Why did Bulgaria change currency

Withdraw money for free in Bulgaria

In order to ensure that your holiday remains without unpleasant surprises on your bank statement, you should be able to withdraw money free of charge in Bulgaria. Read here how it works.

You will also learn a lot of interesting facts about currency, banks, exchanging money, withdrawing cash from ATMs, the use of debit cards and credit cards as well as costs that you may have to face.

Account comparison - free international withdrawals

Many banks and savings banks charge high fees for cash withdrawals abroad. Withdraw money for free in Bulgaria and around the world with the accounts from our comparison!

- As of May 2021 -

Change money in Bulgaria or in Germany?

The lev, plural leva, is the national currency of Bulgaria. The import or export of foreign currency or national currency is possible without restriction, although different declaration limits must be observed. For German travelers, it is advisable to exchange money in Bulgaria itself. Foreign currency can be changed into the local currency in exchange offices, authorized hotels and banks, whereby the exchange of money in banks is much more transparent. It is important to keep the bill of exchange in order to be able to exchange the remaining leva before leaving the country.

Again and again, travelers wonder why there is often much less money left over when exchanging foreign currency in the exchange office. While some exchange offices apparently do not charge any fees, there is instead a clear discrepancy in relation to the exchange rates of the banks. Ultimately, it is a question of disguised costs, which are not infrequently accompanied by clever deception maneuvers. Problems often arise from the ambiguous course boards that are posted at the entrance to the exchange offices and indicate different rates.

In order to save yourself trips and to get the local currency without any problems, often at the best exchange rate, an alternative is to withdraw cash at the ATMs in the country. They are sufficiently available in the popular tourist locations, and EC / Maestro cards as well as major credit cards, e.g. Visa and Mastercard, are accepted. The withdrawal limit can be limited. Furthermore, it should be noted that cash fees usually apply, which add up to a fair amount, especially in the case of multiple withdrawals. Withdrawing money free of charge in Bulgaria should be the motto here, which can be easily implemented with a credit card from our comparison list.

Bulgarian banks

The number of Bulgarian banks is relatively small. The larger institutions should be mentioned here: Bulgarian National Bank, Bulbank Ltd., Bulgarian American Creditbank, Bulgarian Postbank, Central and Cooperative Bank, Commercial Bank Biochim, Corporate Commercial Bank.

There are also international banks with representations in Bulgaria, e.g.
BNP-Paribas, Citibank, ING Bank or Alpha Bank.

Banks in Bulgaria are normally open Monday to Friday from 9 a.m. to 4 p.m.


In Bulgaria, the lev is the official national currency and means of payment, most of which are leva. One lev is equal to 100 stotinki. The international currency code is BGN. There are banknotes in circulation with the values ​​2, 5, 10, 20, 50, 100 leva and coins of 1, 2, 5, 10, 20, 50 stotinki and 1 lev.

The prices in Bulgaria are particularly cheap by German standards. Whether it is a visit to a restaurant, snacks for in between or fashion shopping - holidaymakers can save really well here and still enjoy extensively. In some large shops, restaurants and hotels, especially in the tourist centers, it is also possible to pay in euros.

Pay with debit card and credit card in Bulgaria

The common credit cards Visa, Mastercard, American Express and Diners Club are accepted as means of payment in Bulgaria, especially in large hotels, upscale restaurants and shops as well as at rental car stations. The ec / Maestro card can also be used, but travelers should find out more about this in advance from the German bank that issued the card or the relevant savings banks. Experience reports from travelers also help here. With a credit card, there is usually greater certainty that it will be accepted as a means of payment.

Basically, you should rather rely on the cash payment. In this way you can avoid various fees if you have the right credit card to withdraw money in Bulgaria for free. The foreign transaction fee and cash fees will then no longer apply. Take a look at our table with the corresponding credit card offers.

