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Deposit your BGN cash
with no fees

Safe and easy switch to the euro

You can deposit your BGN banknotes in advance to make the switch to the euro easy and stress-free. DSK Bank is here to help you at every step.

That’s why until 30 November 2025, you can deposit BGN banknotes into your personal accounts without any fees.

  • You can deposit BGN banknotes into your personal accounts without any fees at any DSK Bank branch or at an ATM with deposit function until 30 November 2025.  There is no limit on the amount at branches. For ATMs with deposit function, the daily limit is BGN 9775.

  • Get a For Salary or For Retirement plan by 30 November 2025 - you get no monthly fees until 30 June 2026, starting from the month you get the plan. The plans include the most used everyday banking services:

    • Free ATM withdrawals at DSK Bank

    • Easy card payments in stores and online

    • Free online transfers


You can get a For Salary or For Retirement plan at the DSK Bank branch, which is most convenient for you.

  • For Salary plan's monthly fee is BGN 6,99 / EUR 3,57. If you make 5 card payments at a POS terminal or online during the month, the fee drops to BGN 4,99 / EUR 2,55.

  • For Retirement plan's monthly fee is BGN 3,99 / EUR 2,04. If you make 5 card payments at a POS terminal or online during the month, the fee drops to BGN 1,99 / EUR 1,02.

The promotional campaign is valid only for individual clients of DSK Bank. After the promotional period – from 1 August 2025 to 30 November 2025 – the standard terms in the tariff for individuals will apply.



Frequently asked questions
What will you get with the For Salary plan?
  • BGN account with debit card
  • Access to digital banking
  • Unlimited SMS/Viber notifications
  • Unlimited Blink P2P transfers via mobile number
  • 5 online transfers in BGN to DSK Bank and other banks
  • 5 online payments for utilities, local taxes, and fees
  • 5 deposits and withdrawals at DSK Bank ATMs and OTP Group ATMs abroad
  • Option to open a DSK Start debit account for children aged 7 - 13
What will you get with the For Retirement plan?
  • BGN account with debit card
  • Unlimited SMS/Viber notifications
  • Access to digital banking
  • Unlimited Blink P2P transfers via mobile number
  • Unlimited online transfers in BGN to DSK Bank and other banks
  • Unlimited online payments for utility bills, local taxes, and fees
  • 3 ATM withdrawals with your debit card at banks in Bulgaria or OTP Group ATMs abroad
Why is it better to deposit your BGN now?

The automatic conversion of the funds in your account will happen at the fixed rate set by the BNB: 1,95583 leva for 1 euro. This means you will not lose money due to exchange rates or fees when switching to the euro.

Deposit now – withdraw anytime, safely, and easily.

Why is it better to keep your money in a bank?

The money in the bank is safe and always available when you need it. This helps you avoid the risk of loss, theft, or damage that can happen if you keep cash at home. At the bank you can easily and securely manage your money – make transfers, pay bills, and plan your budget.

Why is it easier to pay with a card and what will it save you?

Paying with a card saves you time and effort. You do not need to exchange currency, carry large amounts of cash, or do the math yourself. You can pay quickly and easily everywhere – in stores, online, or abroad without worrying about exchange rates or small change.

Do you need more information?

Check out our dedicated page on the euro transition and find answers to the most frequently asked questions.