TARIFF

of fees, commissions and interest rates, applied by

MyFin for provision of payment services

MyFin EAD
111 P Tsarigradsko shose Blvd., 1784
Sofia
tel.: +359 2 902 44 31
website: www.myfin.bg
CONTENTS

General provisions ___________________________________________________________________________________ 1

Charges and commissions _________________________________________________________________________ 2
Additional and concluding provisions ___________________________________________________________ 6
Related documents___________________________________________________________________________________ 9
Contacts ________________________________________________________________________________________________ 10
Company information: _____________________________________________________________________________ 10
TARIFF

General provisions
The Present Tariff includes all interest rates, charges and commissions, applied by MyFin
for provision of payment services through the online system for clients “MyFin” (MyFin) to
registered clients.

1. Commissions, charges, fees, etc. shall be collected in the same currency in which
the bank account has been opened or its equivalence in any other currency.
2. The BGN equivalence of the commissions, charges and fees for local currency
transactions denominated in foreign currency shall be calculated at the Bulgarian
National Bank’s daily exchange rate of the respective foreign currency to BGN.

EXCEPTIONS
The present Tariff shall regulate the standard fees and commissions applied by MyFin,
unless the Company has expressly negotiated with its clients or correspondent’s different
fees and commissions for particular transactions.

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TARIFF

Charges and commissions

CHAPTER I. REGISTRATION IN MyFin

Art. 1 Registration free of charge

CHAPTER II. PAYMENT ACCOUNTS, INCL. ELECTRONIC MONEY

ACCOUNTS

Art. 1 Opening of an account free of charge

Art. 2 Maintenance of an account

1. Payment accounts including accounts for electronic free of charge

money
2. Gold account BGN 3

Art. 3 Closing by order of the Account Holder, incl gold free of charge
account, incl. before 6 months have passed
from conclusion of account contract.
Art. 4 Other fees

1. Processing of a garnishment notice BGN 30

CHAPTER III. PAYMENT CARDS

Art. 1 Debit card

1. Issuance free of charge

1.1. Reissuance due to expired free of charge
2. Issuance of additional card BGN 9.78
3. Monthly fee for the first card free of charge
4. Monthly fee for additional card free of charge
5. Cash withdrawal within EEA BGN 1
6. Cash withdrawal outside EEA BGN 3
7. Payment at POS free of charge

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TARIFF

8. Transactions, related to gambling and games of 0.8%

change

9. Reissuance due to loss, forgotten PIN code, theft, BGN 9.78

damage or other reason

10. Delivery of an issued card at a client’s address by BGN 9.78

courier within the territory of the Republic of Bulgaria.
11. Delivery of an issued card abroad by special courier BGN 55
upon customer’s request
Art. 2 Digital card

1. Request for issuance and activation free of charge

2. Payment free of charge

3. Monthly fee for maintenance free of charge

Art. 3 Virtual card

1. Request for issuance and activation free of charge

2. Payment free of charge

3. Monthly fee for maintenance free of charge

Art. 4 Prepaid card for electronic money

1. Request for issuance and activation free of charge

2. Payment free of charge

3. Monthly fee for maintenance free of charge

Notes:
1. The fee according to Art 1, Item 8 does not be deducted in case of refund and reversal transaction.

CHAPTER IV. INFORMATION SERVICES

Art. 1 Account information free of charge

1. Balances free of charge

2. Online reports/statements free of charge
3. Received transfers free of charge
Art. 2 Card information free of charge
1. Received transfers free of charge
2. Authorizations/Transactions free of charge
Art. 3 Other information services at the Client’s request BGN 10

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TARIFF

CHAPTER V. PURCHASE AND SALE OF FOREIGN CURRENCY

Art. 1 Purchase and sale

from to
1 BGN EUR free of charge
2 BGN USD/GBP/XAU free of charge
3 EUR BGN free of charge
4 USD/GBP/XAU BGN free of charge
5. EUR USD/GBP/XAU free of charge
6. USD/GBP/XAU EUR free of charge

CHAPTER VI. TRANSFERS

Art. 1 To account with MyFin

free of charge
Art. 2 To account with other Payment Service Provider

From account Currency and type of

transfer
1. BGN BGN (BISERA, incl. BGN 0.55
Instant BLINK transfers)
1.1. BGN BLINK P2P transfers BGN 0.55
2. BGN, EUR, USD, GBP EUR within EEA (SEPA BGN 0.55
transfers)
3. BGN, EUR, USD, GBP EUR, USD, GBP for 0.5% мин. 7
transfers via SWIFT USD
4. BGN, EUR, USD, GBP EUR transfer SUPERFAST EUR 5
Art. 3 Incoming transfer

1. to account free of charge

2. to card free of charge
Art. 4 Utility payments free of charge
Art. 5 Other fees and commissions
1. Blocking of transfers inconnection with fraud 10%
2. In case of wrong or missing IBAN of the beneficiary in EUR 20
the payer’s order
3. Inquiries for outgoing transfers to other banks upon BGN 15
request of the orderer
4. Inquiries for incoming transfers to a MyFin client’s BGN 15
account upon other bank’s request
5. Transfer in execution of garnishment BGN 10

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TARIFF

6. Cancellation of incoming transfer to account to a MyFin EUR 10

client’s account upon request by other bank
7. Claim, reminder, investigation EUR 20

