Bank card Mastercard DZEN with overdraft for retired individuals

The Mastercard DZEN for pensioners has an attractive interest rate and a Third Opportunity overdraft facility.

This bank card is intended for retired customers receiving their pension into a current account with the Bank. We also offer an overdraft facility with a limit of one monthly life pension.



Account currency


Card validity

48 months

Minimum balance


  • No fees or commissions for withdrawing cash from an ATM operated by Tokuda Bank or UniCredit Bulbank.
  • Free activation of the Automatic Utility Bill Payment Package – no registration or annual maintenance charges.
  • Easy access to the funds in your account at any time of the day.
  • Make secure online payments using the 3-D Secure service.
  • Access to additional funds from the account linked to your card in the form of an overdraft facility
  • Maximum security during card use is ensured by the latest generation chip technology.
  • You can receive transfers into the account linked to your card from other banks in Bulgaria and abroad.
  • You can ask to have more cards issued to relatives and family members and keep track of the transactions executed with them by checking the transactions on your account.
  • You can limit the access of the card(s) to Bulgaria and set individual limits on the use of the funds in your account.


  • You must be a Bulgarian national.
  • You must receive a pension for life: personal contributory retirement pension, indefinite disability pension or a personal special merit pension.

How to Apply

At a bank branch

Go to a bank branch and apply for your new card.

Online Enquiry

Complete the online enquiry form and one of our consultants will get back to you.

Further options

Payment of Utility Bills

You can pay your utility, subscription or other bills at an ATM, online at or via the additional service “Electronic Utility Bills – Automatic Bill Payment”.

Text Message Notification

We recommend you use the text message notification service for transactions executed in Bulgaria or abroad. It provides additional security and information on payments made using your card.

Secure Internet Payments - 3DS Card Security

By participating in the Mastercard Secure Code Program for the use of a 3DS code for secure payments on the Internet, additional security is provided for payments with bank cards issued by Tokuda Bank AD on e-commerce sites to merchants participating in the program.

The use of the Mastercard Identity Check 3DS Program for secure payments on the Internet is also ensured by the already familiar identification method, with the introduction of an additional, static 3D password and a one-time dynamic 3D password sent by SMS.

• A static, permanent password to confirm online card payments is delivered to you with your card PIN letter

• A dynamic one-time password is delivered to you via SMS during an online transaction

Every time you pay on the Internet, the payment will be confirmed only by a combination of the two passwords - a static 3D password known only to you and a one-time dynamic 3D password that you receive on your mobile number registered with the Bank. The combination of these two passwords provides you with high security of payment operations carried out with a card on the Internet.

To change your static password, which you already know and use, but would like to change, please use the link here: 3-D Secure Enrollment (


Online Banking

Online banking is a secure and reliable system available at any time and place, at your disposal 24 hours a day.

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