International Asset Bank

International Asset Bank AD is a Bulgarian commercial bank headquartered in Sofia and supervised by the Bulgarian National Bank. It offers standard retail and corporate banking services, including current and savings accounts in BGN and major foreign currencies, term deposits, domestic payments, SEPA transfers in EUR, international transfers via SWIFT, and debit cards, with internet and mobile banking for remote access. Lending products cover consumer, mortgage, and business financing; collateral, affordability checks, and other eligibility criteria apply under local regulation. The bank is a member of the Bulgarian Deposit Insurance Fund, which insures eligible deposits up to the equivalent of EUR 100,000 per depositor per bank, in line with EU rules. Digital channels use strong customer authentication under PSD2 and typically support 3-D Secure for online card transactions. Fees for account maintenance, transfers, cash operations, and currency exchange are listed in the published tariff and vary by product, currency, and channel; exchange rates and interest rates are updated periodically. Customer onboarding follows Bulgarian AML/KYC requirements, and non-residents may open accounts subject to documentation and compliance checks. The branch network covers major Bulgarian cities but is smaller than those of the largest local banks, which can matter for users who rely on in-person services. Product terms, limits, cut-off times, and service availability are defined in the bank’s general terms and specific product documentation and should be reviewed before account opening or loan applications.