed.
  • Contactless payments are protected payments and they use the same security technology through chip-reading terminals and PIN validation.
  • Further convenience of a contactless card payment with Debit MasterCard® of smaller and larger amounts is that the card never leaves a client’s hands and now he/she exercises larger control while shopping.

Contactless payments – how and where?

  • Contactless payments are made with cards, bearing the symbol, appearing also on the new UBB Debit MasterCard®.
  • Contactless payments of small and larger amounts can be made at POS terminals in Bulgaria and abroad, bearing any of the following symbols for accepting this type of transactions:


  • All the client has to do is inform the merchant that he/she will make a contactless payment and then approach and hold the card close to the device, as designated (approx.. 2-3 cm.) until the terminal confirms the payment via a sound and light signal. A PIN code should be entered, if required by the terminal. POS-terminals, non-supporting contactless technology, enable standard payments – via reading chip or magnetic stripe data, upon inserting the card in the card reader.

What makes UBB Debit MasterCard® so special?

  • No fee for payments by individual clients holders of UBB Debit MasterCard® in Bulgaria and abroad, as well as for card issuance.
  • Additional protection of payments via Internet with the free-of-charge UBB 3-D Secure service.
  • Option for depositing cash with designated UBB ATMs.
  • Option for payment of utility bills with the card and free-of-charge and easy access to your monthly account history on the bank’s e-gateway  (www.ubbpay.bg)
  • Free-of-charge SMS notifications for each transaction over BGN 100.

* World Debit MasterCard® offers some extra bonuses when you travel abroad provided by famous hotel chains, rent-a-car companies, bars and diners etc., plus gratuitous insurance when travelling abroad (gratuitous medical aid and insurance protection in case of over 10 type of insurance events), an option for bonus accumulation within UBB Loyalty Programme UWIN and much more.    

Further details about the advantages of Debit MasterCard® are available both on UBB corporate site and on the territory of the Bank’s branch network.