100% security
of the funds deposited as at the maturity date
Structured Deposit
INDEX S&P 500
For 36 months (3 years)
A deposit in USD with a guaranteed principal, a basic fixed annual interest rate and the potential for additional interest linked to the performance of the S&P 500® (SPX/ ISIN: US78378X1072).
Guaranteed interest
A basic annual interest rate
Additional interest
The opportunity to earn more
Achieve a return
Achieve a return without any risk to the sum deposited
The deposit consists of three periods, as follows
Long-term depositing — from 30.10.2026 to 30.10.2029, for a period of 36 months (3 years).
You receive a "2.00% basic fixed annual interest rate on the sum placed on deposit", together with the potential for additional interest depending on the performance of the index.The basic fixed annual interest is paid annually in advance and may be withdrawn at any time.If the deposit is closed early, before 36 months have elapsed:
- A penalty of 7.5% of the sum deposited
- You lose the opportunity to earn additional interest
- You lose your right to the basic fixed annual interest
- Any interest paid in advance will be withheld
Deposit characteristics (second period)
Currency:
USD
Term:
36 months (3 years)
Minimum amount:
5 000 USD
Partial withdrawal
not allowed
with the exception of interest
Additional payments in
are not allowed
Annual interest rate
Base fixed annual interest rate: 2.00%
Additional interest
Possibility of additional interest – according to the investment component
Penalties
Penalty for early termination – 7.5% of the deposited amount
How does it work?
Automatic transformation:
Useful information
Eurobank Bulgaria AD reserves the right to restrict the distribution of the product during the subscription period, about which it will provide timely notice on the website www.postbank.bg and/or at its bank branches.
This is intended for information purposes only and does not constitute investment advice, nor does it contain a recommendation and/or offer, or an invitation to enter into a transaction for the presented products. If interested in the product, you should carefully read the Key Information Document (KID), available on the website of Eurobank Bulgaria AD www.postbank.bg, as well as at the bank branches.
The index tracks the share performance of the 500 biggest American companies across a range of economic sectors. The selection is made on the basis of highest dividend yield.
Information regarding the values of the S&P 500® (SPX/ ISIN: US78378X1072) can be found at S&P 500® | S&P Dow Jones Indices.
Information about an investment component for 36 months (3 years).
| Underlying index | EURO STOXX® Select Dividend 30 (SD3E/ISIN: CH0020751589) |
| Initial fixing date | 30.10.2026 |
| Final fixing date | 25.10.2029 |
| Deposit maturity | 30.10.2029 |
| Participation in positive change | 13.01% |
| Minimum deposit amount | 5000 USD |
| Deposit Currency | USD |
| Deposit term | 36 months (3 years) |
| Principal guaranteed at maturity | 100% |
The additional interest is equal to 13.01% of the positive percentage change of the S&P 500® (SPX/ ISIN: US78378X1072) index for the second period of the deposit term. For calculating the index change, the values of the official closing levels of the S&P 500® (SPX/ ISIN: US78378X1072) as of 30.10.2026 and 25.10.2029 are used. The possible additional interest** is due for the entire 3-year second period and is paid in a lump sum at the maturity of the INDEX S&P 500 structured deposit for 36 months (3 years) only if there is a positive growth/change in the S&P 500® (SPX/ ISIN: US78378X1072) index for the respective deposit period. In the event of a negative performance of the reference index, the client does not receive additional interest, retaining 100% of the principal of their deposit. The payment of possible additional interest is not guaranteed and depends entirely on market factors – circumstances that are beyond the control of Eurobank Bulgaria and the depositors. In the event of early termination of the deposit, the client owes a penalty of 6.00% of the deposited amount.
**Sample scenarios for determining the potential additional interest for a 36-month (3-year) structured deposit INDEX S&P 500 for 36 months.
| Illustrative scenarios | Amount deposited in EUR | EURO STOXX Select Dividend 30 Index EUR (SD3E/ISIN:CH0020751589) | Percentage change EURO STOXX Select Dividend 30 Index EUR | Participation in the positive percentage change in the value of the index | Opportunity for additional interest in % | Amount of potential additional interest in euros (for 3 years) | |||
| Start date (24.07.2026) | Final fixing date(19.07.2029) | ||||||||
| Scenario 1 | 10 000 | 1000 | 1200 | 20.00% | 13.01% | 2.62 % | 262 | ||
| Scenario 2 | 10 000 | 1000 | 1080 | 8.00% | 13.01% | 1.04 % | 104 | ||
| Scenario 3 | 10 000 | 1000 | 900 | -10.00% | No additional interest shall be paid. | ||||
The examples provided are indicative and are given to illustrate the method for calculating the possible additional interest. The examples do not reflect future market movements of the index. The data used are for illustration purposes. More information can be found in the Key Information Document. This is intended for information purposes only and does not constitute investment advice, nor does it contain a recommendation and/or offer, or an invitation to conclude a transaction for the products presented.
