Current Accounts with Bank Card Mastercard DZEN for Retired Individuals

"Third Opportunity" current account in BGN with a bank card Mastercard DZEN intended only for retired individuals. Option for getting an overdraft.



You are a Bulgarian individual of legal age receiving a pension for life: personal contributory retirement pension, indefinite disability pension or a personal special merit pension. We will provide you with:

  • BGN current account
  • Bank card issued free of charge
  • Higher interest rate compared to a standard current account, according to the Interest Rate Bulletin.


  • No account opening or closure charge.
  • No fee for withdrawing cash with a bank card issued to the account from an ATM operated by Tokuda Bank or UniCredit Bulbank.
  • Receive your pension into the bank account in a timely and secure fashion.
  • Your funds are available at any time of the day with a bank card issued to your account.
  • Option of accessing additional funds if you have applied for an account overdraft*.

* An overdraft may be approved for an amount of up to one month’s life pension, but no more than the fixed maximum pension amount.