Texim Bank

Texim Bank AD is a Bulgarian commercial bank headquartered in Sofia and licensed and supervised by the Bulgarian National Bank. The bank offers retail and business accounts in BGN and EUR, term deposits, domestic and international payments (including SEPA euro transfers and SWIFT), and debit and credit cards from major international schemes with 3D Secure support. Digital channels include internet and mobile banking for transfers, bill payments, card controls, and statements, while cash services and card-based access to local and international ATM networks are available. Lending covers consumer and mortgage products for individuals and working capital, overdraft, and investment loans for businesses, typically subject to collateral and standard credit assessment. Fees are set out in a published tariff and commonly include account maintenance, transfer charges, card and ATM fees, and foreign exchange markups; rates and charges vary by product and customer segment. The branch footprint is modest compared with larger Bulgarian banks, so customers should check availability of in-person services in their area; onboarding and certain operations may require a branch visit depending on customer status and regulatory requirements. Deposits are protected by the Bulgarian Deposit Insurance Fund up to BGN 196,000 per depositor per bank, subject to legal exclusions. Account opening and service access are contingent on KYC/AML verification, proof of source of funds, and the bank’s risk policy; non-resident and higher-risk profiles may face enhanced due diligence or be declined. Processing cut-off times, transfer execution speeds, card limits, and daily payment limits are defined in the bank’s terms and can affect transaction timing. Interest rates on deposits and loans are variable and depend on market conditions and product specifics; customers should review the current schedule, general terms, and applicable fees before engaging services.