ATM Fees in Bulgaria
Bulgarian Lev (BGN) • Updated April 2026
Bulgaria uses the Lev (pegged to Euro at fixed rate). ATMs are widely available in cities. Card acceptance is improving but cash is still important outside Sofia.
Tips for Bulgaria
- • Lev is pegged to Euro (1 EUR = 1.96 BGN)
- • UniCredit Bulbank and DSK are largest banks
- • Sofia is card-friendly, Black Sea resorts variable
- • Avoid Euronet ATMs
Airport tips
- • Sofia Airport has bank ATMs
- • Metro to city accepts cards
- • Airport facilities accept cards
- • Uber-like apps: Yellow Taxi app
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Bulgaria, per person.
Backpacker
Hostels, street food, public transport
BGN/day
≈ $38.79-81.75 USD
Mid-range
Hotels, restaurants, mix of transport
BGN/day
≈ $116-227 USD
Luxury
Premium hotels, fine dining, private transport
BGN/day
≈ $286-561 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Bulgaria.
Credit card acceptance
ModerateCard acceptance is moderate in Bulgaria. Sofia and resort areas are better. Many local shops still prefer cash.
You'll need cash for
- • Local restaurants
- • Markets
- • Buses and minibuses
- • Tips
- • Many shops outside Sofia
Cards usually accepted
- • Hotels
- • Supermarkets
- • Chain restaurants
- • Major attractions
- • Restaurants in Sofia
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| UniCredit Bulbank | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 600 | Now charges fees for foreign cards |
| DSK Bank | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 500 | Charges fees for foreign cards |
| UBB | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 400 | Charges fees for foreign cards |
| Postbank | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 350 | Charges fees for foreign cards |
| Euronet | 10-15 BGN | 0% | +8-12% | ~8.00 USD | 800 | Avoid - highest fees |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Euronet | 10-15 BGN | 0% | +8-12% | ~8.00 USD | 800 | Avoid - highest fees |
| UniCredit Bulbank | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 600 | Charges fees for foreign cards |
| DSK Bank | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 500 | Charges fees for foreign cards |
| UBB | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 400 | Charges fees for foreign cards |
| Postbank | 5-8 BGN | 0% | Visa/MC rate | ~3.00 USD | 350 | Charges fees for foreign cards |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Bulgaria:
View all ATM alliances →