Switching to the euro necessitates adjustments to banking systems, which will lead to temporary service interruptions at the end of 2025 and the beginning of 2026. Here are details of the restrictions from different banks:
General Restrictions:
- Time: The main technical interruption is planned between 9:00 PM on December 31st and 1:00 AM on January 1st.
- Affected Services: Card payments at POS terminals and online, cash withdrawals from ATMs.
- Currency Conversion: Account balances are automatically converted, IBAN remains the same.
DSK Bank:
- POS and ATMs: 9:00 PM on December 31st to 1:00 AM on January 1st.
- Online Banking: Stops at 4:00 PM on December 31st, gradually restored from the end of January 1st to the end of January 2nd.
- Payments: Stop at 5:30 PM on December 29th, restored from January 2nd.
United Bulgarian Bank:
- POS, online, ATMs: Short interruption between 9:00 PM on December 31st and 1:00 AM on January 1st.
- Online Banking: Unavailable after 8:30 PM on December 30th, restored from 5:00 AM on January 1st.
UniCredit Bulbank:
- Cards, ATMs, POS: Temporary interruptions from 9:00 PM on December 31, 2025, to 1:00 AM on January 01, 2026.
- Payments: Until 2:00 PM on December 30, 2025, to other banks, until 7:00 PM to accounts at UniCredit (excluding transfers to budget accounts until 2:00 PM)
- Deposits: In leva until 10:00 AM on December 30, 2025, from January 4, 2026, only in euros.
Postbank:
- Cards: Activated after 1:00 AM on January 1, 2026.
- ATMs: Loaded with leva and euros on December 30, 2025, after 1:00 AM on January 1, 2026, only euros.
- Digital Banking: Starts on December 30, 2025, restored on January 2, 2026, at 12:00 PM.
- Taxes: Temporary unavailability possible from December 29, 2025, to January 5, 2026.
First Investment Bank:
- Cards, ATMs, POS: 10:00 PM on December 31, 2025, to 1:00 AM on January 1, 2026.
- Mobile and Web Banking: 10:00 PM on December 31, 2025, to 1:00 AM on January 1, 2026.
Central Cooperative Bank:
- Cards, online, POS, ATMs: 9:00 PM on December 31, 2025, to 1:00 AM on January 01, 2026.
- Digital Channels: 2:30 PM on December 30, 2025, to January 02, 2026, at 12:00 PM.
- Payments: Until 2:00 PM on December 30, 2025.
- ATMs: From 12:00 AM on January 01, 2026, only euros. Deposits in leva until December 29, 2025.
ProCredit Bank:
- Cards: 11:30 PM to 11:59 PM on December 31, 2025.
- Online Banking: 2:30 PM on December 30, 2025, to January 2, 2026.
TBI Bank:
- Cards: Stop at 8:00 PM on December 31st, restored after 12:00 AM on January 1, 2026.
- Mobile App: Gradual shutdown from December 29th, restoration on January 2nd.
Investbank:
- POS: 10:00 PM on December 31st to 1:00 AM on January 1, 2026.
- ATMs: Leva until 10:45 AM on December 30, 2025, euros after 2:00 AM on January 01, 2026.
- Online Banking: 12:00 PM on December 30, 2025, to 12:00 PM on January 3, 2026.
International Asset Bank:
- POS and Internet: 9:00 PM on December 31st to 1:00 AM on January 1, 2026.
- ATMs: 9:00 PM on December 31st to 1:00 AM on January 1st.
- Electronic Channels: 1:30 PM on December 30, 2025, to 1:30 PM on January 01, 2026.
Bulgarian-American Credit Bank:
- Cards: 11:30 PM on December 31, 2025, and 12:00 AM on January 01, 2026.
- ATMs: 9:00 PM on December 31st to 12:00 AM on January 01, 2026 (withdrawals only in euros).
- POS: 9:00 PM - 12:00 AM (processing only in euros).
- Online Platforms: Until 5:00 PM on December 30, 2025 (orders until 2:30 PM), restoration on January 2, 2026, at 12:00 PM.
Municipal Bank:
- ATMs and POS: Until 9:00 PM on December 31st.
- Cards, ATMs, POS: 9:00 PM on December 31st to 1:00 AM on January 1st.
- Deposits: 05.01.2026 at 08:30 AM (only euros).
- Online Banking: 2:00 PM on December 30, 2025, to January 01, 2026, at the end of the day.
Commercial Bank D:
- Interruptions: 9:00 PM on December 31, 2025, to 12:30 AM on January 01, 2026.
- Cards: Activated after 1:00 AM on January 01, 2026.
- ATMs: Leva until the end of 2025, euros after January 01, 2026. Deposits - leva until December 31, 2025, euros from January 01, 2026.
- Digital Channels: 3:00 PM on December 30, 2025, to January 03, 2026.
Texim Bank:
- POS: 9:00 PM on December 31, 2025 (possible temporary impediment), restoration at 0:15 AM on January 01, 2026.
Tokuda Bank:
- Cards: Restoration in the first hours of 2026 (euros).
- ATMs: Loaded with leva and euros, from January 1, 2026, only euros.
- Online Banking: Starts on December 30, 2025, restored on January 3, 2026.
Advice: It is recommended to have cash on hand around New Year's.