Bulgaria · Credit institution
Unicredit Bulbank Ad
Legal name in the LEI recordУНИКРЕДИТ БУЛБАНК
UniCredit Bulbank AD is a Bulgarian joint-stock company with its seat at 7 Sveta Nedelya Square, Sofia. UniCredit S.p.A. of Italy is its main shareholder and has held it directly since the 2016 reorganisation of the group's Central and Eastern European business. The bank holds a full-scope banking licence and offers retail, corporate, private and investment banking, trade finance, custody and payment services in Bulgaria. It was formed on 27 April 2007 by the legal merger of Bulbank AD, HVB Bank Biochim AD and Hebros Bank AD.
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
- UniCredit Bulbank AD
- Entity type
- Credit institution
- Supervised group (ECB)
- UniCredit S.p.A. →
- Why significant
- Size (Total assets EUR 500-1,000 bn)
- Remarks
- #1: UniCredit Bulbank AD (549300Z7V2WOFIMUEK50) and United Bulgarian Bank AD (5299000PCY1EP8QJFV48) are among the three largest credit institutions in Bulgaria. These institutions are subsidiaries of UniCredit S.p.A. and KBC Group NV respectively, and are presented under those groups.
European registers
ECB · monetary financial institutions
List as at 2026-09-25
- Category
- Credit institution
- Minimum reserves
- Subject to minimum reserves
- Listed as
- UniCredit Bulbank AD
- RIAD code
- BGUNCR9660
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) | 1991-06-25 | A1 A2 A3 A4 A5 A6 A7 B2 B3 B4 B5 B6 B7 |
| Systematic internaliser | Financial Supervision Commission (FSC) | 2024-01-01 | 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
- UNCRBGSFXXX 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 UNCRBGSF directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- SCT · SCT Inst · SDD B2B · T2 · TIPS
- Branch codes
- 5 branch codes
- BIC first registered
- Not recorded
- Last updated
- 2018-04-14
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
UniCredit S.p.A.
Institution type
Universal bank
Trades as UniCredit Bulbank
- Ownership
- UniCredit S.p.A. is the main shareholder and holds the bank directly. Minority shareholders hold the remaining shares.
- Direct parent
- UniCredit S.p.A., Italy
- Head office
- 7 Sveta Nedelya Square, 1000 Sofia, Bulgaria
- Company register
- UIC (EIK) 831919536, Commercial Register, Registry Agency of Bulgaria
- Name in the local language
- УниКредит Булбанк АД
- Former names
- Bulbank AD · Bulgarian Foreign Trade Bank
Business lines
According to its 2025 annual report, corporate lending makes up about 75% of the bank's loan portfolio. Consumer lending is handled mainly through its subsidiary UniCredit Consumer Financing EAD.
Online
- Websites & references
- unicreditbulbank.bg ↗
bulbankonline.bg ↗ online banking (Bulbank Online) login
Wikipedia ↗ - Official social accounts
- LinkedIn ↗ · X ↗ · YouTube ↗
Sources · 11 pages consulted
- unicreditbulbank.bg/en/
- unicreditbulbank.bg/en/about-us/
- unicreditbulbank.bg/en/about-us/governance/management-board/
- unicreditbulbank.bg/en/about-us/governance/supervisory-board/
- unicreditbulbank.bg/en/financial-institutions/cash-management/correspondent-banks/
- unicreditbulbank.bg/en/about-us/investors/financial-reports/
- unicreditbulbank.bg/media/filer_public/88/e8/88e8f968-1ff8-4475-ba80-de21d89d453e/ucb-annual-report-2025-en.p
- unicreditbulbank.bg/bg/za-nas/za-unicredit/
- unicreditbulbank.bg/bg/za-nas/media/novini/stefan-ivanov-nov-glaven-risk-direktor-ucb/
- unicreditbulbank.bg/en/legal-information/
- en.wikipedia.org/wiki/UniCredit_Bulbank
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Tzvetanka Mintcheva CEO and Chairperson of the Management Board
- Chair
- Emilia Palibatchiyska Chairperson of the Supervisory Board
- Chief financial officer
- Nevena Nikše Chief Financial Officer and Management Board Member
- Executive
- Ivaylo Glavchovski Executive Director, Chief Operating Officer and Member of the Management Board
- Executive
- Stefan Ivanov Chief Risk Director and Management Board Member
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- European Union
- European Central Bank (Single Supervisory Mechanism) Prudential supervisor
- Bulgaria
- Bulgarian National Bank Central bankPrudential supervisorAML supervisor
- European Union
- Single Resolution Board Resolution
- Bulgaria
- Financial Supervision Commission Securities
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Bulgaria adopted the euro on 1 January 2026, and the bank converted its accounts and its functional currency from BGN to EUR.
unicreditbulbank.bg ↗ -
Leadership
Stefan Ivanov became Chief Risk Officer on 1 December 2025, replacing Milena Vukotic, subject to BNB and ECB approval for the board seat.
