"Balance" deposit

Interest rate conditions

Up to 1.25% annual interest rate

Currencies

BGN, EUR

Advantages

Shorter term compared to 12- and 24-month deposits

Term

9 and 18 months

Promotional terms until 31.12.2025


  • No fee for cash deposit of banknotes in BGN at the cash desk for savings products in BGN or EUR, when the deposit is made personally by the account holder of the savings product or by their proxy, legal representative.

  •  When making cash deposit of banknotes in BGN at the cash desk for savings products in EUR, the official exchange rate of the Bulgarian National Bank for BGN/EUR shall be applied.


    Learn more here

Promotion
Learn more here
Characteristics:
  • Term – 9 and 18 months
  • For individuals
  • Currency - BGN, EUR
  • Minimum amount - BGN 5,000 / EUR 2,500
  • With automatic renewal
  • Attractive interest rate

 

Interest rates on an annual basis:

Term

BGN

EUR

9 months

1.00%

1.00%

18 months

1.25%

1.25%



Additional information
  • Additional information for the "Balance" deposit
  • Additional deposits to the deposit shall be allowed within the first 7 calendar days of opening the account. After this period, additional deposits shall not be allowed. In the event that additional funds are deposited to the deposit account after the first 7 calendar days of opening the deposit account, these funds shall subject to interest at the annual interest rate valid in case of non-fulfillment of the terms of the contract, according to the Interest Bulletin in force on the date of application. Fees and commissions - according to the current Fibank Tariff
  • Withdrawal of funds from the deposit account before maturity shall lead to a violation of the terms of the deposit;
  • The account holder shall not be requested to submit a prior notice, if he/she wishes to dispose of funds from the deposit account before the agreed maturity date in the contract, including for its early termination. When withdrawing cash from the deposit account above a certain amount specified in the Fibank Tariff, the holder must notify the Bank in advance of the execution of the operation within the terms specified in the Tariff, otherwise the holder shall pay an additional fee.
  • The Bulgarian Deposit Insurance Fund (BDIF) guarantees full payment of the amounts of one person in one bank, regardless of their number and amount up to BGN 196,000, and this amount also includes the accrued interest until the date of issuance of an act under Art. 20, para. 1 of the Bank Deposit Guarantee Act. The funds on the deposit are guaranteed by the Bulgarian Deposit Insurance Fund, established and operating in the Republic of Bulgaria, in accordance with the procedure, to the amount and under the conditions provided for in the Bank Deposit Guarantee Act.