A) (Credit) Payment in leva (BGN)

Select „Create New“ in the „Payments“ menu, then select the account, which you want to use for the payment, input the amount, select the currency - BGN and click “Next“. In the next step, select the beneficiary that you want to receive the payment. If the respective beneficiary has not been previously saved, click on the „other beneficiary“ button and enter the name and IBAN, and then click on the “Next“ button. In the next step, select the reason for payment and click “Next“. Your payment order is now ready, you can review and edit it, if necessary, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank.

B) Foreign Currency (“Foreign Currency”) payment 

Select “Create New“ in the „Payments“ menu, then select the account, which you want to use for the payment, input the amount, select the currency - EUR/USD/GBP/CHF and click „Next“. In the next step, select the beneficiary that you want to receive the payment. If the respective beneficiary has not been previously saved, click on the „other beneficiary“ button and select either a payment to a “Local account“ or “Account abroad“. 

LOCAL ACCOUNT – enter the name and IBAN and click on the “Next“ button. 

ACCOUNT ABROAD – enter the name, address, account number, the country, where you want to make the payment, in the “BIC code“ enter the SWIFT code of the Bank of the recipient and in the “Bank Name“ field enter the name of the bank of the recipient and click on the “Next“ button. 

In the next step you have to select the value date* for the payment, the reason and the distribution of the bank charges*, and then click on the “Next“ button. Your payment order is now ready, you can review and edit it, if necessary, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank. 

* Value date – the time, necessary for the payment to reach the recipient. The date of the payment order is not included. 

* Bank charges – the distribution of the charges for the payment, between the ordering and the receiving party 

C) Currency Exchange 

Select “Create New“ in the “Payments“ menu and then select the account, from which you want to exchange a certain amount, enter the amount and type of currency you want to exchange and click “Next“, in the next step you have to select the account, where that amount shall be transferred and click “Next“. Your payment order is now ready, you can review and edit it, if necessary, as well as specify the negotiated exchange rate*, if any, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank. 

Negotiated exchange rate – for amounts equal to or exceeding 10 000 EUR /USD/CHF/GBP you may negotiate an individual exchange rate with the “Treasury” Department by calling +359 2 8157201, +359 2 8157202 or +359 2 8157203.“ 

D) Budget Payment 

Select „Create New“ in the „Payments“ menu, select the account, from which you want to make the transfer, input the amount and click “Next“. In the next step click on “Other beneficiary“, enter the name of the budget dispensing institution, to which you are transferring the respective amount, and in the IBAN field, specify the number of the account, the system shall recognize the account and automatically load the code of the payment type. Click “Next“ and in the next step enter the reason for payment, the type of the document, based on which the payment is made, its date and period, and again click “Next“. Your payment order is now ready, you can review and edit it, if necessary, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank. 

A) (Credit) Payment in leva (BGN)

Select “Create New“ in the „Payments“ menu, then click on “Credit Payment“ and fill-in the form. In the „Ordering Customer“ drop-down menu select the account and your company details are loaded automatically, then fill-in the beneficiary’s details, the amount, the payment system and the reason for payment. Your payment order is now ready, you can review and edit it, if necessary, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank.

B) Foreign Currency (“Foreign Currency”) payment

Select “Create New“ in the „Payments“ menu, then click on “Foreign Currency“ and fill-in the form. In the „Ordering Customer“ drop-down menu select the account and your company details are loaded automatically, enter the amount and currency, select the direction of the payment, the value date, enter recipient’s details - name, account number, address, country, then enter recipient bank’s details – it is sufficient to enter the BIC(SWIFT), Bank Name and address, enter the reason for payment and select how the transfer charges shall be distributed. Your payment order is now ready, you can review and edit it, if necessary, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank.

C) Currency Exchange

Select „Create New“ in the „Payments“ menu, then click on “Currency Exchange“, select the account, from which you would like to exchange the currency and the respective account, where the exchanged amount is to be transferred, then input the amount and select the currency. If you have negotiated a specific exchange rate* with the Bank, check that box and specify the negotiated exchange rate in the respective field. Your payment order is now ready, you can review and edit it, if necessary, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank.
Negotiated exchange rate – for amounts equal to or exceeding 10 000 EUR /USD/CHF/GBP you may negotiate an individual exchange rate with the Bank.

