Visa Classic payWave Credit Card

This card is appropriate for clients who earn income under an employment contract, have been with their present employer for at least 3 months and who have their salaries paid into an account at ProCredit Bank, receive income in the form of pension transferred to an account in the bank, or for clients with business income or income from freelance work.

Limit From BGN 2 000 up to BGN 10 000 or the equivalent in EUR
Currency BGN, EUR
Grace period Up to 30 days
Validity period of the card 2 years with the option of automatic renewal
Bonus Free travel health insurance
Annual interest rate In accordance with our Interest Bulletin

How to pay contactless with VISA Classic payWave?

  • At the POS terminal or another prominent place in the premises look for a sign for contactless payment             
  • After the cashier enter the amount of the purchase bring your card to the specified location with the symbol of POS terminals;
  • The terminal has audible and light signal after the transaction is completed;
  • If the purchase is up to EUR 25, PIN code entering is not required;
  • No signature is required regardless the amount.


How do you repay your credit card balance?

Credit card balances are to be paid between the 26th day of the current month and the 5th day of the following month at the latest. A monthly statement is sent, detailing the transactions performed, as well as the interest due and the fees for the period under review. Prior to the repayment deadline, a notification is sent to your mobile phone via text message indicating the total amount due, the minimum repayment installment and the repayment period.


Balances can be repaid by:

  • Transfer from another account of yours;
  • Using the Internet or telephone banking to complete the transaction
  • Making a cash deposit at ProCredit Bank branch


The balance can be paid:

  • In full - If the entire balance is repaid by the 5th day of the month, no interest is charged
  • In part - You decide how much to repay each month, but each payment must be at least 5% of the amount due and no less than BGN 10.


If your card is lost or stolen, you can block it immediately by calling the ProCredit Bank call centre:  0 7001 70 70, 1 700 1 70 70 (for M-tel subscribers) or *7000.


  • Contactless payments for amount up to BGN 25
  • Pay for products and services purchased domestically, abroad or on the Internet without extra fees
  • Book hotels and plane tickets
  • Pay your electricity, phone, water and other bills at an ATM using the b-pay service. 
  • Visa Electron cards have a chip, which protects the cardholder from fraudulent activity
  • Option to receive text messages when withdrawals or payments are made using the card, thus allowing you to keep a check on your spending.


Required documents for clients with salaries:

  • Completed  loan application for private clients;
  • Completed  employer declaration (for private clients); 
  • Copy of the loan applicant’s and his/her spouse’s identity card;
  • Document certifying household income such as an employment contract and any annexes;
  • You will receive a response within 48 hours of submitting all required documents.

Every loan application is considered individually and additional documents may be asked according the opinion of the bank employee.


Required documents for customers with business income:

Safety recommendations for operating with the banking cards of ProCredit Bank on an ATM:

  • Give preference to ATM, positioned in a branch of a bank;
  • When entering your PIN, cover the keyboard with your hand and do not allow others to watch you;
  • Do not forget your card in the ATM slit;
  • If you find anything wrong during the operation, you can cancel it by pressing the CANCEL button;
  • If you are performing the operation abroad, pay attention whether the  logo, which is also attached to your card, is present on the ATM;
  • If the ATM withholds your card, contact the issuing bank or BORIKA (Banking Organization for Payment by Using Cards) immediately. The contact phones are indicated on the ATM;
  • Do not trust persons, who offer to help you and ask you to repeat the operation by entering your PIN code.

Safety recommendations for using the banking cards of ProCredit Bank on the Internet:

  • Locate the sign. If this sign is present on the site, this means that it has been verified by the international card organization, which makes it relatively safer;
  • Do not make payments from public access computers;
  • Do not leave the card number or your other personal data near your computer and do not put them in documents, files, etc.;
  • Do not give your personal data and these of your card to another, in order to avoid abuse when paying online;
  • Do not enter a PIN - in order to make a payment online, you don't enter a PIN, but a CVC (indicated on the back of the card itself).


Recommendations for keeping the PIN and the banking card


Keeping the Personal identification Number (PIN):

  • The PIN should be kept well, since it is through it that you access your funds. No one but you should know your PIN; 
  • It is best to memorize your PIN - do not write it down or give it to another person;
  • Do not keep you card and PIN together;
  • If you decide to change your PIN, do not use subsequent numbers or numbers, which are easy to guess, like birthdates, your phone number, your car, etc.

How to keep your banking card properly?

  • Protect your card from mechanical damage like bending, breaking, scratching, damping.


TELEPHONE NUMBERS for contact in the case of issues with the banking card
ProCredit Bank:
   Call Centre phone number: + 359 (0) 700 170 70 or *7000
   Card Payments Department phone numbers: +359 (2) 813 5261; 813 5262; 813 5727;
BORIKA phone numbers: +359 (2) 970 26 00; 970 76 23.