EOOD or OOD — receive GBP from UK and EU clients, hold BGN and EUR, send SEPA for EU payments. Open fully online from Sofia or anywhere in Bulgaria in 24 hours. No UK address required. Bulgaria's low-tax environment and thriving tech scene make a UK account a natural next step.
Whether you invoice UK clients in GBP, pay UK suppliers, or need to hold BGN alongside EUR and GBP for cross-border operations — one account covers it all. Ideal for Sofia tech companies, IT outsourcing firms, and exporters working with Western clients.
Get a real UK sort code and account number. UK customers pay you like a local — no SWIFT fees, no conversion losses, no delays waiting for international wires. Essential for Bulgaria's growing IT outsourcing and software sector.
Send Faster Payments and CHAPS directly in GBP. Stop converting BGN at your Bulgarian bank's rate before every invoice — pay from your GBP balance directly and keep more of your margin.
Keep a BGN balance in the same account. Avoid unnecessary currency conversions when you need to settle Bulgarian obligations from UK or EU revenue. BGN is pegged to EUR at 1.95583 — stable and predictable.
Your EUR wallet carries a dedicated IBAN. Bulgaria is a full SEPA member — send SEPA payments to EU counterparties at flat rates across 36 European countries. With Bulgaria's expected Euro adoption, your EUR infrastructure is already in place.
Keep UK revenue clean and distinct for Xero or QuickBooks. Accounting integrations included — no manual reconciliation between your Bulgarian and UK operations. Especially useful given Bulgaria's 10% flat corporate tax environment.
Issue cards for UK travel, events, or software subscriptions billed in GBP. Spend directly from your GBP balance — no conversion, no surprises on your statement. Works for the whole team, whether based in Sofia or elsewhere.
GBP payments within the UK in seconds, 24/7. The standard for paying UK suppliers and receiving from UK customers — instant and free for recipients.
BACS for bulk payroll and direct debits. CHAPS for same-day high-value GBP transfers with guaranteed settlement — essential for large UK transactions.
Send euros across 36 European countries. Bulgaria is a full SEPA member — send SEPA Instant in 10 seconds to EU counterparties, suppliers, and partners without needing a local EUR bank account.
International wire transfers to 200+ countries in any currency. For USD, CHF, SGD, BGN, and other transfers beyond the SEPA zone. For Bulgarian exporters with clients across multiple continents.
Complete the application on your phone or computer from anywhere in Bulgaria. Enter your BULSTAT / ЕИК number, EOOD or OOD registration details, director information, and business description. Takes around 15 minutes.
Upload your Bulgarian passport (паспорт) and complete a short liveness check via your camera. No branch visit, no notarisation, no apostille required. Cyrillic documents may require a certified English translation — the compliance team will advise if needed.
Once approved, you receive your UK sort code, account number, and IBANs for GBP, BGN, and EUR. Send your first payment the same day.
Prepare these before starting. A complete application means faster approval — typically same day.
Паспорт (Bulgarian passport) accepted. Must be current — not expired. A valid EU-issued document is also acceptable for non-Bulgarian nationals who are directors or UBOs.
Bank statement or utility bill in your name, dated within 3 months. Your Bulgarian home address is fine — no UK address required.
Issued by Агенция по вписванията (Registration Agency / Agency of Entries) from the Търговски регистър (Commercial Register / Trade Register). Confirms current company registration, structure, and directors. Your BULSTAT / ЕИК number identifies the company. Bulgarian Cyrillic documents may require a certified English translation — the compliance team will advise during review.
Details and ID for all persons owning 25% or more. Required under UK AML regulations for all accounts opened by non-UK entities.
Brief description of what your company does, who your customers are, and why you need a UK account. Be specific — vague answers slow the review process. Mentioning UK or EU clients and the nature of your work (e.g. IT services, outsourcing, exports) helps.
Bulgarian company, UK account. Online application, 24-hour approval, BGN + EUR + GBP and more currencies from day one.
Open Your UK Account →Payment services provided by Gemba Finance Limited (FCA FRN: 804853). ARIDANG acts as an introducer.