National Card and Payment Scheme Bcard

Main driving force in the creation and introduction of new products and services, providing cheap, appropriate and convenient solutions for different sectors of the economy and business in Bulgaria.



The Bulgarian National Card Scheme Bcard that has officially started its activity at the end of 2016 steps on the solid foundation of the existing and well known on the market “national card Borica”. The new "national card Bcard" has a modern vision and follows the European development guidelines. It is already accepted at all terminal devices in the country, and will be accepted abroad soon.

Offering Bcard to end consumers
Offering Bcard to end consumers
Contactless payment
Contactless payment
Secure payments on the Internet
Secure payments on the Internet
Combined payment cards
Combined payment cards
International acceptance of Bcard payment card
International acceptance of Bcard payment card
Mobile payments with Bcard
Mobile payments with Bcard
National POS terminal micropayments
National POS terminal micropayments
Bcard electronic identity
Bcard electronic identity


More than 20 payment service providers, licensed by the Bulgarian National Bank, support the National Card and Payment Scheme in its development and evolution process and participate in the creation of common rules and technological solutions to achieve interoperability of the whole market, when using the national products and services of the Scheme.

UniCredit Bulbank
Central Cooperative Bank
Datecs Payment Technology EAD
Transcard Financial Services
Municipal Bank
EasyPay AD
DSK Bank
United Bulgarian Bank
ProCredit Bank Bulgaria
Raiffeisen Bank
First Investment Bank
Texim Bank
Easy Payment Services
Tokuda Bank
Bulgarian American Credit Bank
Commerce Bank D
Allianz Bank Bulgaria
International Asset Bank
BNP Paribas S.A. - Sofia Branch
Euronet 360 Finance Limited
BORICA Payment Institution
TBI Bank

Conditions for merchants

If you are a merchant, and you would like to have a Bcard POS Terminal installed, read more information here

Conditions for Customers

The Bcard card is your convenient, modern payment method that gives you permanent access to your accounts



14 December 2021

19 July 2021

24 June 2021

12 October 2020

Stoilka Arsova for CAPITAL weekly: In 2021 the cards with the Bcard logo will be accepted everywhere, both in a contact and contactless mode