Leva take off in Sofia, Varna, Plovdiv, Sunny Beach, Golden Sands, Pomorie

Get to know the most beautiful travel destinations in the country. The fantastic Black Sea coast with the holiday regions Sunny Beach and Golden Sands, the peninsulas Nessebar and Pomorie or the big cities like Sofia or Varna offer you the right destination for every travel wish.

You can withdraw cash in the local currency from ATMs in Bulgaria, which can be found in large numbers in popular holiday resorts and cities such as Sofia, Varna, Plovdiv, Sunny Beach, Golden Sands or Pomorie. EC / Maestro cards or common credit cards, e.g. from Visa or Mastercard, are used.

However, withdrawing cash abroad is associated with hefty costs, both for the EC card and the credit card. The so-called cash fees are often higher than the fees that customers of banks and savings banks pay at the machines of other German banks. The German bank issuing the card will inform you of the exact amount. Anyone who makes cash withdrawals several times a week during their vacation will certainly swallow when looking at the next account statement.

It is also completely free of charge - withdrawing money for free in Bulgaria is easy with the right credit card. In our comparison table, we have listed corresponding card offers from direct banks with which you can save a lot of fees in other countries around the world.

Fantastic sandy beaches on the Black Sea coast, enchanted natural sites, adventurous gorges and caves, imposing mountains, gentle hilly landscapes characterize Bulgaria as a special travel destination. Whether city, spa or beach vacation - all wishes are fulfilled here.

Sofia, the capital of Bulgaria, impresses with the imposing Vitosha Mountains, which are a popular destination for mountaineers and winter sports enthusiasts, the city also offers a rich, cultural offer for the whole family. Leisure fun, impressive relics from the Roman past, the famous Bachkovo monastery are just some of the important features of the city of Plovdiv on the Rhodope Mountains. The former tsar city of Veliko Tarnovo is one of the popular holiday highlights, because here you can still experience the Middle Ages up close through the numerous sights and buildings. The city of Blagoevgrad, an important spa town in Bulgaria, is an oasis of relaxation and offers nature lovers and hikers wonderful mountain and forest landscapes.

The fantastic Rila National Park is the landmark of the city of Samokov, which is lively and multifaceted. The large health resort of Sandanski attracts vacationers from all over the world. Small but extremely charming, the town of Tryavna has blossomed into a popular holiday destination for tourists from all over the world, and this is mainly due to the fascinating natural landscape. Winter sports fans get their money's worth in Bansko, as do spa guests who like to move up high. The mountains of the Balkan Mountains frame the small town of Teteven, where Bulgarian handicrafts are practiced with passion.

The Black Sea coast is the declared destination of beach holidaymakers in Bulgaria. Beaches for every taste await here. The holiday region of Golden Sands on the Bulgarian Black Sea coast is the Mecca of party people and is often referred to as the Ballermann in Bulgaria. The port city of Varna, in which the Golden Sands is located, invites you to stroll in the traditional markets or to walk in ancient footsteps. Bathing fun, shopping pleasure and cultural highlights make up the idyllic port city of Burgas. Sunny Beach is also one of the top spots in Bulgaria when the perfect beach holiday is in demand. Southern holiday flair, modern city life and an impressive past go hand in hand on the Nessebar peninsula. Fitness, sport and wellbeing, plus a cosmopolitan charm, make the Sveti Konstantin holiday destination a destination that best meets all holiday demands. Exclusivity, international flair, excellent shopping, spa centers and beach miles characterize the coveted holiday resort of Pomorie on the peninsula of the same name on the Black Sea coast.

So that the travel budget does not suffer from a lack of cash and you can enjoy the wonderful vacation time without ifs and buts, we recommend a credit card with which you can withdraw money free of charge in Bulgaria.

ATMs for flexible cash withdrawals in Bulgaria

ATMs for free withdrawals in Bulgaria with the right credit card can be found in the cities of Sofia, Plovdiv, Veliko Tarnovo, Blagoevgrad, Samokov, Sandanski, Tryavna, Bansko, Teteven and on the Black Sea coast in Varna, Golden Sands, Sunny Beach, Burgas, Nessebar, Sveti Constantine and Pomorie.