UniCredit Bulbank

Financial Services90% confidence

UniCredit Bulbank is a major Bulgarian bank offering retail, corporate, and investment banking services as part of the UniCredit Group.

Sofia, Bulgaria
unicreditbulbank.bg
Owned by UniCredit S.p.A.

About UniCredit Bulbank

UniCredit Bulbank is one of the largest commercial banks in Bulgaria and a member of the pan-European UniCredit Group. It provides a full range of financial services including current and savings accounts, debit and credit cards, consumer and mortgage loans, business banking, investment products, and digital banking solutions. Based in Sofia, the bank serves both individual customers and corporate clients through its branch network, ATMs, and online and mobile banking platforms.

A charge labeled like “UNICREDIT A5400681 SOFIA BGR - BG” typically relates to a banking transaction processed through UniCredit Bulbank in Bulgaria. This could be an ATM cash withdrawal, a card purchase processed via their acquiring network, account fees, interest charges, currency conversion, or other banking services. The numeric code (such as “A5400681”) is often an internal reference or terminal/branch identifier tied to a specific ATM, POS terminal, or transaction.

If you have questions about this charge, start by checking your recent ATM withdrawals, card payments in Bulgaria, or any fees and commissions listed in your account statement through online or mobile banking. You can contact UniCredit Bulbank customer service via the phone numbers or contact forms listed on their official website, or by visiting a local branch if you are in Bulgaria. Have your card, account details, and transaction date/amount ready so they can locate the transaction quickly and explain its nature, reverse erroneous charges if applicable, or help you dispute unauthorized activity.

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to UniCredit Bulbank.

  1. UNICREDIT A5400681 SOFIA BGR - BG

Frequently Asked Questions

What type of transaction usually appears as “UNICREDIT” with a code and Sofia, Bulgaria on my statement?

This descriptor normally indicates a banking transaction processed by UniCredit Bulbank in Bulgaria, such as an ATM cash withdrawal, a POS card payment at a merchant acquired by UniCredit, or certain bank fees or commissions. The code following “UNICREDIT” is typically an internal terminal or reference ID.

Could this UniCredit Bulbank charge be from an ATM withdrawal?

Yes. If you used an ATM in Bulgaria (or an ATM serviced by UniCredit Bulbank), the transaction may appear as “UNICREDIT” followed by a numeric code and “SOFIA BGR - BG.” Check your cash withdrawals around that date and amount to confirm.

Why was I charged extra by UniCredit Bulbank for a foreign card transaction?

If you used a foreign card at a UniCredit Bulbank ATM or merchant terminal, additional charges can come from cash withdrawal fees, foreign transaction fees, currency conversion, or dynamic currency conversion (DCC). These fees are usually disclosed on the ATM or POS screen before you confirm the transaction and are then passed through to your card statement.

How can I dispute or clarify a UniCredit Bulbank transaction on my card?

First compare the date and amount with your receipts, ATM withdrawals, and known purchases in Bulgaria. If it still looks unfamiliar, contact the bank that issued your card (the number on the back of your card) and provide the full descriptor and amount. They can initiate a dispute with UniCredit Bulbank through the card network if necessary. If you are a UniCredit Bulbank customer, you can also call their customer service or visit a branch directly.

Does UniCredit Bulbank place temporary holds or pending amounts on cards?

Yes. When you perform certain operations such as ATM withdrawals, fuel station pre-authorizations, or hotel and car rental deposits, UniCredit Bulbank may place a temporary authorization hold on your card. This can appear as a pending charge and usually adjusts to the final amount or disappears within a few business days.

How can I get a detailed receipt or breakdown for a UniCredit Bulbank transaction?

If you are a UniCredit Bulbank account holder, you can log into online or mobile banking to view transaction details, or request a detailed statement at a branch. For cardholders of other banks, you should check your own bank’s statement first; if more detail is needed for a specific ATM or POS operation processed by UniCredit Bulbank, your bank can request additional information through the card network.

Can recurring fees or subscriptions appear under a UniCredit Bulbank descriptor?

UniCredit Bulbank itself typically does not bill retail subscriptions, but recurring payments to merchants in Bulgaria that bank or acquire through UniCredit may show a descriptor that starts with “UNICREDIT” plus a code. Review which services or merchants in Bulgaria you might have set up recurring payments with and match the dates and amounts to those agreements.

How do I contact UniCredit Bulbank about a suspicious transaction?

If you are a UniCredit Bulbank customer, use the contact phone numbers on your card or visit unicreditbulbank.bg for customer service hotlines, online contact forms, and branch locators. If your card was issued by another bank, you should contact your own bank first; they will coordinate with UniCredit Bulbank through Visa or Mastercard if an investigation is required.

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