D Commerce Bank

D Commerce Bank AD is a Bulgarian credit institution headquartered in Sofia, licensed and supervised by the Bulgarian National Bank and covered by the national deposit guarantee scheme up to the EU-standard EUR 100,000 per depositor. The bank offers retail and business current and savings accounts in BGN and major foreign currencies, term deposits, domestic and cross-border payments including SEPA in euro, and international transfers via SWIFT in other currencies. Card services include debit and credit products on Visa and Mastercard with 3-D Secure for e-commerce and standard cash withdrawal options through its ATM and partner networks. Lending spans unsecured consumer loans, mortgages, overdrafts, SME working-capital and investment loans, and trade-finance instruments such as guarantees and letters of credit. Digital channels comprise online banking and a mobile app for iOS and Android supporting payment initiation, beneficiary management, card controls, and notifications, with authentication aligned to PSD2 strong customer authentication requirements. Business clients typically have access to bulk and payroll payments, user-rights administration, file import formats, and FX services for cross-border operations. Fees apply to account maintenance, transfers, cash transactions, cards, and currency conversion; pricing, limits, and service terms are defined in the bank’s published tariff and general conditions and are subject to change. Account opening follows standard KYC and AML procedures and may require in-branch verification; non-resident customers and legal entities should expect additional documentation such as proof of source of funds and corporate records. Branches are concentrated in larger cities, so customers dependent on in-person service should confirm availability and hours. Interest rates, payment cut-off times, and lending eligibility depend on product terms and credit assessment.