Postbank

• How will securities and other financial instruments be converted?
  

Upon euro adoption, all government securities (e.g., government bonds) previously denominated in BGN will be automatically converted to euros. This also applies to other types of investments in debt instruments (e.g., bonds) and shares of Bulgarian companies registered with the Central Depository. The nominal value conversion will be carried out by the Central Depository. If the bond or financial instrument has a fixed interest rate, it will remain unchanged after the transition. The conversion must ensure that interest payments in euros are equivalent to those in BGN. For instruments with variable interest rates, the issuer’s methodology will apply, in accordance with the Euro Adoption Law, ensuring no adverse conditions for investors.

• What happens to my safe deposit box agreement after euro adoption?
  

From the date of euro adoption, all fees for safe deposit boxes, as per the bank’s tariff, will be automatically converted to euros.

• What happens to my standing payment agreements after euro adoption?
  

From the date of euro adoption, the BGN equivalent of standing payments will be automatically converted to euros. From day one, all standing payments will be executed exclusively in euros.

• What happens to the "Direct Debit" service after the adoption of the euro?
  

As of the euro adoption date, the “Direct Debit” service will be discontinued, including its execution in individual cases. This means that after this date:

• No new direct debit consents will be accepted;
• Interbank transfers based on already given consents will no longer be executed;
• Payment requests via direct debit to accounts in other banks will not be initiated.

What remains possible:

• Direct debits between accounts held at Postbank will continue to be executed, provided a valid consent given before January 1, 2026;
• Payments to Postbank (e.g., for loan or insurance obligations) will continue without changes, in accordance with the existing contracts and General Terms and Conditions.

Important:
If you have provided consent for direct debit payments to suppliers with accounts in other banks, these payment requests will not be received or executed after January 1, 2026. We recommend contacting the respective supplier to arrange an alternative payment method.