Mastercard Business и Visa Business

Credit card

Important clarification! Upon the dual indication of the amounts in accordance with the Law on the Introduction of the Euro in the Republic of Bulgaria, the Bank presents the amounts in Euros with their respective indication in Levs, using the distinctive symbol (BGN). The indication in Euros and Levs has been made, using the official exchange rate 1 EUR = 1.95583 BGN.

About Mastercard/Visa Business

  • Grace period – up to 45 days for all card transactions;
  • Favourable interest rate outside the grace period - 15%* per annum in EUR and USD;
  • Annual fee of EUR 26 (BGN 50.86);
  • No issuance fee;
  • No purchase fees - in the points of purchase both in Bulgaria and abroad, as well as on the Internet;
  • Free SMS notification every month - providing information about the payables on the card;

* The annual percentage rate of charge for a card with a credit limit of EUR 500 and an interest rate of 15.00% is 25.80% (at an annual fee of EUR 21 (BGN 41.07)). When calculating APR, the grace period is not taken into account for up to 45 days; it is assumed that the entire amount of the credit limit is utilized immediately and fully, is granted for a period of one year and is repaid in 12 equal monthly instalments.

Contactless payments by Central Cooperative Bank credit cards - because they are fast, convenient and secure

Your credit card may be payWave or PayPass. You can use the card to withdraw money or make payments like any other credit card. The contactless payment is extremely easy - simply tap the card near the POS and the payment is instantly made. When you are in a hurry and make a purchase for a small amount or do not want to wait for your change, the contactless payments are very convenient. These transactions are also free of charge and enjoy the same high level of security as the chip card payments.

Learn more about the benefits of contactless payments

Tariff for credit card payments

Limits for Mastercard and Visa credit card transactions in EUR and USD

CCB AD ATMs

For additional information:

  • *5050 (Call charges are based on the tariffs and policies of the customer's mobile operator. Calls to a short number may not be included in the free minute package for which CCB cannot be held responsible);
  • 02/9266 500, as well as in all offices of Central Cooperative Bank;
  • or write to us to cards@ccbank.bg

**The insurance policy is in effect according to the general conditions of the insurance policy and  shall be valid for persons up to 70 years old uncompleted.

Application

You can get information about your card availability and payments at:

  • CCB Mobile - a mobile banking application of CCB, through which you can securely and quickly perform BGN (Leva) and foreign currency payments domestically and abroad, as well as initiate budget transfers. You have the possibility to receive information about the transactions and balances of your accounts and cards in the bank, manage your bank cards, negotiate exchange rates for currency purchase and sale, receive information about the status of your credit products, and pay utility bills;
  • Internet Banking - With this service you can quickly and safely make real-time transactions with your funds without visiting a CCB office – you need a computer, an Internet connection, and a Qualified Electronic Signature (QES).

CCB services aimed at ensuring the security of your card:

We recommend that you use the additional services we offer to better protect your card:

  • The SMS Detective service provides you with protection against fraud and misuse of your card. You will receive an SMS immediately after using your card at the time of payment at a point of sale, on the Internet, or in case of cash withdrawals. If you receive a SMS for a transaction that you have not ordered, immediately call the bank's 24-hour phones to block your card;
  • With CCB E-Secure you receive additional protection when shopping on the Internet with your card. Registration and use of E-Secure are completely free. The service is carried out jointly with card organizations Visa and Mastercard, having different names for the two organizations: Mastercard Identity Check/Mastercard SecureCode for Mastercard; Visa Secure/Verified by Visa or VbV for Visa. The service uses the 3-D Secure protocol, created to be an additional layer of security for online transactions with credit and debit cards. The "Secure Internet Payments" (E-Secure) service includes a two-factor authentication model for cardholders, by combining two separate components - a dynamic password and a static password for Internet payments, which are entered by the authorized user to confirm payment operations with a bank card;

Additional Services

  • With the Credit Limit + service you have the option to make payments with your credit card in amounts exceeding the card credit limit. By the Credit Limit plus service, the credit card amount is added to the credit limit;

Learn more about the security of your money

In case of stolen or lost card

In case your card is stolen or lost, you have to contact us to block it. Call CCB 24/7:

  • *5050 (Call charges are based on the tariffs and policies of the customer’s mobile operator. Calls to a short number may not be included in the free minute package for which CCB cannot be held responsible);
  • 02/9266 500;
  • 0889934694.

CCB AD ATMs

CCB Club Loyalty Program

Important clarification! Upon the dual indication of the amounts in accordance with the Law on the Introduction of the Euro in the Republic of Bulgaria, the Bank presents the amounts in Euros with their respective indication in Levs, using the distinctive symbol (BGN). The indication in Euros and Levs has been made, using the official exchange rate 1 EUR = 1.95583 BGN.

Become part of the CCB Club – the largest loyalty program in Bulgaria – and earn from your corporate purchases at LUKOIL and Bulgaria Air. Get exclusive corporate discounts:

  • For refuelling at Lukoil petrol stations: 3% for petrol or diesel and 2% for gas;
  • For a ticket from Bulgaria Air: 5%.

Enroll your company in the program by registering online, at Central Cooperative Bank branches, by calling the toll-free number: *5050.

The discounts are provided in the form of bonus points, which are accumulated in the company's CCB Club account. The points collected in the account can be used for new purchases at LUKOIL or Bulgaria Air.

Not only you, but your employees can also collect discounts on corporate purchases. Your company can have up to 10 cardholders with corporate club cards, which are used to accumulate discounts in the form of points to your corporate account.

What you gain by joining the CCB Club:

  • Preferential discounts - you receive preferential discounts on your corporate purchases from LUKOIL and Bulgaria Air, with no limit on the number of purchases or points. You become part of the first loyalty program in Bulgaria in which such large and famous partners provide exclusive discounts for companies.
  • Your corporate purchases bring you money - the more purchases the cardholders, linked to your company, make at the program partners, the more discounts will accumulate in your corporate CCB Club account.
  • Freedom of choice:

- How you will pay: You choose how to pay for the purchases to receive your corporate discount – in cash, by money transfer, or with a bank card from Central Cooperative Bank;
- How you will use the points: You decide for what and when the accumulated points will be used at LUKOIL or Bulgaria Air;
- How much you will pay with points: It is not necessary for the company's account to have enough points for the entire purchase. Bonus points can be used to pay for a part of the purchase, and the remaining amount can be paid in cash, with a debit or credit card;
- You determine who will use the points: You can register new cardholders to your corporate CCB Club registration – online or at a CCB office. You decide whether a registered cardholder can use the collected points for corporate purchases or has the right only to accumulate points for the benefit of the company;
- Free of charge: The issuance and usage of CCB Club cards is entirely free.

To receive discounts at LUKOIL and Bulgaria Air:
In order to receive points in your corporate account for purchases at partners, at least one of the following requirements must be met:

  • The company uses a loan or a credit card from CCB in the amount of a minimum of EUR 5,112.92 (BGN 10,000);
  • Your corporate accounts at CCB have a minimum balance of EUR 5,112.92 (BGN 10,000). Account balances are not blocked – you can use your funds and deposit sums into your accounts again at any time.

Register your company in the CCB Club now.

CCB Bonus Program

With your CCB credit card you receive discounts when purchasing with the merchants members of the CCB Bonus Program. The discount is received at the time of the purchase in more than 620 points of sale. Discover the exciting offers of CCB Bonus.

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