On January 1, 2026, all funds in BGN-denominated accounts (current, deposit, savings, fundraising, liquidation, etc.), loans, and related products will be automatically converted to euros at the official exchange rate (BGN 1.95583 to EUR 1).

No currency conversion fees will be charged.

All accounts will retain their International Bank Account Number (IBAN).

In accordance with the principle of continuity, the introduction of the euro will not affect the validity and effect of existing agreements with customers (for loans, accounts, deposits and other banking products and services) that contain references to the lev, and no signing of new agreements will be required.

The currency conversion will be carried out in accordance with the Law on the Introduction of the Euro in the Republic of Bulgaria (the Euro Law), by dividing the BGN numerical value by the full numerical value of the official EUR exchange rate, expressed in six digits with all five decimals. The official exchange rate shall not be rounded or truncated when performing the currency conversion.

After currency conversion, the resulting amount will be rounded to the second decimal digit in accordance with the mathematical rules for rounding:

• when the third decimal digit is less than 5, the second decimal digit remains unchanged;
• when the third decimal digit is equal to or greater than 5, the second decimal digit is increased by 1.