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0700 1 70 70 or *7000

+359 700 1 70 70 from abroad

Visa Electron payWave

VISA Electron payWave issued by ProCredit Bank Bulgaria is an international debit card widely used around the world. VISA is accepted at all major trade centres and at most supermarkets, gas stations, etc.


The VISA Electron payWave debit card makes it easy to withdraw cash and make payments all over the world.

Currency BGN or EUR
Issue period 7 working days
Express issue period 3 working days
Validity period of the card 4 years
Limits and fees Please see the  Bank's price list

How to pay contactless with VISA Electron 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 BGN 50, PIN code entering is not required;
  • No signature is required regardless the amount.
  • Contactless payments for amount up to BGN 50;
  • No issuance fee;
  • No additional charge for products and services purchased using the card domestically;
  • Access to your money at all times;
  • Automatically pay electricity, phone, water, Internet and other bills, without having to visit a branch office;
  • Unlimited transfers - receive and send money to family members or partners;
  • A second card for a family member at no extra charge;
  • Option to use an overdraft or credit facility; 
  • Visa Electron payWave cards have a chip, which protects the cardholder from fraudulent activity.



Chose a card according to your needs!

  • Account with a VISA card in BGN or EUR.

Visit a branch of the Bank, convenient for you.

Safety recommendations for operating with the banking cards of ProCredit Bank (Bulgaria) AD on an ATM:

  • Favor 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:
Contact Centre phone number: *7000 or 0700 1 70 7; for contact us from abroad: +359700 1 70 70 or +35928135100+ 359 (0) 700 170 70 or *7000
Department Card payments phone number: +359 (2) 813 5261; 813 5262; 813 5727
BORIKA phone number: +359 (2) 970 26 00; 970 76 23.