unicreditbulbank.bg ↗ -
Leadership
The bank released Andrea Tognetti and Velko Djilizov from the Management Board on 28 May 2025.
unicreditbulbank.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
- UNCRBGSFXXX
- How the BIC breaks down
- UNCRBank
- BGCountry · Bulgaria
- SFLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 549300Z7V2WOFIMUEK50
- 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 UNCR9660 + 5 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 UCBG 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
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
- Unicredit, Societa' Per Azioni · Italy549300TRUWO2CD2G5692 ↗
The Unicredit, Societa' Per Azioni group has 42 institutions in the directory, in 20 countries: 41 hold a BIC and 1 does not.
Including Unicredit Bank GMBH, Unicredit S.P.A., Unicredit Bank Austria AG, Unicredit Bank GMBH, Unicredit Bank GMBH.
See the Unicredit, Societa' Per Azioni group →Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.
Addresses
- Registered address
- SVETA NEDELYA SQUARE 7 SOFIA 1000 BULGARIA
- Operational address
- SVETA NEDELYA SQUARE 7 SOFIA 1000 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>UNCRBGSFXXX</BICFI>
<LEI>549300Z7V2WOFIMUEK50</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>UNCRBGSFXXX</BICFI>
<LEI>549300Z7V2WOFIMUEK50</LEI>
<Nm>UNICREDIT BULBANK AD</Nm>
<PstlAdr>
<TwnNm>SOFIA</TwnNm>
<Ctry>BG</Ctry>
<AdrLine>SVETA NEDELYA SQUARE 7 SOFIA 1000</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 | 2025-11-03 | Head office | — |
| SEPA Direct Debit Business-to-BusinessISO 20022 messages | 2011-06-06 | 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 |
|---|---|---|---|
| UCBG | UNICREDIT BULBANK AD | Operating MIC | Systematic internaliser |
National bank codes
BAE code · Bulgaria
6 codes file of 2026-09-09
| Code | Routes to BIC | Name in the national file |
|---|---|---|
| UNCR9660 | UNCRBGSF | УниКредит Булбанк АД |
| UNCR7000 | UNCRBGSF | УниКредит Булбанк АД - кл. Централизирана система |
| UNCR7527 | UNCRBGSF | УниКредит Булбанк АД - кл. Хеброс |
| UNCR7630 | UNCRBGSF | УниКредит Булбанк АД - кл. Булбанк |
| UNCR8115 | UNCRBGSF | УниКредит Булбанк АД - Виртуален клон |
| UNCR8135 | UNCRBGSF | УниКредит Булбанк АД - Виртуален клон, Касова дейност |
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
Branches and correspondent banking
All 5 branch BICs connect to the head office. No city, function or registration year splits them into groups. The bank publishes 21 accounts at other banks, across 3 regions. 3 other banks publish 3 accounts held with this bank.
- Own offices
- Correspondent banks: it holds accounts there
- Respondent banks: they hold accounts here
Hover over a branch, account or group to see its details
Correspondent accounts
Researched 29 Sep 2026 · Sources
21 accounts at other banks and 1 route through its own offices, in 17 currencies, as the bank publishes them: unicreditbulbank.bg ↗
| Currency | Correspondent | BIC | Account | Purpose | Directory check |
|---|---|---|---|---|---|
| AUD | Australia and New Zealand Banking Group Limited, Melbourne Australia | ANZBAU3M | 710210/00001 | CP, FX, MM | Matches the Swift directory |
| CAD | Royal Bank of Canada, Toronto Canada | ROYCCAT2 | 09591 1175496 | CP, FX, MM | Matches the Swift directory |
| CHF | UBS Switzerland AG, Zürich Switzerland | UBSWCHZH80A | CH660023023005805305G | CP, FX, MM | Matches the Swift directory |
| CNY | Bank of China (Hong Kong) Limited, Hong Kong Hong Kong SAR China | BKCHHKHH | 01287560123488 | CP, FX, MM | Matches the Swift directory |
| CZK | UniCredit Bank Czech Republic and Slovakia as, Prague Czechia | BACXCZPP | CZ1927000000002102040475 | CP, FX, MM | Matches the Swift directory |
| DKK | Danske Bank A/S, Copenhagen Denmark | DABADKKK | DK5130003007513461 | CP, FX, MM | Matches the Swift directory |
| EUR | Deutsche Bank AG, Frankfurt am Main Germany | DEUTDEFF | DE85 50070010 0923 3206 00 | CP | Matches the Swift directory |
| EUR | UniCredit Bank Austria AG, Vienna Austria | BKAUATWW | AT371200051010029901 | CP | Matches the Swift directory |
| EUR | UniCredit Bulbank AD, Sofia Bulgaria | UNCRBGSF | — | Direct via Target2; CP, FX, MM, derivatives | Settles directly |
