Structured Deposit
INDEX S&P 500
For 36 months (3 years)
A USD-denominated structured deposit offering principal protection, а fixed annual interest rate, and the possibility of additional interest, subject to a positive performance of the index S&P 500® (SPX/ ISIN: US78378X1072).
Benefits:
Guaranteed fixed annual interest rate
Opportunity to earn additional interest
linked to the performance of the S&P 500® index
Achieve a return
Opportunity to achieve additional returnwhile preserving 100% of the deposited principal at maturity
Risks:
In the event of early termination
during the second period, a penalty of 7.50% will apply
The investment is denominated in USD and is subject to
to currency risk for investors whose income and savings are in another currency
The additional interest is not guaranteed
In the absence of a positive change in the index
additional return may not be accrued
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 fixed interest amount is due at maturity, but is paid in advance on an annual basis during the second period and may be withdrawn at any time. If the deposit is closed early, before 36 months have elapsed:
- A penalty fee in the amount of 7.50% of the principal amount is due;
- You forfeit the opportunity to earn any additional interest;
- You forfeit your entitlement to the basic fixed annual interest rate;
- Any interest paid in advance will be recovered from the deposit amount.
Deposit characteristics (second period)
Currency:
USD
Term:
36 months (3 years)
Minimum balance required:
5 000 USD
Partial withdrawal
not allowed
with the exception of interest
Additional payments in
are not allowed
Accrued fixed annual interest rate:
2.00%
Possible additional interest
Possibility of additional interest - according to the investment component
Penalties
Penalty for early termination – 7.50% 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, of which it will provide timely notice on its website at www.postbank.bg and/or throught its bank branches.
This is provided for information purposes only and does not constitute investment advice, nor does it contain a recommendation, offer, or invitation to enter into a transaction relating to the products presented herein. If you are interested in this product, you should carefully read the Key Information Document (KID), available on the website of Eurobank Bulgaria AD at www.postbank.bg and at the Bank’s branches.
The index tracks the performance of 500 leading U.S companies across a broad range of economic sectors.
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 | S&P 500® (SPX/ ISIN: US78378X1072) |
| Initial fixing date | 30.10.2026 |
| Final fixing date | 25.10.2029 |
| Deposit maturity | 30.10.2029 |
| Participation in positive change | 17.00% |
| 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 17.00% of the positive percentage change in the S&P 500® Index (SPX/ ISIN: US78378X1072) during the second period of the deposit term. For the purpose of calculating the change in the index, the official closing levels of the S&P 500® (SPX/ ISIN: US78378X1072) as of 30.10.2026 and 25.10.2029 will be used. The potential additional interest** is due for the entire 3-year second period and is paid as lump sum upon maturity of the INDEX S&P 500 structured deposit for 36 months (3 years), provided that there is a positive increase/change in the S&P 500® (SPX/ ISIN: US78378X1072) during 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 7.50% 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 USD | S&P 500® (SPX/ ISIN: US78378X1072) | Percentage change S&P 500® (SPX/ ISIN: US78378X1072) | Participation in the positive percentage change in the value of the index | Opportunity for additional interest in % | Amount of potential additional interest in dollars (for 3 years) | |||
| Start date (30.10.2026) | Final fixing date(25.10.2029) | ||||||||
| Scenario 1 | 10 000 | 1000 | 1200 | 20.00% | 17.00% | 3.40 % | 340 | ||
| Scenario 2 | 10 000 | 1000 | 1080 | 8.00% | 17.00% | 1.36 % | 136 | ||
| 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.
