UniCredit Bulbank review

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

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Our verdict

UniCredit Bulbank pairs a 4.44% APR on personal and debt consolidation lending with a promotional fixed mortgage, which suits borrowers in Bulgaria who want one regulated bank for everyday money and their home. Borrowing runs €250 to €50,000 over a term of 3 to 120, with purchases and remortgaging in the same relationship.

Key facts

Best for
A Bulgarian borrower who wants consumer loans and a fixed rate mortgage from one regulated bank.
APR
4.44% (Source, checked September 26, 2026)
Loan amount
€250 to €50,000 (Source, checked September 26, 2026)
Term
3 to 120 months (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, Debt-consolidation (Source, checked September 26, 2026)
Legal entity
UniCredit Bulbank AD (UniCredit Bulbank EAD), UIC 831919536 (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)
Official website
unicreditbulbank.bg

Mortgages

Initial rate
2.89% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Maximum loan to value
85% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
UniCredit Bulbank AD (UniCredit Bulbank EAD), UIC 831919536 (Source, checked September 26, 2026)
Headquarters
Bulgaria (Source, checked September 26, 2026)
Support channels
Phone, Email, Chat (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • One bank for personal and debt consolidation loans plus a mortgage written for purchase and remortgage, so borrowing and property sit in the same relationship.
  • The standard mortgage carries a product fee of €0.
  • Terms of 3 to 120 cover everything from a small extra cost to a full debt consolidation.
  • Support runs on phone, email and chat, and the bank holds a Bulgarian National Bank licence.

Cons

  • Consumer lending is priced on a variable rate, so the personal loan repayment can move after the account is opened.
  • Personal borrowing stops at €250 to €50,000, well below the €8,769,622.03 reached by some lenders, so larger finance needs another provider.
  • The fixed mortgage period is 5, shorter than the 6.5 across lenders, so a refinance comes round sooner.
UniCredit Bulbank

Ready to try UniCredit Bulbank?

Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Bulgaria who want personal and debt consolidation lending alongside a home purchase from one bank.
  • Anyone planning a purchase or a remortgage who can hold a fixed mortgage rate for 5.
  • Consumers comfortable with a variable rate on personal borrowing of €250 to €50,000 and phone, email or chat help.

Who should look elsewhere

  • Borrowers who want fixed consumer rates can price Monzo Flex at 10% to 23% before deciding.
  • Anyone after a no interest option should look at Cashspace ES, where the APR is 0%.

How your money is protected

UniCredit Bulbank is a direct lender, so the application, the loan and every repayment run between you and the bank rather than through a broker. It holds a licence from the Bulgarian National Bank (Balgarska narodna banka) in Bulgaria, the authority that supervises banks and their lending there. The loan contract and the account both sit with that licensed bank.

The company behind it

The lender is UniCredit Bulbank AD, which also trades as UniCredit Bulbank EAD, and its headquarters sit in Bulgaria. You reach the bank on phone, email and chat, and the licence from the Bulgarian National Bank (Balgarska narodna banka) means its dealings are supervised rather than left to self declaration. The contract, the account and the support line all sit with that named bank.

How UniCredit Bulbank compares

Where UniCredit Bulbank is available

Available
Bulgaria
Licence in Bulgaria
Bulgarian National Bank (Balgarska narodna banka) (Order No RD 22-2249/16.11.2009), checked September 26, 2026

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

Frequently asked questions

What APR do I pay on a personal loan?+

The stated annual percentage rate is 4.44% for personal and debt consolidation borrowing. Personal loans are priced on a variable rate, so the figure quoted at application is the one that applies and can move as market conditions change. Borrowing runs €250 to €50,000 with terms of 3 to 120.

How much can I borrow, and for how long?+

Personal and debt consolidation loans run €250 to €50,000, with a term of 3 to 120. The lower end suits a small extra expense, while the upper end covers a larger renovation or a set of existing debts brought into a single loan. Longer terms spread the repayment, though more interest is paid over the life of the loan.

Is UniCredit Bulbank regulated?+

Yes. The bank is licensed by the Bulgarian National Bank (Balgarska narodna banka), the authority that supervises banks and their lending in Bulgaria. It is a direct lender, so the agreement, the account and the repayments are all held with the licensed bank rather than with a broker or a reseller.

What does the mortgage cost?+

The promotional fixed mortgage opens at an initial rate of 2.89%, held for 5, and is written for purchases and remortgaging. The standard mortgage carries a product fee of €0, and lending goes up to a maximum loan to value of 85%, so part of the value comes from you.

How do I get in touch with the bank?+

Support runs on phone, email and chat, so a call, an email or a live chat reaches the bank that holds the loan. Questions about the loan, the mortgage rate or the account are handled by the licensed lender itself, which keeps the conversation with the same legal entity that signs the agreement.

Is this a bank or a broker?+

It is the bank itself rather than a reseller. UniCredit Bulbank AD, which also trades as UniCredit Bulbank EAD, is a direct lender, so the application, the decision and the loan contract all come from the same institution that holds the account.

How does the rate compare with the market?+

The site median APR across lenders is 12% and the lower quartile is 6.13%, while the UniCredit Bulbank personal loan rate is 4.44%. That places the bank below the typical consumer loan rate here, and the mortgage promo at 2.89% sits under the 4.35% median for initial rates.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

UniCredit Bulbank

UniCredit Bulbank

A Bulgarian borrower who wants consumer loans and a fixed rate mortgage from one regulated bank.

9.2/10See alternatives

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