"My deposit" may be opened by any adult individual who has a bank account held in their name with a credit institution in the Republic of Bulgaria or another member state of the European Union.
"My deposit" is not allowed to be opened in the benefit of a third party or by a proxy.
"My deposit" is not opened as a joint deposit. "My deposit" holder may be only one individual.

"My deposit" funds can be transferred by a bank transfer from a bank account held in the name of the client in another credit institution in the Republic of Bulgaria or in a member state of the European Union.

Yes, you may open "My Deposit" when providing the required information and the documents through "My Fibank" module.

Yes, every client of the Bank can open in their name "My Deposit." It is a deposit condition that the deposit account is to be credited by a bank transfer from a bank account held in the name of the client in another credit institution in the Republic of Bulgaria or in a member state of the European Union.
If you already have a registration in "My Fibank", you can open "My Deposit" after logging in the system, and then you should select "Opening" from the "Deposits" menu.
If you are a client of the Bank but you do not have a registration in "My Fibank", you can register by using a debit or credit card issued by the Bank in your name or request to open "My deposit" through "My Fibank" module available through the website of the Bank www.fibank.bg, in the section "Individuals" / "Savings products" / "My deposit" electronic deposit.

It is a payment bank account held in the name of the client at another credit institution in the Republic of Bulgaria or another member state of the European Union from/to which funds are transferred to/from the Deposit account.

There is no limitation to the number of deposits opened in your name.
Clients who already have opened "My deposit" can also open other deposits of this type through the "My Fibank" system.

If no funds have been received within the first 5 calendar days after the receipt of the Bank's confirmation of acceptance of your request for opening, the deposit is automatically closed by the Bank.

The receipt of the funds on this type of deposit should be made within the first 5 calendar days from the date of the contract. After this date, if you transfer funds on your deposit, they will be accrued according to the Interest Rate Bulletin, presently 0.01%.

If the amount of the deposit is less than BGN 500.00 / EUR 250.00, the funds are accrued according to the Interest Rate Bulletin, presently 0.01%.

In such cases, the Bank shall return ex officio the amount to the account from which it has been received, and the the costs of the transfer shall be borne by the client and deducted from the amount of the transfer. The account is closed.

The contract is made available to you on a durable medium through your access to "My Fibank". If you want a certified copy of the contract, you will be able to receive it at any of the Bank's offices.

Once you are registered, you will be able to open "My Deposit" and make payments of your utility expense. If you want full access, including active banking with transfers to other Fibank counterparties or other bank accounts, you have to request this by visiting an office of the Bank and purchasing/registering a Token Device or an Electronic Signature.

Yes, you can terminate your deposit at any time:

• if you have active banking in "My Fibank", you can dispose of funds at a cash desk or by bank transfer.
• if you have passive access to "My Fibank" received with the opening of the deposit, you can dispose of the funds at a cash desk or by transferring it back to the referent account that you have indicated upon opening the deposit.

Upon early termination of the contract, the Bank does not owe you the interest specified in the contract.

You can close your deposit entirely online through "My Fibank" system, depending on the registered access level or after visiting a Bank's office.

Yes, on renewal you have five calendar days to deposit funds on the deposit.

Yes, upon renewal, as well as when the deposit account is initially opened, a minimum balance is required in the account by the fifth calendar day. If the amount on the deposit account is below the minimum balance, the interest rate accrual shall be in accordance with the Interest Rate Bulletin.

Само лична карта.

Не. Нямаме условие за поръчителство без значение от исканата сума.

Не. В случай, че имате наличност по сметката, Вие ще ползвате първо собствените си средства. Само в случай, че ползвате овърдрафта ще платите лихва върху използваната част от него за времето до възстановяване на използваните суми.

Овърдрафт Ви позволява да ползвате допълнителни средства по Вашата сметка, дори след изчерпване на наличността по нея. Използваната сума по кредита, както и дължимите лихви се погасяват автоматично с всички постъпили средства по сметката, като Вие можете да ползвате погасената част отново в рамките на договорения срок.

Да получавате работната си заплата или други регулярни приходи по сметка във Fibank.

The payment account for basic transactions serves to keep funds and perform the following services:

1. using (servicing / keeping) and closing the payment account;

2. depositing funds on the payment account;

3. withdrawing cash from the payment account at a counter during the working hours of the Bank or at an ATM terminal during the Bank's working hours or in other time;

4. performing the following payment transactions:

- direct debits in BGN;

- payment transactions via a payment card, including online payments;

- credit transfers, including orders for periodic transfers at ATMs and POS terminals and at a bank office counter when available, and through the Bank's online banking systems.

A payment account for basic transactions is opened in BGN.

The payment account for basic transactions can be only opened in an office of the Bank. There is no possibility of opening a payment account for basic transactions through Fibank’s online banking service.

No, you can perform an unlimited number of transactions.

You have the ability to manage and perform payment transactions from your payment account for basic transactions both at Bank’s offices and through the First Investment Bank's online banking service.

The payment account for basic transactions is intended for users (individual clients) who are legally residing in the European Union.

The person wishing to open a payment account for basic transactions must personally file an application for opening (according to template of First Investment Bank) and submit the required documents. The Bank takes a decision to open or refuse opening the account within 10 days of receipt of all necessary documents. In the event of a refusal, the Bank shall notify the user in writing.

The Bank may refuse to open a payment account for basic transactions if the user already has a payment account through which they may use the services under item 1 above at the Bank or at another bank on the territory of the Republic of Bulgaria unless they declare that they have been notified that their account would be closed. The Bank refuses to open a payment account for basic transactions where the opening would result in violation of the legal provisions on the prevention of the use of the financial system for the purposes of money laundering and terrorist financing.