Notes:
2. Instant BLINK transfers are executed when the PSP (Payment Service Provider) of the recipient is
available. Availability is when the PSP of the recipient is certified and included in the BLINK instant
payment system.
3. Transfers according to Art. 2, 1.1. are executed to recipients registered for the BLINK P2P service
with limits for the transfers as follows: a) Maximum transaction limit – BGN 500, b) 24 hour
transaction limit – BGN 2000
4. When executing payment operations in the EEA, the fees paid by the orderer and the recipient are
shared (SHA) – each one of them pays the fees due to their PSP.
When making a payment operation outside of EEA the fees due are paid (OUR/SHA/BEN) according
to the orderer’s preference and the terms of the payment system used.
5. In order the payment service provider is not responding via payment transaction with the European
Economic Area (EEA) the payment transaction perform under Latter Art. 2, item 3.
6. Payment orders accepted until 15:00 o’clock in MyFin shall be executed on the same working day
after this time shall be executed on the next working day (excl. BLINK transfers).
7. The fee according to Art 5, Item 1 shall be deducted from the amount of the transfer.
8. The fee according to Art 5, Item 5 is due in addition to the transfer fee.
9. The fee according to Art 5, Item 7 shell be deducted in case of requesting and obtaining additional
information regarding the transfer from correspondent or recipient bank.

CHAPTER VII. PACKAGES

Free Advanced Premium

(level 1) (level 2) (level 3)
Monthly fee free of charge BGN 12 BGN 20
1. Opening of account free of charge free of charge free of charge

2. Closing of account free of charge free of charge free of charge

3. Maintenance of Gold BGN 3 BGN 1.5 free of charge
account
4. Trusted beneficiary up to 5 number unlimited unlimited
supplement
5. Transfers
5.1. in BGN (incl. BLINK and BGN 0.55 BGN 0.30 free of charge
BLINK P2P)
5.2. SEPA transfers BGN 0.55 BGN 0.30 free of charge
5.3 in EUR within EEA EUR 5 EUR 3 free of charge
SuperFast
5.4. transfers via SWIFT 0.5% min. USD 7 0.3% min. USD 5 free of charge
6. Daily limits for transfer in 1000 5000 10000
account’s currency

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TARIFF

7. Accounts 1 3 4
8. Kids profile 1 3 unlimited
9. Digital card 1 3 (1 for each Up to 200(50
account) for each
account)
10. Virtual card 1 3 (1 for each Up to 200(50
account) for each
account)
11. Physical card 1 3 (1 for each Up to 200(50
account) for each
account)
12. Digital payment free of charge free of charge free of charge
13. Withdraw:
13.1. within EEA BGN 1 BGN 1 free of charge
13.2. outside EEA BGN 3 BGN 3 free of charge

Notes:
1. Limit for issuing Physical. Digital and Virtual cards - 2 per 24 hours

CHAPTER VIII. KIDS AND YOUTH PROFILE

Чл. 1 Opening of an account freе of charge

Чл. 2 Maintenance of an account free of charge

Чл. 3 Closing of the account, Kids and Youth profile free of charge
by ordered of the client, incl. before 6 months
have passed from conclusion of account
contract
Чл. 4 Debit card

4.1. Issuance free of charge

4.1.1. Reissuance due to expired free of charge
4.2. Monthly fee free of charge
4.3. Cash withdrawal within EEA free of charge
4.4. Cash withdrawal outside EEA
free of charge
4.5. Payment at POS free of charge
4.6. Reissuance due to loss, forgotten PIN code, theft, BGN 9.78
damage or other reason

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TARIFF

4.7. Delivery of an issued card at a client’s address by BGN 9.78

courier within the territory of the Republic of Bulgaria
4.8. Delivery of an issued card abroad by special courier BGN 55
upon customer’s request
Чл. 5 Дигитална карта

1. Заявка за издаване и активиране Без такса

2. Плащане Без такса

3. Месечна такса за обслужване Без такса

CHAPTER IX. OTHER SERVICES

Art. 1 Notifications
1. For the different payment services free of charge
Art. 2 Account information services free of charge

1. Balances free of charge

2. Transfers free of charge
3. Reports free of charge
Art. 3 Personal Management Finance /PFM/ free of charge

X. MANAGEMENT AND SETTINGS

Art. 1 Through МyFin

1. Amendment of registration data and information free of charge

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TARIFF

Additional and concluding provisions

ADDITIONAL PROVISIONS
1. MyFin shall execute instructions/orders are duly prepared and valid in form and
content.
2. All fees, commissions, interest and other costs shall be collected upon initiation of
the bank transaction, unless otherwise agreed with MyFin. These fees, commissions,
interest and other costs are not refundable, irrespective of the completion of the
transaction or its cancellation expect for the cases which are set in accordance with
MyFin’s terms or the effective legislation of the respective service.
3. All fees and commissions that are subject to VAT in compliance with the Value Added
Tax Act, include VAT, unless otherwise specified.

CONCLUDING PROVISIONS
§ 1. The present Tariff approved by decision of the Managing Board of MyFin on 02.10.2023
and come into force on 04.12.2023.

§ 2. MyFin provides the present Tariff on its Internet website: www.myfin.bg

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TARIFF

Related documents
1.1 Fee information document
1.2 Glossary of terms for the most representative services linked to a payment account
1.3 Levels of limits for debit cards
1.4 Levels of limits for credit cards
1.5 Levels of limits for pre-paid cards

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TARIFF

Contacts
PHONE WEBSITE

tel.: +359 2 902 44 31 website: www.myfin.bg

Company information:
MyFin EAD
111 P Tsarigradsko shose Blvd., 1784 Sofia
tel.: +359 2 902 44 31
website: www.myfin.bg

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