D) Budget Payment

In the “Payments“ menu, select “Create New “, then click on „Budget Payment“, in the drop-down menu select the account, from which you want to make the payment and your company details are loaded automatically, verify the details of the “Obliged person” and adjust them, if necessary, then enter the name of budget dispensing institution to which you are making the payment and specify its IBAN, the system then recognizes the IBAN and loads the code for the payment type; then you specify the reason for payment and the type of document, its date and period of the payment. Your payment order is now ready, you can review and edit it, if necessary, then click on the “save and send“ button, sign, using the respective authorization device and the payment is sent for execution by the Bank.

E) Batch Payment

In the “Payments“ menu, select “Create New “, then click on “Batch Payment” and on the next step click “Browse…” button and select the payments file* prepared in advance, in the drop-down menu select the „windows-1251” file format and the file type - or “payments in BGN“* or “payments in BGN without details for the individual transfers“* After that click “save and send“, sign with your authorization device and the file is then sent to the Bank for execution.

* Payments file – you can find more information here

* payments in BGN – you will see the details of the individual payments, which were in the file 

* Payments in BGN without details for the individual transfers – you will only see the total amount of the entire file, without any details on the individual payments. This file type is suitable for companies, where the policy is such that the accountants and the people, having access to the banking functionality, cannot see the salaries of their peers. 

In order to cancel the payment, you have to right an instruction to the Bank. To do that, please select the envelope-shaped icon at the top left corner of the screen. In the “Communication with BACB“ menu, please select the third tab “Instructions to BACB“ and by clicking on the „Create“ button, write your instruction to the Bank, detailing the payment and your request to reverse (cancel) it. The reversal (cancellation) of the payment is charged, according to the Bank’s tariff. Should you need any further information, please call 02 9658 370 and our consultants will be pleased to assist you.

You can create a template in one of the following manners.

1. In the last step of the payment, before signing, you can check the “Template” box in the “save as” section, then specify the name and whether or not it should be visible/accessible to all the other users, if any, of your accounts.
2. In the main menu “Services“, please select “Templates“, and then the “New“ button and follow the same steps as for a payment. In the last step, select the name of the template and whether or not it should be visible/accessible to all the other users, if any, of your accounts.

In order to edit or delete an already created template, select “Services“ -> „Templates“, and then click on the “+“ button, next to the name of the template, which you want to edit, after that three buttons: “edit“, “create payment“ and “delete“ will be shown.

In the “Services“menu select “Beneficiaries“. Create the beneficiary of your choice in “New“, as you can enter more than one account for a single beneficiary. You can edit a beneficiary by clicking on the “+“ button to the left of the already created beneficiary and clicking “edit“ and you will be able to change the names and/or the account or delete an account.

In order to receive a SWIFT message, you must send an instruction to the Bank. To do that, please select the envelope-shaped icon at the top left corner of the screen. In the “Communication with BACB“ menu, please select the third tab “Instructions to BACB“ and by clicking on the “Create“ button, write your instruction to the Bank, detailing the payment, for which you are requesting the SWIFT message and the email address, where you want to receive it. Should you need any further information, please call 02 9658 370 and our consultants will be happy to assist you.

The payment documents can be printed out, if their status is “processed“ and if they have been made through the Virtual Bank BACB Plus. Select “Funds“ -> “Accounts“ and you will see the “General Report“ button to the right of the screen, then select “Payments“, fill-in the required filters and find your desired payment. Click on the line of the payment and the respective document will be loaded on your screen, you can find the buttons “Print“ and “Print with details“ at the bottom. If you can’t see the buttons, please decrease the resolution of your display. You can do that by holding the Ctrl button on your keyboard and scrolling the wheel of your mouse towards you. Should you need any further information, please call 02 9658 370 and our consultants will be happy to assist you.

QES only works with the Internet Explorer and Mozilla Firefox web browsers. Make sure that you use either of these. Also make sure that: the software for operating the QES is properly installed on your computer, together with the certification chains, that the certificate itself is inserted in the USB port, and that it has been registered for use in BACB Plus. You must also check its validity period – if the certificate has expired, you must renew it. If all these conditions are met, please call our consultants at: 029658370, selecting option 1 for Virtual Bank.

These are periodic payments, which you create. These are suitable for paying your rent, insurance etc. The periods of such payments may be 1, 3, 6, 9 months or 1 year, as the amount is always the same. These payments may be executed both automatically, and by creating the payment document on each respective date and waiting for your signature to effect the payment.

The funds available show the actual amount in your account. It is formed by deducting any amounts, blocked in the account, from the balance. You may have amounts, blocked in the account as a result of card operations, which may have not been recorded yet, attachments or outstanding bank charges.

In the “Funds“ menu select “Accounts“, to the right of the screen you can see the button “General Report“, click on it and you will see a filter, which you can use to see the required movements.