Не, овърдрафт не се предоставя. Вие трябва да нареждате операция (теглене, превод, плащане, в т.ч. с платежна карта), само ако наличността по сметката е достатъчна за изпълнение на операцията и плащане на таксата за нея.

Платежната сметка за основни операции се открива в български левове.

Платежната сметка за основни операции се открива в офис на Банката. Няма възможност за откриване чрез услугата за електронно банкиране на Първа инвестиционна банка.

Не, могат да се извършват неограничен брой операции по тях.

No. The service is offered without registration. With this service you can receive information 24/7, regardless of the Bank's working hours.

• Calls to *2265 (*bank) - short access number from landlines and mobile phones - the call is billed as a call to a mobile number according to your operator tariff plan.
• Number 0800 11 011 is available and free of charge only for subscribers of VIVACOM fixed services.
• Calls with the administrators of the electronic banking service and "My Fibank" mobile application are billed according to the prices determined by your operator for calls to 0700 VIVACOM numbers.

No. The Call Back option is free for customers who request it. It is an additional convenience for our customers in order to avoid waiting in line in case all operators are busy. By selecting this option, the first available operator will return a call to you and answer your questions.

Date entry in the interactive IVR menu is made in the format of two digits for day, two digits for month and four digits for year, without spaces. For example, if you want to enter the date October 9, 2024, you must select 09102024 from your phone's keypad.

В зависимост от търсената от Вас информация системата изисква въвеждането на специфични данни:

• За справки относно статуса на заявени кредитни продукти за физически лица:

1. да въведете своето ЕГН;
2. да въведете датата, месеца и годината, на която е подадена заявката, във формат 2 цифри за дата, 2 цифри за месец и 4 цифри за година, без символи и интервали.

• За справки относно статус и местонахождение на банкова карта:

1. да се обадите от телефонен номер, който сте предоставили в банката, за контакт с Вас;
2. да въведете своето ЕГН.

• за справки относно последни 5 операции с карта от Fibank:

1. да се обадите от телефонен номер, който сте предоставили в банката, за контакт с Вас;
2. да въведете своето ЕГН;
3. да въведете последните 4 цифри от номера на картата, за която правите справка.

• за справки относно наличност по сметка и последни 5 движения по сметка:

1. да се обадите от телефонен номер, който сте предоставили в банката, за контакт с Вас;
2. да въведете своето ЕГН;
3. да въведе последните 4 цифри от IBAN номера на сметката. Ако тези цифри са букви, следва да въведете последни 4 цифри от банкова карта към тази сметка. В случай че нямате карта, следва да въведете първи 2 цифри от IBAN номера на сметката.

• за справки по съществуващи кредитни продукти за физически лица:

1. да се обадите от телефонен номер, който сте предоставили в банката, за контакт с Вас;
2. да въведете своето ЕГН;
3. да въведете последните 4 цифри от номера на договора за кредит.

No. Visa Click-to-Pay service is completely free.

Unlike standard payment methods at an online merchant, where you provide your data and it is stored with the merchant, with Visa Click-to-Pay you provide your data to Visa once, after which, with each payment at the merchants participating in the Click-to-Pay program, Visa verifies the payment without sending any other data to the merchants.

No. This service is only available through MyFibank mobile application.

При регистрация за услугата Visa Click to Pay Вашите данни се съхраняват от картовата схема Visa.

Не. Тази услуга се предлага само чрез мобилното приложение MyFibank, където лесно можете да управлявате всички свои карти. Свалете приложението MyFibank и се възползвайте от удобството да банкирате самостоятелно от всяка точка на света.

Не. Услугата Visa Click to Pay е напълно безплатна.

From any of your current accounts, except for term deposit accounts, credit cards, or accounts with special conditions.

The app provides online reports and statements for your portfolio in real-time. Additionally, an email service is available, allowing the client to activate automatic quarterly reports. When activating the email service, a password is set to encrypt the file, which is required to open it.

Yes, the My Fibank app gives you direct access to the largest regulated markets in Europe and the USA. You can easily place buy and sell orders for stocks, ETFs, and other investment products, and manage your portfolio.

Yes, the My Fibank app gives you direct access to the largest regulated markets in Europe and the USA. You can easily place buy and sell orders for stocks, ETFs, and other investment products, and manage your portfolio.

You can create your investment profile in just a few easy steps from the 'Investments' menu. During the process, you will select your preferred account from which to trade investments, answer a few questions, and sign the service agreement entirely online.

You can trade a wide variety of stocks, ETFs, and other exchange-traded instruments on stock exchanges in Europe and the US.

At this stage, the minimum quantity you can invest in is one unit of a given financial instrument.

My Fibank provides market price information for a wide range of instruments traded on various stock exchanges. The data for instruments traded on exchanges in Bulgaria and Europe is available in real-time with minimal delay. Data for instruments in the US is delayed by 15 minutes.

If not, please learn more from our terminology guide.

Yes, the First Investment Bank mobile app uses advanced security measures, such as encryption, two-factor authentication, and secure login protocols, to protect your account and transactions. Always make sure your app and device are up to date for added security.

На този етап търговията с криптовалути не е възможна през нашата платформа.

При подаване на поръчка системата изчислява потенциалните разходи. Изчисленията са за еднократна сделка за цялата поръчка. Дължимите такси и комисионни са съгласно Tарифата на Банката. Всички допълнителни разходи, които могат да възникнат при изпълнение на клиентското нареждане за сключване на сделката, са за сметка на наредителя и се събират допълнително.