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Terms and Conditions for Using our Corporate Website

Terms of Use (cookies)

By accessing the website https://dskbank.bg (the website) you agree to these Terms and Conditions for the use of cookies (the Terms and Conditions) of DSK Bank AD, UIC 121830616 (the Bank)

The Bank respects the privacy of your data and guarantees their lawful processing and protection. These Terms and Conditions are intended to provide you with information on how cookies are used on the website.

What are cookies?

A cookie is a small file that is stored on a user's end device when visiting a website. It is used to collect anonymous information, which is processed for statistical purposes, to improve the functionality of the website, etc. Cookies are used by many websites for various purposes - to preserve your preferences, to activate on-line services, etc.

How are cookies used?

The Bank uses cookies and/or other similar technologies to analyse trends, administer the website, track the activities of users in the website, and to collect users’ typified information.

Cookies are small files of information that a website sends to a visitor's browser. The browser stores this information in a file on the user's end device. Cookies allow visitors to navigate the website and, where applicable, make it possible for the bank to personalise the website and its content according to the needs of the visitors, as well as to improve the results of their actions. If the function of the respective cookie is not activated, the bank cannot ensure that the website will function properly.

The cookies used by the Bank on the website do not store data that can directly identify users. If you provide your personal data while using a service provided through the website, it will not be provided to third parties. Where and how does the bank use cookies on the website?


The bank uses cookies:

  • To protect customer privacy and prevent fraud.

  • In the on-line application forms. If the cookie storage function is not active, the user will not be able to access the website and/or use the services of the bank.

  • To understand how users log in and use the page - this helps improve the quality of the customer services we provide. For this purpose, the bank uses Google Analytics - an Internet-based service provided by Google, which helps the bank analyse through cookies, how visitors use the website. You can find more details about using the service in the Google Analytics Privacy Policy (https://policies.google.com/privacy/update)

  • To monitor and manage the data flow on the website.

  • In the advertising campaigns of the Bank to determine the effect of the campaigns. This helps the bank improve the design and structure of the website, products and services.

Types of cookies

The Bank uses two main types of cookies on the website:

  • Session cookies. These are temporary cookies that are only active when the user logs in to the website (i.e. until the user leaves the page and closes the browser). Session cookies help the website remember the steps the visitor took on the previous page, thus eliminating the need to re-enter information.

  • Persistent cookies. Persistent cookies remain on the user's computer after visiting the website. These cookies allow the Bank to identify the user as a unique user (keeping this information as a randomly generated number). How long the cookie will stay on the user's computer depends on the type of cookie.

In terms of functionality, cookies are divided into:

  • Strictly necessary - This type of cookies make the work of the site possible by supporting basic functions such as navigation between pages and access to the secure parts of the site. This site cannot function properly without such cookies.

  • Functional - Functionality cookies allow the site to remember information that changes the way the site behaves or looks like, such as your preferred language or the region where you are located.

  • Statistical - This type of cookie allows us to track and analyse the effectiveness of our site, as the collected information is in the form of anonymised summary.

  • Advertising - This type of cookie is used to track visitors between individual sites. They enable us to provide engaging content for our users in line with their interests. And as well help us measure the interactions of the advertising messages we distribute. The information from these cookies is anonymous. They help us measure the interactions of the advertising messages we distribute.

Consent to the use of cookies:

Before you start using the website, the bank should obtain your consent to the use of cookies. Therefore, when you log in to the website, there is a pop-up window that notifies you of the use of cookies and asks for your consent to use them by clicking "I accept all" or "I accept the marked cookies". If you do not agree with the use of cookies, through the menu you can opt out of all or leave some of them active when using the website.

Blocking and deleting cookies:

If you want to restrict cookies or block them on the website, you can do so by changing the settings of your internet browser. You can block all the cookies, accept only first-party cookies, or delete all cookies when you exit the browser. You can get more information from the help menu of your browser. Some of the services provided by the bank on the website may not function when cookies are blocked or deleted.

General terms and conditions:

This page is property of DSK Bank.

The website (site) was created for general information purposes. The site provides basic information on retail banking products and services, such as those intended for small and medium-sized enterprises, corporate clients and youth groups of consumers, and contains links to DSK Group companies. However, no part of this information can be treated as a direct offer or consultation regarding purchasing any of the bank's products and services.

DSK Bank AD reserves its right to change these terms and conditions without prior notice.

By accessing this site, and the materials and information contained therein, you acknowledge that you have read, understood, and agreed to the terms of use of the DSK Bank website.


Although all the companies in the DSK Group make every effort to provide accurate and up-to-date information on their websites, there may be omissions and inaccuracies. DSK Bank and DSK Group are not responsible for any direct, indirect, incidental, consequential or other damage arising from or related to your access to or use of our site.

The whole information on the website, including, but not limited to, graphics, texts and links to other pages, is subject to change without notice.

All the information on the site, including, but not limited to, charts, texts and links to other pages, is subject to change without notice. DSK Bank does not guarantee the adequacy, accuracy or completeness of the information contained on the site and states that it shall not be liable for eventual errors or omissions. The users of the site are responsible to measure the accuracy of the information or other content available on the website.

DSK Bank does not guarantee problem-free and uninterrupted access to this site.

DSK Bank does not guarantee problem-free and uninterrupted access to this site.

Related Websites

DSK Bank is part of the DSK Group, which includes several companies that have their own trade names. Each of the affiliated companies has its own website where it offers information about its products and services.

Users should keep in mind that DSK Bank has not analysed the content of the information contained in the hyperlinks or the linked Internet pages, and in this sense does not assume responsibility for the accuracy or completeness of this information. DSK Group, its governing body, its employees and consultants are not liable for eventual inaccuracies and incompleteness in the content of the hyperlinks or in the linked Internet pages.

DSK Group reserves its right to terminate any link or linked program at any time.


The design, structure and content of this website are subject to copyright and the exclusive right to use them belongs to DSK Bank. Users can print individual pages and/or parts, images (logos), charts, etc. from the Website, provided that they do not remove identifying copyright, trade marks, trademarks of products and services, and logos

Users are prohibited from modifying, copying, publishing, selling or licensing any or all of the content of the Website, and from using it for any public or commercial purpose other than to disseminate/promote information about the products and services of DSK Group.

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