Dear clients,

We would like to inform you that due to the transition to the euro, UBB Online will not be available from 20:30 on December 30, 2025, until 5:00 on January 1, 2026.

Additionally, important deadlines for service types that will be discontinued early are as follows:

• December 19, 2025 (Friday) 5:00 PM - Stop of Order Registration (U-fund)
• December 19, 2025 (Friday) 5:00 PM - Stop of Debit Card Applications
• December 22, 2025 (Monday) 5:00 PM - Stop of BSE Trading Orders (U-broker)
• December 23, 2025 (Tuesday) 5:00 PM - Stop of Budget Payment Requests SEBRA
• December 29, 2025 (Monday) 3:00 PM - Stop of Tax and Utility Payments
• December 30, 2025 (Tuesday) 2:00 PM - Stop of all Transfers and Card Account Top-ups

Important: all transfers, payroll files, and requests in OBБ Online, for which the "Send" checkbox has been removed or which have not collected all required signatures to execute the payment order, regardless of their currency, will be officially declined as of 31.12.2025 and after 01.01.2026 will need to be submitted again.

After January 1, 2026, the following changes will be available in UBB Online:

1. Single transfers

In the “Payments” → “Transfers” menu, the types of transfers that you will be able to initiate will remain unchanged with the following exceptions/changes:

• The "Transfer in BGN" will be discontinued, with its equivalent becoming "Local EUR transfer" Using the new payment order type "Local EUR transfer" transfers in euros to non-budget accounts within the country will be possible. Transfers will be executed by default as SEPA Instant Credit Transfers, with a maximum amount of 50,000 euros. You will be able to initiate transfers not only from euro accounts but also with an agreed exchange rate for amounts over 5,000 euros;
• "Foreign currency transfer in UBB" will change to "Transfer in UBB" with the possibility of internal transfers in euros and other currencies;
• The service for initiating and confirming "Direct Debit" through UBB Online will be discontinued.

2. Templates – all templates in leva will be preserved and converted to euros at an exchange rate of 1.95583, rounded to two decimal places. The currency in these templates will also be changed from BGN to EUR.

3. Payroll files → after 01.01.2026, the field structure will be maintained, and if there is a currency field in the form you use, its value will change from BGN to EUR. The requirement remains that in payroll files, accounts must be with banks within the country (IBANs start with BG and are 22 characters long). Amounts in the files submitted to UBB Online after 01.01.2026 will be in euros. Important: In payroll files that do not have a currency field, it is assumed that amounts submitted after 01.01.2026 are in euros.

4. Account Movements

For accounts converted from leva to euros, it is not possible to select a period covering dates before and after the euro adoption.

• When selecting a period before 01.01.2026, the movements are displayed in leva;
• When selecting a period after 01.01.2026, the movements are displayed in euros.

5. Create Similar – in account movements and in the report "Payment Status and E-Documents," if you use the "create similar" function for a transfer that was made in leva, in the transaction details screen for signing, the amount will be loaded recalculated in euros, and the transfer currency will be EUR.

Sincerely,

The UBB Team

Dear clients,

The New Year is just around the corner, and with it comes an important milestone – Bulgaria’s transition to the euro. We know this is a time of celebration, but also change, and we want to make sure you feel confident and prepared. You do not have to take actions – after 01.01.2026 your account number remains the same as well as contractual conditions for all your banking products.

To help you enjoy the festive season without stress, here are a few simple tips:

• Plan ahead for your online banking needs  – complete any important transfers and payments before 14:00 on 30 December 2025 so you can relax during the holidays. 
• Carry cash on New Year’s Eve  – in leva or euro, as both currencies will be accepted for cash payments in January 2026, so you can feel confident wherever you go. 
• If you have upcoming trips or major expenses, consider making advance payments to avoid any inconvenience. 
• Update your mobile banking app – make sure you have the latest version of the UBB Mobile application installed. 
• Take care of your home and car – Pay your utility bills for electricity, water, internet, local taxes, and insurance by December 28, 2025, or purchase a vignette by December 29, 2025, to enjoy a stress-free holiday season.

In connection with the transition to the euro, all banks in Bulgaria, including UBB, will implement temporary interruptions of their digital and card services to ensure a smooth and secure changeover. The duration of these interruptions may vary between banks, but we all share the same goal – the safety and convenience of Bulgarian citizens.

Here are the planned interruptions at UBB:

• UBB Mobile and UBB Online – On December 30, 2025, until 14:00, you will be able to make transfers and top up card accounts via UBB Mobile and UBB Online. After 20:30 on December 30, 2025, access to digital channels will be temporarily closed. During this period, it will not be possible to check your card balance, make transfers, or top up card accounts through the digital channels. Clients with mobile banking and enabled push notifications will continue to receive alerts for completed transactions, and the updated balance after each transaction will be visible in them. This functionality will also be available on December 31, 2025. Access to the digital channels will be gradually restored after 05:00 on January 1, 2026. After that you can also ask Kate for latest information regarding the conversion
• Card transactions on ATM, POS terminals and online purchases  (including Apple Pay and Google Pay wallets) – short interruptions from 09:00 p.m on December 31 till 01:00 a.m. on January 1 are expected. During these periods, cards, ATMs and POS terminals in Bulgaria will not work, so please keep cash handy.  
• ATM Withdrawals and Deposits – After 1:00 a.m. on January 1, 2026, ATMs withdrawals will be only in euro, while cash-deposits will be possible only in leva until January 31, 2026.
• UBB branches  will be closed from 12:30, December 30, 2025, until January 04, 2026. Please complete any necessary operations before then. Branches will reopen on January 5, 2026, with standard working hours. You can convert your cash in leva to EUR free of charge at the fixed rate of 1 EUR = 1.95583 leva till end of June’26.

Thank you for your understanding and trust. All banks in the country are taking these steps to ensure a secure and successful start of the euro for everyone in Bulgaria.

We’ll take care of the transition so you can focus on what matters most – enjoying the holidays with your loved ones.

Sincerely,

The UBB Team