Bulgaria · Credit institution
Dsk Bank Ad
Legal name in the LEI recordБанка ДСК
DSK Bank AD is a Bulgarian joint-stock credit institution based in Sofia and registered under UIC 121830616. It is a subsidiary of OTP Bank Nyrt. of Hungary and part of OTP Group. The bank provides retail, small business and corporate banking, cards, payments, trade finance and investment services in Bulgaria. It was founded in 1951 as the State Savings Bank and became a commercial bank in 1998. OTP Bank acquired it in October 2003, and it merged with Societe Generale Expressbank in May 2020.
Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers. It is on the ECB list of supervised entities (see Regulatory status): that is banking supervision, not a licence on a tracked register.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
Regulatory status
ECB banking supervision
List of supervised entities as of 2026-07-01
- Classification
- Significant institution
- Supervisor
- European Central Bank (direct supervision)
- Listed as
- DSK Bank AD
- Entity type
- Credit institution
- Supervisory group
- Heads its own group
- Why significant
- Among the three largest credit institutions in the Member State
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- DSK Bank AD
- RIAD code
- BGSTSA9300
ESMA · MiFID II register
Register as at 2026-09-28
| Entry | Competent authority | Authorised | Services or instruments |
|---|---|---|---|
| Investment services (MiFID II) | Financial Supervision Commission (FSC) | 1998-01-26 | A1 A2 A3 A4 A5 A6 A7 B1 B2 B3 B4 B5 B6 B7 |
| Systematic internaliser | Financial Supervision Commission (FSC) | 2020-12-31 | DERV |
Service codes follow MiFID II Annex I: A for investment services, B for ancillary services. Hover a code for its meaning.
Entries are matched on the LEI. Each register is quoted as its publisher lists it.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- STSABGSFXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under STSABGSF directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · T2 · TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 1999-03-06
- Last updated
- 2026-06-06
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Group subsidiary
99.97% OTP Bank Nyrt.
Institution type
Universal bank
Trades as DSK Bank
- Ownership
- OTP Bank Nyrt. holds about 99.97% of the shares, and small minority holdings include the Municipality of Burgas.
- Direct parent
- OTP Bank Nyrt., Hungary 99.97%
- Head office
- Moskovska Street 19, 1036 Sofia, Bulgaria
- Company register
- UIC (ЕИК) 121830616, Commercial Register, Bulgarian Registry Agency
- Name in the local language
- Банка ДСК АД
- Former names
- DSK Bank EAD (Банка ДСК ЕАД) · State Savings Bank (Държавна спестовна каса)
Business lines
According to the bank, it serves over 2.6 million customers, with retail banking as its core business alongside small business and corporate banking, global markets and investment services.
Online
- Websites & references
- dskbank.bg ↗
dskdirect.bg ↗ DSK Direct online banking portal
developer.dskbank.bg ↗ PSD2 developer portal
Wikipedia ↗
Wikidata Q5206146 ↗ - Official social accounts
- LinkedIn ↗ · Facebook ↗ · Instagram ↗ · YouTube ↗
Sources · 10 pages consulted
- dskbank.bg/
- dskbank.bg/en/individual-clients/about-us/management
- dskbank.bg/en/individual-clients/about-us/management/dsk-bank-team/management-team/tamas-hak-kovacs
- dskbank.bg/en/individual-clients/about-us/for-dsk-bank
- dskbank.bg/en/business-clients/small-and-medium-business/accounts-and-payments/correspondent-banks
- dskbank.bg/en/news-and-promotions/details/2026/07/28/dsk-mobile-and-its-related-services-are-current
- dskbank.bg/docs/default-source/%D0%B4%D0%BE%D0%BA%D1%83%D0%BC%D0%B5%D0%BD%D1%82%D0%B8/%D1%84%D0%B8%D
- mypr.bg/news/business/Obshtoto-sabranie-na-Asotsiatsiyata-na-bankite-v-Balgariya-izbra-chlenove-n
- finansi.bg/banka-dsk
- en.wikipedia.org/wiki/DSK_Bank
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Tamas Hak-Kovacs
Chairman of the Management Board and Chief Executive Officer
- Chair
-
László Bencsik
Chairperson of the Supervisory Board
- Chief financial officer
-
Tsvetoslav Dimov
Management Board member and Executive Director; Head of Strategy, Finance and Operations Division and Chief Financial Officer
- Executive
-
Dimitar Dilov
Management Board member and Executive Director; Head of Division Risk Management
- Executive
-
Boyan Stefov
Management Board member and Executive Director; Head of Corporate Banking Division
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank Prudential supervisor
- Bulgaria
- Bulgarian National Bank Central bankPrudential supervisorAML supervisorResolution
- European Union
- Single Resolution Board Resolution
- Bulgaria
- Financial Supervision Commission Securities
Recent events 1 enforcement or investigation item
Researched 29 Sep 2026 · Sources
-
Incident
The bank reported disruptions to its DSK Mobile app affecting access, transfers and card payments. It directed customers to DSK Direct.
