DSK Smart

DSK Bank’s mobile banking application for individual clients

A single app with many applications

The mobile app is free for iOS and Android. You can download it here:

How to activate DSK Smart on your phone:

Step 1

Download DSK Smart on your mobile device.

Step 2

Open the app and click the buttons "Activate" and "Activate by SMS".

Step 3

Enter your username and password for DSK Direct.

Step 4

You will receive a code via SMS on your pre-authorized mobile number.

If you do not have access to the online banking platform DSK Direct, you can register here

If you have forgotten your username and password, you can learn how to recover them here

Blink P2P transfers by mobile number in DSK Smart

No fee until December 31, 2025.
Send money to even more friends, regardless of their bank in the blink of an eye.
You translate 24/7, 365 days a year.
Add a Trusted Recipient from your phone book. You can send various amounts to them without signing.
You send small amounts up to BGN 59, without a signature method.

Adding accounts

To add accounts to track in DSK Smart, log in to DSK Direct e-banking, go to the Smart Applications menu, and select the accounts you want to view in mobile banking.

Accounts in other banks

Use just one mobile app to monitor the balance and movements in your accounts at different banks. Go to the More menu, select the Accounts at other banks submenu, and follow the steps to activate the service.

How to transfer money using blink via IBAN in DSK Smart:

Select New Transfer from the Transfers menu.
Fill in the fields for the transfer: recipient's name, IBAN, and amount.
Select BLINK and you're done! The transfers arrives in seconds.

The DSK Smart mobile banking app gives you access to:

Bank Transfers:

Schedule transfers by phone number
Third-party bank transfers with an authorized signature from a token, the mobile app DSK mToken, or a verification code via SMS
Utility bill payments
Transfers between your personal accounts

Account Statements:

Receive statements for up to three of your personal accounts even before you log-in to the app
Your personal credit information such as available credit, statement balance, payment due date, and more
Utility bill statements
Transaction history in DSK Smart

Information about products and services:

Online credit applications (credit cards, personal credits, overdrafts)
Messages from the DSK Bank
Your personal credit information such as available credit, statement balance, payment due date, and more
Information about currency conversions and rates
Information about your bank cards
Information about our bank offices and branches.

Manage your funds:

Information about temporary account freezes and card limits
Virtual savings
Virtual card top-ups
Manage your current accounts

You can personalize your DSK Smart app

Access the app through biometric data or pin code
Activate dark mode or change your screen orientation to horizontal
Add shortcuts to your main screen, gaining easy access to your most used features