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Bulgaria Banking License

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Bulgaria Banking Licence and Bulgarian National Bank Regulatory Requirements

Bulgaria's banking sector is regulated by the Bulgarian National Bank (BNB), which operates under the Law on Credit Institutions and aligned EU banking directives. As an EU member state, Bulgarian banking licences carry full passporting rights across all EU and EEA territories, enabling cross-border banking services without additional national licences.

Bulgaria offers one of the lowest corporate tax rates in the EU at 10%, making it an attractive jurisdiction for banking establishments targeting the European single market with cost-efficient operating structures.

Minimum Share Capital

BGN 10 million (approximately EUR 5 million) minimum paid-up capital required before the BNB will grant authorisation to a new credit institution.

Management and Directors

At least three directors with demonstrated banking expertise and good standing are required. All management board members undergo BNB fit and proper assessment.

Business Plan

A detailed business plan covering projected activities, financial forecasts, risk management framework, and internal controls must accompany the licensing application.

Physical Presence

A registered head office in Bulgaria with locally resident senior management is required. The BNB expects substantive operational infrastructure rather than nominal corporate registration.

Neptune Fiduciaries: Bulgaria Banking Licence Support

Neptune Fiduciaries provides full BNB banking licence support including entity formation, management vetting coordination, business plan preparation, compliance framework design, and ongoing regulatory liaison post-authorisation.

Get in Touch

Contact Neptune Fiduciaries at info@neptunecorporate.com or sales@neptunecorporate.com or visit our Contact Us page.

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