"My deposit" may be opened by any adult individual who has a bank account held in their name with a credit institution in the Republic of Bulgaria or another member state of the European Union.
"My deposit" is not allowed to be opened in the benefit of a third party or by a proxy.
"My deposit" is not opened as a joint deposit. "My deposit" holder may be only one individual.

"My deposit" funds can be transferred by a bank transfer from a bank account held in the name of the client in another credit institution in the Republic of Bulgaria or in a member state of the European Union.

Yes, you may open "My Deposit" when providing the required information and the documents through "My Fibank" module.

Yes, every client of the Bank can open in their name "My Deposit." It is a deposit condition that the deposit account is to be credited by a bank transfer from a bank account held in the name of the client in another credit institution in the Republic of Bulgaria or in a member state of the European Union.
If you already have a registration in "My Fibank", you can open "My Deposit" after logging in the system, and then you should select "Opening" from the "Deposits" menu.
If you are a client of the Bank but you do not have a registration in "My Fibank", you can register by using a debit or credit card issued by the Bank in your name or request to open "My deposit" through "My Fibank" module available through the website of the Bank www.fibank.bg, in the section "Individuals" / "Savings products" / "My deposit" electronic deposit.

It is a payment bank account held in the name of the client at another credit institution in the Republic of Bulgaria or another member state of the European Union from/to which funds are transferred to/from the Deposit account.

There is no limitation to the number of deposits opened in your name.
Clients who already have opened "My deposit" can also open other deposits of this type through the "My Fibank" system.

If no funds have been received within the first 5 calendar days after the receipt of the Bank's confirmation of acceptance of your request for opening, the deposit is automatically closed by the Bank.

The receipt of the funds on this type of deposit should be made within the first 5 calendar days from the date of the contract. After this date, if you transfer funds on your deposit, they will be accrued according to the Interest Rate Bulletin, presently 0.01%.

If the amount of the deposit is less than BGN 500.00 / EUR 250.00, the funds are accrued according to the Interest Rate Bulletin, presently 0.01%.

In such cases, the Bank shall return ex officio the amount to the account from which it has been received, and the the costs of the transfer shall be borne by the client and deducted from the amount of the transfer. The account is closed.

The contract is made available to you on a durable medium through your access to "My Fibank". If you want a certified copy of the contract, you will be able to receive it at any of the Bank's offices.

Once you are registered, you will be able to open "My Deposit" and make payments of your utility expense. If you want full access, including active banking with transfers to other Fibank counterparties or other bank accounts, you have to request this by visiting an office of the Bank and purchasing/registering a Token Device or an Electronic Signature.

Yes, you can terminate your deposit at any time:

• if you have active banking in "My Fibank", you can dispose of funds at a cash desk or by bank transfer.
• if you have passive access to "My Fibank" received with the opening of the deposit, you can dispose of the funds at a cash desk or by transferring it back to the referent account that you have indicated upon opening the deposit.

Upon early termination of the contract, the Bank does not owe you the interest specified in the contract.

You can close your deposit entirely online through "My Fibank" system, depending on the registered access level or after visiting a Bank's office.

Yes, on renewal you have five calendar days to deposit funds on the deposit.

Yes, upon renewal, as well as when the deposit account is initially opened, a minimum balance is required in the account by the fifth calendar day. If the amount on the deposit account is below the minimum balance, the interest rate accrual shall be in accordance with the Interest Rate Bulletin.

The payment account for basic transactions serves to keep funds and perform the following services:

1. using (servicing / keeping) and closing the payment account;

2. depositing funds on the payment account;

3. withdrawing cash from the payment account at a counter during the working hours of the Bank or at an ATM terminal during the Bank's working hours or in other time;

4. performing the following payment transactions:

- direct debits in BGN;

- payment transactions via a payment card, including online payments;

- credit transfers, including orders for periodic transfers at ATMs and POS terminals and at a bank office counter when available, and through the Bank's online banking systems.

A payment account for basic transactions is opened in BGN.

The payment account for basic transactions can be only opened in an office of the Bank. There is no possibility of opening a payment account for basic transactions through Fibank’s online banking service.

No, you can perform an unlimited number of transactions.

You have the ability to manage and perform payment transactions from your payment account for basic transactions both at Bank’s offices and through the First Investment Bank's online banking service.

The payment account for basic transactions is intended for users (individual clients) who are legally residing in the European Union.

The person wishing to open a payment account for basic transactions must personally file an application for opening (according to template of First Investment Bank) and submit the required documents. The Bank takes a decision to open or refuse opening the account within 10 days of receipt of all necessary documents. In the event of a refusal, the Bank shall notify the user in writing.

The Bank may refuse to open a payment account for basic transactions if the user already has a payment account through which they may use the services under item 1 above at the Bank or at another bank on the territory of the Republic of Bulgaria unless they declare that they have been notified that their account would be closed. The Bank refuses to open a payment account for basic transactions where the opening would result in violation of the legal provisions on the prevention of the use of the financial system for the purposes of money laundering and terrorist financing.

The services referred to in item 1 above are in accordance with the Appendix named "Payment Account of Basic Transactions" to the Tariff of Fees and Commissions of First Investment Bank and the Bank provides the possibility to carry out unlimited number of transactions thereto.

Yes, in addition to the services mentioned in item 1 above, you may, at your choice and discretion,use your payment account for basic transactions other services also for which you can enter into separate agreements with the Bank under the standard fees and commissions in accordance with the Tariff on Fees and Commissions of First Investment Bank. The opening of a payment account for basic transactions is not related to the purchase of additional services of the Bank.

Тhe Bank offers a Visa Debit card to be issued this account.

Не, овърдрафт не се предоставя. Вие трябва да нареждате операция (теглене, превод, плащане, в т.ч. с платежна карта), само ако наличността по сметката е достатъчна за изпълнение на операцията и плащане на таксата за нея.