Postbank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Postbank suits borrowers in Bulgaria who want a straightforward personal loan from a bank they already bank with, without paying an arrangement fee. Borrowing runs 9.31% to 29.65% against a site median of 12%, and the loan is paid out to a Postbank current account.

Key facts

Best for
Bulgarian borrowers with a Postbank current account who want a fee-free personal loan.
APR
9.31% to 29.65% (Source, checked September 26, 2026)
Loan amount
€250 to €50,000 (Source, checked September 26, 2026)
Term
6 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Instant online application and digital signing, disbursed to a Postbank current account (Source, checked September 26, 2026)
Representative example
30 000 EUR over 96 months at 5.99% interest, GPR 8.42%, monthly instalment 394.10 EUR, total repayable 40 874.05 EUR (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Eurobank Bulgaria AD (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
postbank.bg

Mortgages

Initial rate
3.9% (Source, checked September 26, 2026)
APRC
4.12% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
85% (Source, checked September 26, 2026)
Product fee
€230 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Eurobank Bulgaria AD (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Email, Phone, Chat (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • No arrangement fee on the personal loan: 0 EUR
  • Money is paid out to your Postbank current account after an online application and digital signing
  • Amounts run €250 to €50,000 and terms 6 to 120
  • Support runs by email, phone and chat

Cons

  • The credit check is hard
  • A product fee of €230 applies on the housing loan
  • The personal loan rate is variable, so payments can move
Postbank

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Bulgarian borrowers already holding a Postbank current account
  • Adults planning a home improvement who want one lump sum rather than a revolving line
  • Borrowers who prefer a direct lender rather than a broker

Who should look elsewhere

  • Anyone who needs a fixed rate on the personal loan, since the rate type is variable
  • People wanting a revolving credit line
  • Borrowers shopping mainly on the lowest advertised rate

The company behind it

The lender behind Postbank is Eurobank Bulgaria AD, based in Bulgaria and trading since 1991. It lends directly rather than acting as a broker, and the same bank handles the personal loan, the housing loan and the current account the money is paid into. Customer service runs on email, phone and chat, so help is available without visiting a branch.

How Postbank compares

Where Postbank is available

Available
Bulgaria

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Postbank charge on a personal loan?+

The personal loan runs at 9.31% to 29.65%, against a site median of 12% and a site low of 6.13%. The rate is variable, so the figure you are offered depends on your credit profile at the point of application.

Is there an arrangement fee?+

No. The arrangement fee on the personal loan is 0 EUR, so borrowing costs you the interest and nothing else at the start. The housing loan is different, and carries a product fee of €230.

How much can I borrow and over what term?+

Personal loans run €250 to €50,000 and 6 to 120, which is wide enough for both a small repair and a larger renovation. The type listed is personal, and home improvement is the use case it is aimed at.

How quickly is the money paid out?+

The application and signing are done online, and the money is paid out to a Postbank current account. The feature listed is same day funding, and you hold the account with the same bank that lends to you.

What does the credit check involve?+

The credit check is hard, which means an application leaves a visible mark on your file. Hard checks are the norm on the site, carried by 72.7% of lenders, so a declined application still costs you something.

What does the representative example show?+

The published example sets out the amount borrowed, the term, the interest rate applied, the monthly instalment and the total repayable over the life of the loan. The personal loan sits at 9.31% to 29.65%, so check the total repayable figure against what a lower headline rate elsewhere would cost before deciding.

Who lends the money?+

The lender is Eurobank Bulgaria AD, and the lender type is direct lender, so you deal with the bank rather than a broker or a marketplace. It has traded since 1991 from BG.

What does the housing loan look like?+

The housing loan starts at an initial rate of 3.9% with an APRC of 4.12%, fixed for 10, and the maximum loan to value is 85%. It is offered for buying a home and for remortgaging, at a product fee of €230.

Sources

  • postbank.bg checked September 26, 2026

    Backs: Support channels

    “Write to us, call us on 0700 18 555, Ask EVA chatbot”

  • postbank.bg/potrebitelski-krediti/potrebitelski-kredit checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Features, Funding time, Legal entity, Lender type, Loan types, Pricing model, Arrangement fee, Rate type, Representative example, Term, Use cases

    “Consumer loan Postbank: you can choose an amount from 250 to 50 000 EUR and a term of up to 120 months”

  • postbank.bg/za-nas checked September 26, 2026

    Backs: Founded, Headquarters

    “1991: the beginning of a strong bank - the start of Bulgarian Post Bank”

  • postbank.bg/zhilishtni-krediti/zhilishten-kredit checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Lihva (parvi 10 g.): 3,90% fiksirana - Zhilishen kredit s fiksirana likhva za parvite 10 godini”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Postbank

Postbank

Bulgarian borrowers with a Postbank current account who want a fee-free personal loan.

9.1/10See alternatives

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