Upcoming changes in banking platformas in connection with the transition to Euro from 01.01.2026.

Dear customers,

In connection with the official introduction of the Euro (EUR) in the Republic of Bulgaria from 01.01.2026, Allianz Bank Bulgaria will make the necessary changes to its digital banking services – internet banking and mobile application. Below we inform you what to expect and how the change will affect your products and operations.

1. Automatic product conversion

As of 01.01.2026:

• All accounts, bank cards, deposits, savings products and loans in Bulgarian leva will be automatically converted into euros.
• The conversion will be carried out at the fixed exchange rate of the Bulgarian National Bank – 1 EUR = 1.95583 BGN.
• The double indication of values ​​for products, services, movements on accounts in EUR will be carried out in BGN within the statutory period, until 08.08.2026.

2. Transfers and payments

• From 01.01.2026, transfers in leva are not allowed
• RINGS is no longer a payment system.
• Direct debit is no longer a form of payment
• The menus “Transfer between my accounts” and “Transfer to the Bank” will continue to function in the usual way.

From the "Transfer outside the Bank" menu you will be able to make your payments:

• In euro: To recipients with accounts in Bulgarian financial institutions (SEPA, TARGET or SEPA Instant (if the recipient's bank offers the service);
• In euro and other currencies: To recipients with accounts in banks outside the country (SEPA, TARGET, SEPA Instant or SWIFT)

"Payments From/To the Budget" and "Payments to SEBRA" will continue to be executed in the same format, but in EUR currency. "Payments From/To the Budget" will be executed only as SEPA transfers.

Saved payment templates in BGN will be able to be used for payments in EUR, and the amounts on them will be zeroed. We recommend that you check the data when using the templates.

When ordering a transfer by selecting "Create as new" from the "Transfer history" menu, the transfer data will be loaded, but without the transfer amount.

Mass payments:

• No change is planned in the file structure, as for accounts in Bulgarian banks, as well as to foreign banks for SEPA / TARGET / SWIFT transfers.
• In the files to recipients with accounts in Bulgarian banks: credit transfer, payment from / to the budget, SEBRA payments, the currency of the payments should be entered as "EUR". The same will be executed only as SEPA, regardless of the system entered in the file. For their processing, it is necessary to select the option "BG Mass Payments" when uploading the file from the "Mass Payments" menu.
• Mass payments with direct debits will not be executed. Important information regarding payments

Important information regarding payments:

• All transfers with a future execution date after 01.01.2026, regardless of their type and currency, will be automatically refused and should be created again.
• All created transfers, regardless of their type and currency, should be signed and sent to the Bank no later than 14:00 on 30.12.2025 (the last business day of the year).

3. Limits for payments and account management

Limits for account management in BGN, as well as for payment transactions - daily, weekly on one document, will be automatically converted into EUR at the fixed exchange rate of the Bulgarian National Bank: 1 EUR = 1.95583 BGN.

4. Household bills and payments for insurance and social security contributions to the Allianz Insurance and Pension Insurance Company

All liabilities after 01.01.2026 will be visualized and payable only in EUR.

5. History of products, accounts and statements

The history of transactions performed before 01.01.2026 will remain accessible and will be displayed in BGN.

6. Requests for products and services

All requests for banking products and services are preserved, as the BGN currency is discontinued and replaced with the new national currency - EUR.

Important:

• Given the changes in mobile applications in connection with the introduction of the euro after 01.01.2026, it is mandatory to update the application to the latest version
• In older versions, access to all functionalities will be limited and a message will be displayed for a mandatory update to the latest version.
• The mobile devices used should have an operating system of at least Android 5.0 / iOS 16.0 or macOS 13.0.

1. Automatic conversion of products

As of 01.01.2026:

• All accounts, bank cards, deposits, savings products in Bulgarian leva will be automatically converted to euro.
• The conversion will be carried out at the fixed exchange rate of the BNB - 1 EUR = 1.95583 BGN.
• The double indication of values ​​for products, services, and account movements in EUR will be made in BGN within the statutory period, until 08.08.2026.

2. Transfers and payments

• From 01.01.2026, transfers in BGN will not be possible.
• The transfer submenus in the “Transfers” menu have been changed in order to align them with the way the same menus work in Internet banking:
• “Transfer between my accounts” will allow transfers between all your accounts, including currency conversion, as well as currency transactions at an exchange rate agreed with dealers; Given this change, the “Currency exchange” submenu in the “Services” menu is being removed.
• From “Transfer to the Bank” you will be able to order funds to accounts opened in the Bank, both in one and in different currencies.
• From the "Transfer outside the Bank" menu, you will be able to make your payments in euros to recipients with accounts in Bulgarian financial institutions, as well as banks within the EEA - such as SEPA, TARGET or SEPA Instant (if the recipient's bank offers the service) transfers;
• All utility bills after 01.01.2026 will be visualized and payable only in EUR.
• Saved payment templates in BGN will be able to be used for payments in EUR, and the amounts on them will be zeroed. We recommend that you check the data when using the templates.

Important information regarding payments:

• All transfers with a future execution date after 01.01.2026, regardless of their type and currency, will be automatically rejected and must be created again.
• All created transfers, regardless of their type and currency, should be signed and sent to the Bank no later than 14:00 on 30.12.2025 (the last business day of the year).

3. Account history and credit card statements

The history of transactions made before 01.01.2026 will remain accessible and will be displayed in BGN.

4. Requests for products and services

All requests for banking products and services are preserved, with the BGN currency being discontinued and replaced with the new national currency – EUR.