SEPA Instant banks in Bulgaria
Institutions in Bulgaria registered for SEPA Instant according to the official EPC register, with BIC and joining date.
Bulgaria adopted the euro on 1 January 2026. Its payment service providers have until 1 January 2027 to meet the instant transfer, equal charges and Verification of Payee obligations of Regulation (EU) 2024/886.
| Institution | BIC | City | SEPA Instant |
|---|---|---|---|
| Allianz Bank Bulgaria AD | BUINBGSFXXX | SOFIA | 6 October 2025 |
| BORICA AD | BSBGBGSFXXX | Sofia | 10 November 2025 |
| BULGARIAN DEVELOPMENT BANK AD | NASBBGSFXXX | SOFIA | 5 October 2026 |
| BULGARIAN-AMERICAN CREDIT BANK | BGUSBGSFXXX | SOFIA | 6 October 2025 |
| CENTRAL COOPERATIVE BANK PLC | CECBBGSFXXX | SOFIA | 3 December 2024 |
| D COMMERCE BANK AD | DEMIBGSFXXX | SOFIA | 6 October 2025 |
| DSK BANK AD | STSABGSFXXX | SOFIA | 31 March 2025 |
| Easy Payment Services | EAPSBGS2XXX | Sofia | 4 November 2024 |
| EASYPAY AD | ESPYBGS1XXX | Sofia | 3 November 2025 |
| ECONT FINANCIAL SERVICES | ECFEBG22XXX | Ruse | 6 January 2026 |
| EUROBANK BULGARIA AD | BPBIBGSFXXX | SOFIA | 6 October 2025 |
| FIRST INVESTMENT BANK AD | FINVBGSFXXX | SOFIA | 3 December 2024 |
| iCard AD | INTFBGSFXXX | Varna | 9 January 2018 |
| INTERNATIONAL ASSET BANK AD | IABGBGSFXXX | SOFIA | 1 December 2025 |
| INVESTBANK PLC | IORTBGSFXXX | SOFIA | 3 November 2025 |
| MUNICIPAL BANK AD | SOMBBGSFXXX | SOFIA | 6 October 2025 |
| MyFin Sole Owner JSC | MYFNBGSFXXX | Sofia | 3 February 2025 |
| PayMan Group OOD | PYMNBGS2XXX | Sofia | 8 December 2025 |
| Paynetics Ltd | PATCBGSFXXX | Sofia | 6 April 2020 |
| PayNovus AD | TRUDBG21XXX | Sofia | 3 July 2023 |
| ProCredit Bank (Bulgaria) EAD | PRCBBGSFXXX | SOFIA | 6 January 2025 |
| T.C. ZIRAAT BANKASI - SOFIA BRANCH | TCZBBGSFXXX | SOFIA | 6 January 2025 |
| TBI Bank EAD | TBIBBGSFXXX | SOFIA | 2 September 2019 |
| TENEN PAYMENTS JSC | TEPJBGSFXXX | Sofia | 6 July 2026 |
| TEXIM BANK AD | TEXIBGSFXXX | SOFIA | 3 November 2025 |
| Tokuda Bank EAD | CREXBGSFXXX | SOFIA | 5 January 2026 |
| Transcard Financial Services AD | TRIVBGS1XXX | Sofia | 6 October 2025 |
| UNICREDIT BULBANK AD | UNCRBGSFXXX | SOFIA | 3 November 2025 |
| UNITED BULGARIAN BANK AD (UBB) | UBBSBGSFXXX | SOFIA | 2 June 2025 |