dskbank.bg ↗ -
Other
The bank announced that its cards, ATMs and POS terminals operate in euros following Bulgaria's adoption of the euro.
dskbank.bg ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
Identifiers
Head-office record
- BIC
- STSABGSFXXX
- How the BIC breaks down
- STSABank
- BGCountry · Bulgaria
- SFLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 529900GEH0DAUTAXUA94
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
- National bank code
- BAE code STSA9300 + 1 more
Profile
- Type
- Credit institutionListed as a credit institution, or a branch of one, on the ECB’s list of supervised entities, or named as a bank on the Financial Stability Board’s G-SIB list, directly or as a G-SIB’s main operating bank. These are the only bank lists the directory tracks so far.
- Regulation
- Prudentially supervised (ECB list)Prudentially supervised, according to the ECB list of supervised entities (as at 2026-07-01). This is banking supervision, not a licence on a tracked register.
- Register licences
- None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- Country · region
- Bulgaria · Europe & Central Asia
- Banking supervision
- Significant · supervised by the ECB as of 2026-07-01
- Trading venues (MIC)
- Operates MIC BDSK list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
- Founded
- 1951
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
- Direct parent
- OTP Bank Nyrt. · Hungary529900W3MOO00A18X956 ↗
The OTP Bank Nyrt. group has 18 institutions in the directory, in 9 countries: 15 hold a BIC and 3 do not.
Including OTP Banka D.D., OTP Banka D.D., SimplePay Zártkörűen Működő Részvénytársaság, 'ipoteka- Bank' Joint- Stock Commercial Mortgage Bank, Banka OTP Albania Sh.a..
See the OTP Bank Nyrt. group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- MOSKOVSKA STREET 19 SOFIA 1036 BULGARIA
- Operational address
- MOSKOVSKA STREET 19 SOFIA 1040 SOFIA BULGARIA
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>STSABGSFXXX</BICFI>
<LEI>529900GEH0DAUTAXUA94</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>STSABGSFXXX</BICFI>
<LEI>529900GEH0DAUTAXUA94</LEI>
<Nm>DSK BANK AD</Nm>
<PstlAdr>
<TwnNm>SOFIA</TwnNm>
<Ctry>BG</Ctry>
<AdrLine>MOSKOVSKA STREET 19 SOFIA 1036</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| SEPA Credit TransferISO 20022 messages | 2008-01-28 | Head office | — |
| SEPA Instant Credit TransferISO 20022 messages | 2025-03-31 | Head office | — |
| T2 (Eurosystem real-time gross settlement)ISO 20022 messages | — | Head office | — |
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
SEPA dates are when the institution became ready for the scheme. The T2 list names direct participants only and gives no joining date. TIPS entries have no joining date.
An institution missing from T2 may still be reachable through an indirect participant. The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
Market identifiers
One trading venue or reporting service run under this LEI list of 2026-09-17
| MIC | Market | Kind | Category |
|---|---|---|---|
| BDSK | DSK BANK EAD | Operating MIC | Systematic internaliser |
National bank codes
BAE code · Bulgaria
2 codes file of 2026-09-09
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| STSA9300 | STSABGSF | Банка ДСК АД |
| STSA8300 | STSABGSF | Виртуален клон на Банка ДСК ЕАД |
Each code shows the name in the national file. Smaller banks often route through a central institution’s BIC. A code can therefore belong to a different bank than the one on this page.
Network
Correspondent banking
The bank publishes 23 accounts at other banks, across 3 regions.
