Announcement about upcoming changes to the General Terms and Conditions and the Tariff for fees and commissions applied by DSK Bank for services to individual customers, effective from June 1, 2025

20/03/2025

Dear customers,

1. We would like to inform you that, with effect from June 1, 2025, DSK Bank will apply the following fees for the services listed in Appendix №1 of BNB Ordinance No. 3, provided to individual customers under contracts for opening and servicing a Payment Account With Basic Features.

*Chapter „PAYMENT ACCOUNT WITH BASIC FEATURES/“

Service	Before	To be
Opening of payment account in DSK bank's office	3,09 BGN	3,48 BGN
Maintenance and servicing of payment account
- with no debit card issued	3,99 BGN	4,19 BGN
- with a debit card issued	2,72 BGN	2,80 BGN
Closing of payment account in DSK bank's office	4,11 BGN	4,13 BGN
Cash operations
Cash deposit on payment account at DSK bank's office	0,23%, min. 2,48 BGN	0,26% min. 2,80 BGN
Cash withdrawal up to BGN 1 000 in DSK bank's office (per transaction)	0,65%, min. 6,85 BGN	0,66%, min. 6.71 BGN
Payment operations through payment card, incl. via e-banking
Cash withdrawal with debit card from other banks' ATM in Bulgaria	0,18%, min. 1,39 BGN	0,17%, min. 1,41 BGN

*Chapter „PAYMENT ACCOUNT WITH BASIC FEATURES/“

Service	Before	To be
Direct debit
Тo accounts opened with other banks	5,38 BGN	5,20 BGN
Credit transfer, incl. to State budget account
Credit transfer to a payment account within the same bank, incl. between customer's own accounts, ordered on paper	3,89 BGN	4,24 BGN
Credit transfer with future value date to a payment account within the same bank, incl. between customer's own accounts, ordered on paper	1,99 BGN	2,11 BGN
Credit transfer to a payment account within the same bank, incl. with future value date ordered through online banking (DSK Direct)	0,45 BGN	0,43 BGN
Credit transfer via BISERA to a payment account with another bank ordered on paper	5,16 BGN	5,73 BGN
Credit transfer with future value date via BISERA to a payment account with another bank ordered on paper	3,31 BGN	3,40 BGN
Standing order
Standing order to a payment account within the same bank ordered on paper	1,99 BGN	2,11 BGN
Standing order to a payment account within the same bank ordered through online banking (DSK Direct)	0,59 BGN	0,55 BGN
Standing order via BISERA to a payment account with another bank ordered on paper	3,31 BGN	3,40 BGN

* For services not specified in the table above, the relevant fees shall apply in accordance with the Tariff of Fees and Commissions of DSK Bank for Individuals.

** In case on the payment account with basic features are received funds originating from salary, pensions, benefits and benefits under social insurance and social assistance, scholarships for schoolchildren, students and doctor students, some of the services described in the appendix are provided free of charge, and their type and number is provided for in art.120a of the Law on Payment Services and Payment Systems.

DSK Bank shall change the fees for certain payment services, with effect from 01.06.2025, as follows:

Chapter „CASH OPERATIONS“

Service	Before			To be
Cash withdrawal	BGN	EUR	Other foreign currency	BGN	EUR	Other foreign currency
Upon request	0,70% on the total amount, min. BGN 7	0,70% on the total amount, min. EUR 3,58	0,80% on the total amount, min. EUR 5,00	0,80% on the total amount, min. BGN 8,00	0,80% on the total amount, min. EUR 4,09	No change
Without request	0,80% on the total amount	0,80% on the total amount	0,90% on the total amount	0,85% on the total amount	0,85% on the total amount	No change
Requested, but not withdrawn amounts by the customer	0,80% on the requested but not withdrawn amount	0,80% on the requested but not withdrawn amount	0,90% on the requested but not withdrawn amount	0,85% on the requested but not withdrawn amount	0,85% on the requested but not withdrawn amount	No change
Withdrawal of released funds under distraint	0,80% on the total amount, min. BGN 9,78	0,80% on the total amount, min. EUR 5,00	0,80% on the total amount, min. EUR 5,00	1% on the total amount, min. BGN 15	1% on the total amount, min. EUR 7,67	1% on the total amount, min. EUR 6,65
Cash deposit
Cash deposit of banknotes	0,25%, min. BGN 3,00, max. BGN 300,00	0,25%, min. EUR 1,53, max. EUR 153,39	0,35%, min. EUR 5, max. EUR 300	0,30%, min. BGN 3,00, max. BGN 300	0,30%, min. EUR 1,53, max. EUR 153,39	No change

We would like to hereby inform you that as of 01.06.2025, the General Terms and Conditions of DSK Bank AD for the provision of payment services, as well as the General Terms and Conditions of the contracts for opening and servicing of termless savings accounts are amended, the main changes being:

General Terms and Conditions for Provision of Payment Services

1. Changes in the terms and limits for execution of credit transfer orders submitted to a branch of the Bank or through electronic channels (items 51 and 54);

2. Changes in the conditions for refusing to provide services and refusing to execute payment transactions that violate or may violate sanctions, as well as in the conditions for terminating the contract if the account is used for illegal purposes (items 39, 40 and 122);

3. Changes to the conditions for equating electronic signatures with handwritten ones under item 13 of the LEDECS (item 60.7);

4. Changes to the procedure for activating a bank card provided in an office or by courier (item 65);

5. Suspension of opening payment accounts in Russian rubles (item 22);

6. Changes in the limits for execution of payment transactions ordered through electronic channels (item 86);

7. Settlement of the Blink P2P service through the DSK Mobile electronic channel (item 101);

8. Modification of the notification procedure for changes to the General Terms and Conditions (item 116).

General terms and conditions of contracts for opening and servicing of termless savings accounts

1. Changes in the terms and limits for the execution of credit transfer orders submitted to a branch of the Bank or through electronic channels (item 11.3);

2. Changes in the conditions for refusal to provide services and refusal to execute payment transactions that violate or may violate sanctions, as well as in the conditions for termination of the contract in case of use of the account for illegal purposes (items 6.13, 6.15 and 30.6);

3. Changes to the limits for the execution of payment transactions ordered through electronic channels (item 11.7.7);

4. Changes to the notification procedure in the event of changes to the General Terms and Conditions (item 28.1).

This statement is a prior notification in accordance with the requirements of Art. 62 para. 1 of the LPSPS. If you do not accept the changes being made, you have the right to terminate the contract in writing before the effective date of the changes without compensation or penalty. The Bank shall deem that the customer has accepted the changes if he has not notified it to the contrary before 01.06.2025.

Sincerely,

The team of DSK Bank