In the “Funds“ menu select “Accounts“, after the accounts are loaded, click on the “+“ button to the left of the account that you want to get a statement for, and an additional menu with buttons will open, showing the button “Statements“ in the right-hand side. Click on it, fill-in the filter and the requested statements will load on the screen.

In the “Funds“ menu select “Savings“, click on the “Request new savings product“, and select the product of your choice from the list of savings products, then click “Next“. In the form that is loaded, specify the account, from which you want to transfer funds to the respective deposit, the amount and the currency, agree to the General Terms and Conditions and the agreement and click on “Save and Send“.

In the “Funds“ menu select “Savings“, your deposits will be loaded on the screen. Select the deposit you want to close and click on the “+“ button, the button “close“ will appear to the right, and after clicking on it, you have to specify the account, where you want the money to be transferred, as well as the origin of the money, then click on “Save and Send“.

In the “Funds“ menu select “Accounts“, click on the “Request New Account“, highlight “current account“ and click „Next“, after that choose the currency of your choice and the account, which will be charged. You must agree to the framework agreement and then click on “Save and Send“. After receiving your application, a bank employee will confirm or reject it.

In the “Funds“ menu select “Accounts“, click on the “+“ button, to the left of the account that you wish to close and an additional menu with buttons will load. Click on the “close“ button, which is the last in the right column. After that choose the account, where you want to receive the available funds, if any, select the account to be charged and click “Save and Send“.

If it is your last current account, you have to send an instruction to the Bank, detailing your intention to close the account.

BACB offers a complete online procedure for issuing and receiving debit cards of individuals, without having to visit a bank office. Form the “Funds“ menu select “Cards“, click on „New card request“, fill-in all the necessary information, as in the address field, you should specify an address, where the courier can find you and deliver the card within working hours. After having completed everything, click on “Save and Send“.

Yes, you can. BACB offers its clients - individuals, holders of a QES, to apply and receive consumer loan of up to BGN 2000 (two thousand), completely online.

In the “Funds“ menu select “Loans“ and click on “New loan request“, after that select the option “Virtual Credit“ and click “Next“. Then you have to fill-in several sections – “general information“, “Personal Details“, “Workplace Details“ and “Family Status“. After having completed everything, click on “Send“ and sign with your QES.

You can create a template, using either of the following methods:

1. In the last step of the payment, before signing, you can check the “Template” box in the “save as” section, then specify the name and whether or not it should be visible/accessible to all the other users, if any, of your accounts.
2. In the main menu “Services“, please select “Templates“, and then the “New“ button and follow the same steps as for a payment. In the last step, select the name of the template and whether or not it should be visible/accessible to all the other users, if any, of your accounts.

In order to edit or delete an already created template, select “Services“ -> „Templates“, and then click on the “+“ button, next to the name of the template, which you want to edit, after that three buttons: “edit“, “create payment“ and “delete“ will be shown

In the “Services“ menu select “Beneficiaries“. Create the beneficiary of your choice in “New“, as you can enter more than one account for a single beneficiary. You can edit a beneficiary by clicking on the “+“ button to the left of the already created beneficiary and clicking “edit“ and you will be able to change the names and/or the account or delete an account.

In the “Services“ menu select “Cashout“; then in the „Ordering Customer“ drop-down menu select the account, from which you want to withdraw cash, and then the office, where you can receive the money, then enter the amount and currency and the date, when you want to receive your money. After that click „Save and send“, sign with your authorization device and the request will be send to the respective office.

Direct debit is payment document initiated by the payee of the amount. It is used when the payee should get certain amount of money with fixed conditions and the ordering customer has given direct debit consent to his bank. Without the direct debit consent the payment will not be executed by the other bank and money will not be received.

From this menu you will receive notices from the bank, you will be able to send inquiries, requests, instructions and complaints/praises. This is a channel for Communication with BACB.

BACB sends notifications, related to the maintenance of the websites, useful information about new products, current news and promotions.

The message is used to make inquiries about a product, operation or something else. The message is with free contents and is not signed by an authorization device, and therefore it does not result in any payment obligations or commitments for either the bank or the client. The instruction refers to payments, renegotiation of deposits, clarifications, payment cancellations, receiving Swift messages etc. It is signed by an authorization device and has the effect of a payment order.

In the “Communication with BACB“ menu select the “Instructions to BACB“ tab and click on the “Create“ button, fill in all the necessary fields and detail your instruction, then click on „Save and Send“ and sign with your authorization device.