25 years One other bank
25 years One other bank
Our Story
Behind the Scenes at ProCredit
25 Years That Change the Direction
25 years - the moment when the past and the future join hands. A time when experience meets the courage to change the world. In human life, it is the age at which you know your strength and confidently set out on new paths.
For ProCredit Bank, these years are more than a calendar - they are traces: of decisions, trust, and people who believe that a bank can be a partner in meaningful change.
A testament that sustainability can walk hand in hand with innovation, and consistency - with courage.
Over this quarter century, we did not simply follow well‑trodden paths - we created new ones:
- models of partnership that listen and understand;
- financing that acts responsibly;
- banking that is digital, modern, and human.
Today we celebrate 25 years of experience that gives us the freedom:
- to look beyond the obvious,
- to question “it has always been this way,”
- to change direction — in the market, in business, in the very understanding of what banking can be.
And we celebrate it with a vision for the next 25 years.
From Traditional to Digital
The Story of a Bank That Never Stops Changing
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2001 – The Beginning
ProCredit Bank started its operations in Bulgaria with a clear mission: to support small businesses in the country through responsible and transparent banking. The Bank quickly established itself as a reliable partner for entrepreneurs by actively providing financing and developing suitable products and services.
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2005 – We Introduce Our Internet Banking System
A bold step that was ahead of its time and marked the beginning of our true digital transformation. This moment became a turning point, reshaping our connection with clients and opening the door to a new standard in modern, accessible, and secure banking.
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2005 – Introducing TCR: A New Standard in Customer Service
ProCredit Bank became the first in Bulgaria to implement cash‑deposit and cash‑dispensing machines (TCRs), transforming cash transactions into a faster, more accurate, and more secure process. This innovation expanded service possibilities and enabled cash operations to be carried out not only at teller counters but also at multiple service points, marking the beginning of a more flexible and modern customer experience.
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2007 – The First Online Loan Application Form in Bulgaria
ProCredit Bank became the first bank in the country to introduce the possibility for clients to apply for a loan online — directly through the website, quickly and easily, without visiting a branch. This innovation marked the beginning of digital lending in Bulgaria and redefined the standard for convenience, accessibility, and service across the entire banking sector.
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2010 – The New Headquarters: A Symbol of Transparency and Modern Banking
In the heart of Sofia, ProCredit Bank opened its new 11‑storey building featuring an impressive internal atrium and fully glazed spaces — an architectural concept that reflects the Bank’s philosophy of open and accessible banking.
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2010 – A New Service Model: Everything at a Single Counter
The Bank introduced a single‑counter service model, allowing cash transactions, payments, and account openings to be carried out without transferring clients between different employees. A true leap forward in customer convenience.
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2013 – The First 24/7 Zones in Bulgaria: Banking Without Opening Hours
ProCredit Bank became the first bank in Bulgaria to open fully equipped 24/7 self‑service zones. They allow clients to deposit and withdraw cash, initiate payments, and use internet banking — at any time of day or night. An innovation that transformed the service model.
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2015 – ProCredit’s First Office in Greece
ProCredit Bank expanded its presence beyond Bulgaria and opened its first office in Thessaloniki, Greece.
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2019 – The First Fully Online Bank Account
ProCredit Bank became the first bank in Bulgaria to enable the fully remote opening of an account — with electronic identification, online signing, and card delivery to the client’s address. Clients could now bank without visiting a branch.
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2022 – The First Carbon‑Neutral Office Building in Europe (EDGE)
ProCredit Bank’s headquarters became the first office building in Europe to receive EDGE certification for carbon neutrality — a strong statement of leadership in sustainable banking.
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2024 – The First Bank in Bulgaria with Completely Free Online Transfers (Including International Transfers)
ProCredit Bank announced the removal of all fees for online transfers — in local currency, foreign currency, and international payments — becoming the first bank in Bulgaria to make online bank transfers entirely free.
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2024 – Green CO₂ Calculator for Sustainable Business
ProCredit Bank developed an innovative Green CO₂ Calculator — a free digital tool that enables companies to independently calculate their carbon emissions in accordance with the international Greenhouse Gas Protocol standard. In this way, the Bank helps businesses meet new ESG requirements and plan their development more sustainably.
Behind the Scenes at ProCredit
