DSK Bank SPJSC - Sofia - Short Company profile

In 2025, banks collected a record over BGN 2.3 billion in fees Over the past decade or so, we have witnessed a continuous increase in the prices of banking services, especially those that are most in demand by consumers. According to BNB data, in 2025, banks collected over BGN 2.3 billion in fees and commissions from their clients - individuals and companies, which is an increase of 12% on an annual basis. The share of these revenues in the total net operating income of banks is also growing, exceeding 20%. The fees collected by banks are very diverse and numerous, there is no unified format for bank tariffs, and comparing the prices of individual banking services is extremely difficult. This limits the ability of consumers to make a rational choice and reduces competition, notes "Active Consumers". The non-governmental organization published an extremely interesting study of the fees for the most used banking services, namely: monthly bank account maintenance, credit transfer to the same or another bank online and at the cash desk, cash withdrawal and deposit, as well as ATM withdrawal. Most banks have increased the monthly account maintenance fee during this period. The fee at BACB, UBB, FIB, Tokuda Bank, CCB and Postbank has remained unchanged, and Investbank has even made a slight reduction, but let's not forget that in previous years these banks have also raised their rates more than once. There are only two banks that still do not charge a monthly maintenance fee if the account is bundled with a debit card - International Asset Bank and Municipal Bank. The picture is different when the bank account is not bundled with a debit card, i.e. the holder does not have a debit card of the respective bank - then the monthly maintenance fee is 30 to 50% higher. Another service included in the study is making a bank transfer. In principle, it is clear that if we make money transfers at a bank office (with a payment order), this service is charged many times more expensively than other alternatives such as paying by card or online bank transfer. The banks that benefit the most from this type of high fees are those serving government services, where people have to pay fees or fines by bank transfer (e.g. the Ministry of Interior, the National Tax and Customs Administration, courts, municipalities, etc.). After the adoption of the euro, interbank transfers are now carried out through the European SEPA system, and not through a national operator, as was the case until recently. Banks' costs for SEPA transfers are probably lower and it is appropriate for the BNB, as a regulator, to provide clarifications on whether there are prerequisites for reducing fees for online transfers. In the last two years, the majority of banks have significantly increased fees for transfers to the same bank, equalizing them with fees for transfers to other banks. UBB, UniCredit Bulbank and DSK Bank have the most ATMs - over 700, FIB, CCB and Postbank have over 500, and the remaining banks have well under 100. Withdrawing money at a bank counter is more expensive, as banks have massively increased this fee in the last two years.