Get 24-hour access to all your business accounts
DSK Direct is the preferred online banking
Offers effective solutions and facilitates the development of your business
What opportunities does DSK Direct offer you?
- Easy management of funds
- Signing declarations and documents
- Manage employee rights online – change phone number, email, delete user, and more
- Submitting an application for opening/closing an account, issuing a bank certificate, issuing/reissuing a debit card
What services does DSK Direct offer?
- Open an account in multiple currencies – quickly and conveniently open an additional account in 5 currencies (EUR, USD, GBP, CHF). You can open one or two at a time – in the same or different currencies
- Request to use a business plan for customers in the "Small Business" segment
- Closing an account – you submit a request online, and a bank employee confirms it
- Issue or reissue a debit card without visiting an office
- Receive a bank certificate in Bulgarian or English, directly online
- One access for all company accounts - manage all your business accounts with a single username and password
- Unified access – log in with one account and manage multiple companies
- Statements and reports – view your account movements and balances in real time
- List of depositors – create a list of employees who are authorized to deposit funds into your company's account
- Daily transfers – easily arrange payments with saved forms and recipients and track their execution status
- Batch transfers and salaries – we support various file formats (MT101, MT100, MT103, XML, CSV, etc.) to make it convenient for your business.
- Transfers between own accounts – within DSK Bank, in different currencies
- Mass payments via file – to employees, suppliers, or the budget
- Currency exchange – purchase and sale of currency (including at an agreed rate for amounts over 5 000 EUR)
- Track the availability, credit and debit transactions on your accounts, utility payments made, and the status of transfers ordered.
- The current exchange rates applied by DSK Bank for the main currencies we work with
- POS reports – daily, weekly, and monthly reports on your POS transactions for a selected period and all POS devices*
*Fees apply according to the bank's tariff.
- In the Loans menu, you have full visibility of outstanding fees, overdue payments, and other details, with the option to repay entirely online
- Submitting an application for a loan, requesting a new loan, requesting a loan renewal, as well as issuing or changing bank guarantees
* Only certain types of loans can be drawn down and/or repaid through DSK Direct. Please contact your account manager for more information.
- Completely online completion and submission of questionnaire and newsletter
- Completely online completion and submission of mandatory declarations (Tax and Social Security Declaration, Declaration of Political Affiliation, Declaration of Beneficial Owner)
Through your online banking, you can change:
- mobile number and email address of a given user;
- signature method;
- limits for a given user or company, as well as remove users.
* The assignment of rights (so-called specific rights) to users who do not represent the company can be requested at a DSK Bank office using the appropriate form.
You can find more information about specific rights and which online applications include each right here.- Utility payments for obligations registered by you
- Request SMS notifications for morning balance, utility bills, account deposits, transfers/withdrawals from account
What are the key features of DSK Direct?
You can take a closer look at DSK Direct key features here.
Key features:
New in online banking for business clients:
Menu Cards – cards visibility
Since Aug 2023 cards visibility is defined by assigning users the specific right Debit Cards and/or Credit Cards. You can do that by filling in the relevant application form in a bank office.
Business clients:
- The company legal representative will view all company cards regardless of the cardholder;
- Authorized users will view all cards issued to the company regardless of the cardholder;
- Cardholder – If the cardholder already uses DSK Direct, they will see all cards issued to his/her name and the company holder to whose e-banking he/she has access to.
Menu Cards > Details – Spend limits
- Displaying balance and spend limits to business credit cards.
Menu Cards > New tab ‘Credit cards Statements’
Menu Requests > Open a current account – Two signatories (out of total 2):
- Legal representatives of companies with method of representation ‘Together’ (with 2 signatories out of 2) can now open an additional account via DSK Direct.
Menu Requests > Open a current account – Two signatories (out of total 2):
- Legal representatives of companies with method of representation ‘Together’ (with 2 signatories out of 2) can now open an additional account via DSK Direct.
Menu Requests > Debit card issuance – Two signatories (out of total 2):
- Legal representatives of companies with method of representation ‘Together’ (with 2 signatories out of 2) can now issue a debit card via DSK Direct.
Menu Requests > New request ‘Attach Document’:
- You can attach a missing/expired ID card from here, or a document for legal activity (permission/license).
Select one of the following options for electronic signature:
DSK mToken mobile application
SMS code in combination with a digital certificate from the bank
Registration with DSK Direct:
- If you wish to use DSK Direct, you should visit one of our offices at your convenience and sign an Access Agreement, a Declaration for Creating a User Name and Password, and an Access Request (see the documents below), in which you specify the rights of each user on the company's accounts.
- If you are already registered with DSK Direct, you can change the rights/access of some of your employees (users) by signing a Request for Access Change at our office (see below);
- Documents can be signed remotely with a QES (qualified electronic signature);
- Fees and commissions apply in accordance with the Tariff for Business Clients of DSK Bank.
