During the first six months of 2026, commercial banks, including Fibank, will exchange banknotes and coins from BGN to EUR free of charge, at the official exchange rate. For amounts exceeding BGN 30,000 per transaction, banknotes and coins will be exchanged from BGN to EUR free of charge subject to a 3-business day advance request. Depositing of BGN banknotes and coins into customers' euro accounts with the Bank, and the related exchange, will also be free of charge.

Apart from commercial banks, the Bulgarian National Bank will also exchange banknotes and coins from BGN into EUR at the official exchange rate, free of charge, in unlimited quantities and without time limit.

Until the end of 2025, Fibank exempts from fees cash deposits made by Individuals at Bank's offices into accounts held in their name at the Bank (including transactions initiated through “My Fibank” electronic banking) of banknotes in BGN and EUR to all accounts, regardless of their currency or type (current accounts, deposit or savings accounts, accounts for repayment of loan obligations, including overdrafts and credit cards).

When depositing BGN into a deposit or savings euro account, the official exchange rate of BGN 1.95583 to EUR 1 will be applied, instead of the announced “sell” rate of the Bank.

Free of charge are also deposits made with debit cards at Fibank ATMs with a deposit function.

Please be reminded that, on the day of the introduction of the euro, all funds in BGN-denominated accounts will be converted in EUR at the official exchange rate (BGN 1.95583 to EUR 1) automatically and free of charge.

From July 1, 2026, banks will no longer be obliged to provide the following services free of charge: cash exchange of banknotes and coins from BGN into EUR, as well as depositing of BGN in cash and the related exchange.

From January 1, 2027, banks will no longer be obliged to provide the service of cash exchange of banknotes and coins from BGN into EUR.

The requirements of the Anti-Money Laundering Measures Act and the Anti-Terrorism Financing and Distribution of Weapons of Mass Destruction Act shall apply to cash exchange services.