| EUR | UniCredit SpA, Milan Italy | UNCRITMM | EUR/995/8371500 | CP | Matches the Swift directory |
| GBP | Lloyds Bank Plc, London United Kingdom | LOYDGB2L | GB44LOYD30963401015800 | CP, FX, MM | Matches the Swift directory |
| HUF | UniCredit Bank Hungary Zrt, Budapest Hungary | BACXHUHB | HU81109180010000000115850006 | CP, FX, MM | Matches the Swift directory |
| JPY | Sumitomo Mitsui Banking Corporation, Tokyo Japan | SMBCJPJT | 4239 | CP, FX, MM | Matches the Swift directory |
| NOK | DNB Bank ASA, Oslo Norway | DNBANOKK | NO3170010205091 | CP, FX, MM | Matches the Swift directory |
| PLN | Powszechna Kasa Oszczędności Bank Polski Spółka Akcyjna, Warsaw Poland | BPKOPLPW | PL701020001612011100 0003 9990 | CP, FX, MM | Matches the Swift directory |
| RON | UniCredit Bank SA, Bucharest Romania | BACXROBU | RO68BACX0000000001452250 | CP, FX, MM | Matches the Swift directory |
| RSD | UniCredit SpA, Milan Italy | UNCRITMM | RSD 995/106117846 | CP, FX, MM | Matches the Swift directory |
| SEK | Nordea Bank Abp, Stockholm Sweden | NDEASESS | SE9630000000039527900735 | CP, FX, MM | Matches the Swift directory |
| TRY | Yapi ve Kredi Bankasi AS, Istanbul Türkiye | YAPITRISFEX | TR200006701000000081834661 | CP, FX, MM | Matches the Swift directory |
| USD | Deutsche Bank Trust Company Americas, New York United States | BKTRUS33 | 04011495 | CP | Matches the Swift directory |
| USD | The Bank of New York Mellon, New York United States | IRVTUS3N | 803-3043-768 | CP | Matches the Swift directory |
| USD | JPMorgan Chase Bank, National Association, New York United States | CHASUS33 | 001 1 137924 | CP, FX, MM | Matches the Swift directory |
The 'Standard Settlement Instructions for Commercial Payments' table on the bank's Correspondent Banks page has 21 rows, and all were extracted. Payment-type codes in the source are CP (commercial payments), FX and MM (money market). The page carries no date. It may predate the euro changeover of 1 January 2026, so the EUR routing should be confirmed with the bank. The EUR row for UniCredit Bulbank AD itself shows direct Target2 access and no account number. 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.
Respondent banks
From the correspondent lists other banks publish
3 other banks publish 3 accounts held with this bank.
| Currency | Respondent bank | Held at | Account | Purpose | Published in |
|---|---|---|---|---|---|
| BGN | BNP Paribas Fortis SA/NV Belgium | UNCRBGSF | BG89UNCR70001525463051 | reimbursement for commercial transactions | companies.bnpparibasfortis.be ↗ dated 1 Jul 2025 |
| BGN | Nordea Bank Abp Finland | UNCRBGSF | BG60UNCR96601056688500 | Commercial, FX, derivatives and money market payments | nordea.com ↗ dated 13 Oct 2025 |
| BGN | Raiffeisen Bank International AG Austria | UNCRBGSF | BG65UNCR70001525509170 | commercial payments | rbinternational.com ↗ |
Each row is an account the respondent bank lists as held with this bank, as published. Only banks that publish their correspondent accounts, and that Elucidate has researched, can appear, so the list is not complete. Confirm settlement instructions with either bank before relying on them.
Branch codes
| BIC | Branch | City | Address | LEI | Updated |
|---|---|---|---|---|---|
| UNCRBGSF031 | SERDIKA BRANCH | Sofia | MARIA LOUISA BLVD 2 SOFIA 1558 SOFIA BULGARIA | — | 2018-04-14 |
| UNCRBGSF081 | V. TARNOVO BRANCH | V. Tarnovo | V. TARNOVO STREET 11 V. TARNOVO 5000 V. TARNOVO BULGARIA | — | 2018-04-14 |
| UNCRBGSF426 | VITOSHA BRANCH | Sofia | MAKEDONIJA STREET 41 SOFIA 1000 SOFIA BULGARIA | — | 2018-04-14 |
| UNCRBGSF720 | PLOVDIV BRANCH | Plovdiv | VAZRAZHDANE BOULEVRD 37 PLOVDIV 4018 PLOVDIV BULGARIA | — | 2018-04-14 |
| UNCRBGSF733 | — | — | DR. PUSKIULEV STREET 1 VARNA 9000 | — | 2018-04-14 |
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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.
- 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.
Assess the financial crime risk behind a BIC
A BIC identifies an institution; it does not assess it. The Elucidate FinCrime Index (EFI) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.
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