- Own offices
- Correspondent banks: it holds accounts there
Hover over a branch, account or group to see its details
Correspondent accounts
Researched 29 Sep 2026 · Sources
23 accounts at other banks and 1 route through its own offices, in 17 currencies, as the bank publishes them: dskbank.bg ↗
| Currency | Correspondent | BIC | Account | Purpose | Directory check |
|---|---|---|---|---|---|
| AUD | Australia and New Zealand banking group LTD, Melbourne Australia | ANZBAU3M | — | — | Matches the Swift directory |
| CAD | Bank of Montreal, Montrеal Canada | BOFMCAM2 | — | — | Matches the Swift directory |
| CHF | UBS Switzerland AG Switzerland | UBSWCHZH80A | — | — | Matches the Swift directory |
| CHF | Zuercher Kantonalbank, Zurich Switzerland | ZKBKCHZZ80A | — | — | Matches the Swift directory |
| CZK | Ceská sporitelna, a.s. Czechia | GIBACZPX | — | — | Matches the Swift directory |
| DKK | Danske Bank A/S, Copenhagen Denmark | DABADKKK | — | — | Matches the Swift directory |
| EUR | Commerzbank AG, Frankfurt am Main Germany | COBADEFF | — | — | Matches the Swift directory |
| EUR | Deutsche Bank AG, Frankfurt am Main Germany | DEUTDEFF | — | — | Matches the Swift directory |
| EUR | DSK Bank PLC, Sofia – via Target 2 Bulgaria | STSABGSF | — | TARGET2 | Settles directly |
| EUR | ING Belgium SA/NV, Brussels Belgium | BBRUBEBB010 | — | — | Matches the Swift directory |
| EUR | OTP Bank PLC, Budapest Hungary | OTPVHUHB | — | — | Matches the Swift directory |
| GBP | Lloyds Bank PLC, London United Kingdom | LOYDGB2L | — | — | Matches the Swift directory |
| GBP | The Royal Bank of Scotland PLC, London United Kingdom | RBOSGB2L | — | — | Matches the Swift directory |
| HUF | OTP Bank PLC, Budapest Hungary | OTPVHUHB | — | — | Matches the Swift directory |
| JPY | Mizuho Bank LTD, Tokyo Japan | MHCBJPJT | — | — | Matches the Swift directory |
| NOK | Danske Bank A/S, Oslo Norway | DABANO22 | — | — | Matches the Swift directory |
| PLN | PKO Bank Polski S.A., Warszawa Poland | BPKOPLPW | — | — | Matches the Swift directory |
| RON | OTP Bank PLC, Budapest Hungary | OTPVHUHB | — | — | Matches the Swift directory |
| RSD | OTP Banka Srbija AD, Novi Sad Serbia | OTPVRS22 | — | — | Matches the Swift directory |
| RUB | Joint Stock Company "OTP Bank", Moscow Russia | OTPVRUMM | — | — | Matches the Swift directory |
| SEK | Danske Bank A/S, Stockholm Sweden | DABASESX | — | — | Matches the Swift directory |
| TRY | Yapi ve Kredi Bankasi AS, Istanbul Türkiye | YAPITRIS | — | — | Matches the Swift directory |
| USD | The Bank of New York Mellon, New York United States | IRVTUS3N | — | — | Matches the Swift directory |
| USD | Deutsche Bank Trust Company Americas, New York United States | BKTRUS33 | — | — | Matches the Swift directory |
The page titled 'List of our accounts abroad' gives currency, bank and SWIFT/BIC only. It shows no account numbers and no date. All 24 rows were extracted in the published order. The EUR row 'DSK Bank PLC, Sofia – via Target 2' (STSABGSF) is the bank's own TARGET2 route and not an account at a third party. The same list also appears under the individual-clients section. Each correspondent BIC is checked against the Swift directory: a BIC missing from it, or registered to a differently named bank, may be a typo or out of date. Confirm settlement instructions with the bank before relying on them.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Payments Council (EPC) Registers of Participants; matched to BICs by Elucidate. Source: European Central Bank, List of T2 participants. Source: European Central Bank, List of TIPS participants and reachable parties.
- Banking supervision—Source: European Central Bank, list of supervised entities.
- Wikidata—CC0, matched on the BIC or LEI recorded in Wikidata. It is community-edited, so check key facts.
- National bank codes—Bulgaria (Source: Bulgarian National Bank).
- Ownership and group—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
- Overview, leadership, regulators and events—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- European registers—Source: European Central Bank (ECB), list of monetary financial institutions and list of institutions subject to minimum reserves. Source: European Securities and Markets Authority (ESMA), MiFID II/MiFIR register (investment firms, trading venues, systematic internalisers, data reporting services providers). Matched on LEI by Elucidate.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: DSK Bank AD · Public domain · Wikimedia Commons · original; Tamas Hak-Kovacs: dskbank.bg (official website) · original; László Bencsik: dskbank.bg (official website) · original; Tsvetoslav Dimov: dskbank.bg (official website) · original; Dimitar Dilov: dskbank.bg (official website) · original; Boyan Stefov: dskbank.bg (official website) · original.
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