[{"data":1,"prerenderedAt":101},["ShallowReactive",2],{"guide-banking":3},{"id":4,"title":5,"body":6,"description":85,"extension":86,"icon":87,"lastReviewed":88,"locale":89,"meta":90,"navigation":91,"path":92,"readMinutes":93,"seo":94,"sources":95,"stem":98,"updated":99,"__hash__":100},"guides\u002Fguides\u002Fbanking.md","Opening a bank account in Bulgaria",{"type":7,"value":8,"toc":79},"minimark",[9,13,18,41,53,57,68],[10,11,12],"p",{},"You can open an account as a foreigner, but the experience varies wildly by branch. Walk in with the right documents and a bit of patience and you'll be fine.",[14,15,17],"h2",{"id":16},"what-youll-need","What you'll need",[19,20,21,35,38],"ul",{},[22,23,24,25,30,31],"li",{},"Passport and your ",[26,27,29],"term",{"gloss":28},"Единен граждански номер — personal ID number for residents","ЕГН"," or ",[26,32,34],{"gloss":33},"Личен номер на чужденец — personal number for foreigners","ЛНЧ",[22,36,37],{},"Proof of address",[22,39,40],{},"Sometimes proof of income or a reason for the account — ask the branch in advance",[42,43,45],"callout",{"type":44},"info",[10,46,47,48,52],{},"Branches differ more than banks do. If one branch turns you away, another branch of the ",[49,50,51],"strong",{},"same bank"," may happily open the account. Phone ahead and ask which branch handles foreign customers.",[14,54,56],{"id":55},"fees-to-ask-about-up-front","Fees to ask about up front",[19,58,59,62,65],{},[22,60,61],{},"Monthly maintenance fee",[22,63,64],{},"ATM withdrawal fees outside the bank's own network",[22,66,67],{},"Card issuance and renewal fees",[42,69,71],{"type":70},"success",[10,72,73,74,78],{},"Until your local account is set up, a ",[26,75,77],{"gloss":76},"A multi-currency account most expats use here","Wise"," card works at virtually every Bulgarian POS terminal at the real exchange rate.",{"title":80,"searchDepth":81,"depth":81,"links":82},"",2,[83,84],{"id":16,"depth":81,"text":17},{"id":55,"depth":81,"text":56},"Which banks actually accept foreigners, fees nobody tells you about, and what cards work where.","md","landmark","2026-05-09","en",{},true,"\u002Fguides\u002Fbanking",8,{"title":5,"description":85},[96],{"label":97,"reviewed":88},"NamasteBG community survey, May 2026","guides\u002Fbanking","May 2026","Gi6T6l7eB5iAOuytAfbDmUNHJB7ifM2gvOK_v07M6jg",1786194246305]