Investbank

Investbank AD is a Bulgarian commercial bank headquartered in Sofia and supervised by the Bulgarian National Bank, operating under EU and local prudential rules (CRR/CRD) and payment regulations (PSD2). Its portfolio covers retail, SME, and corporate banking, including current and savings accounts in BGN and major foreign currencies, term deposits, debit and credit cards, domestic and cross-border payments, consumer and business loans, mortgages, overdrafts, and trade finance instruments such as letters of credit and guarantees. Digital access is provided through internet and mobile banking with strong customer authentication; cards typically support 3-D Secure for online purchases. Deposits are protected by the Bulgarian Deposit Insurance Fund up to the euro 100,000 equivalent per depositor per bank, subject to statutory exclusions and aggregation rules. Euro transfers generally route via SEPA, while other cross-border payments use SWIFT with corresponding fees and FX conversion where applicable. Pricing is defined in the bank’s published tariff and general terms, covering account maintenance, transfers, cash operations, card issuance and usage, and early repayment or collateral-related charges on credit products; FX margins apply on currency exchange. Credit terms depend on client profile, collateral, and market rates, and variable-rate products may reprice with changes in reference indexes or bank base rates. Standard onboarding follows KYC/AML requirements, with potential additional documentation for higher-risk profiles or non-residents. Operational details, capital ratios, and risk disclosures are available in the bank’s annual and interim reports and Pillar 3 publications. Prospective clients should review the fee schedule, interest rate methodology, deposit insurance conditions, card and e-banking security responsibilities, and the bank’s complaints process and competent authorities before opening accounts or signing loan agreements; key risks include interest rate changes, foreign exchange exposure on non-BGN balances, and counterparty risk beyond the deposit guarantee limit.