United Bulgarian Bank AD

 (3.3; 6 ratings)
3.3 6
Business Focus
universal banking

Established in 1992 as a result of the merger of 22 Bulgarian regional commercial banks, United Bulgarian Bank (UBB) became the first and most comprehensive consolidation project in the Bulgarian banking sector. In 2017 United Bulgarian Bank was acquired from the National Bank of Greece by KBC, Belgian banking and insurance group. United Bulgarian Bank provides products and services in the areas of retail, corporate and investment banking as well as treasury and risk management, also United Bulgarian Bank offers asset management, leasing and factoring, brokerage solutions via its subsidiaries.

International Transfers

SWIFT Transfers
SEPA Credit Transfers
SEPA Instant Transfers
SEPA Direct Debits

Account Opening

Becoming a client of United Bulgarian Bank AD can be done in a few steps:

Visit bank branch

United Bulgarian Bank AD performs client's identity verification via branch visit.

Ways to Bank

United Bulgarian Bank AD delivers its products and services through both direct and indirect channels, namely:
online banking
mobile app


Total Assets of United Bulgarian Bank AD
Net_income of United Bulgarian Bank AD
Market Share of United Bulgarian Bank AD
Total Assets (2019)
12,172.14 mln BGN  (+8.00%)
Net Income (2019)
154.70 mln BGN  (-10.69%)

United Bulgarian Bank AD is the 3rd largest bank in Bulgaria in terms of total assets. In 2019 its total assets were 12 172,14 mln BGN, providing the bank with the market share of 10.66%. In 2019 the bank's net income was 154,70 mln BGN.

Credit Ratings

Fitch: A-
AA+, AA, AA-
A+, A, A-
BB+, BB, BB-
B+, B, B-
Moodys: -
Aa1, Aa2, Aa3
A1, A2, A3
Baa1, Baa2, Baa3, Baa4
Ba1, Ba2, Ba3
B1, B2, B3
Caa1, Caa2, Caa3, Ca

United Bulgarian Bank AD is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is A- (high credit quality).

Deposit Guarantee

Protected Amount
up to 100,000 EUR
Guarantee Fund
Bulgarian Deposit Insurance Fund (BDIF)
Covered Depositors
natural persons (Bulgarian and foreign)
legal entities (Bulgarian and foreign)
Covered Accounts
all funds on a bank account

United Bulgarian Bank AD participates in the deposit guarantee scheme of Bulgaria. This deposit guarantee scheme applies to all funds on a bank account made by natural persons (Bulgarian and foreign), legal entities (Bulgarian and foreign) and covers up to up to 100,000 EUR per bank per depositor. United Bulgarian Bank AD is a member of Bulgarian Deposit Insurance Fund (BDIF) and makes its contributions into it.

Member of Group

 KBC (Belgium)

United Bulgarian Bank AD is a member of KBC (Belgium).


5, Sveta Sofia Str., 1040, Sofia, Bulgaria

United Bulgarian Bank AD is headquartered in Sofia.

Social Networks

United Bulgarian Bank AD has profiles at the following social networks:

Bank Identifiers


Bank Supervision

Supervised By
Bulgarian National Bank

United Bulgarian Bank AD is authorized and supervised by the Bulgarian National Bank.

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Banking Products in Bulgaria

See Also

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16 March 2020