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.

More Secure Online Payments – 3-D Secure

3-D Secure is a service for higher security in online debit and credit card payments. When using this service, in addition to the standard details required by retailers in online payments – card number and expiration date, holder name and CVV (CVC) number – you have to enter a 3D password (combination of letters and digits) sent to your phone.

The 3-D Secure service allows you to sign up to the international card operator’s Mastercard Secure Code programmes for additional online payment security.

Which cards can use the 3-D Secure service?

Mastercard SecureCode can be used by holders of Maestro debit cards and Mastercard credit cards issued by Tokuda Bank.

How does 3-D Secure work?

Using the 3-D Secure service does not change how you have shopped until now. Before you complete the payment, you will be asked for your 3D password, which is only known to you. Only after you enter it correctly will you be able to pay with the card. This only makes your online purchases more secure when you pay at retailers signed up to Mastercard Secure Code.

Do the following for more secure payments:

First, register your card with the 3-D Secure service at a Tokuda Bank ATM or another ATM of the Bulgarian network Borica.

Then, start shopping online by visiting your favourite e-commerce websites. If the website requires that payments be made by entering a 3D code for additional security, a screen with the Mastercard SecureCode logo will appear.

  1. Enter your details and your card’s details.
  2. Enter your 3D password.
  3. Press the Submit button.

Online Banking

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

Learn more