Postbank

What Postbank does

Postbank (Юробанк България АД / Eurobank Bulgaria AD) is a Sofia-headquartered universal commercial bank founded in 1991 and operating nationwide in Bulgaria. The bank serves Bulgarian retail consumers (consumer loans, mortgages, cards, deposits, savings accounts, insurance, and investment products), small businesses, and corporate clients through a nationwide branch network with extended hours, ATMs, and digital channels. It is a wholly-owned subsidiary of Greek Eurobank Group and is led by CEO Petya Dimitrova, who also chairs the Association of Banks in Bulgaria.

The bank operates a digital banking stack comprising a mobile banking app, internet banking, the ONE wallet digital wallet, self-service Express Banking Digital Zones, and a Virtual Branch offering free video consultations for mortgage and other banking services. Fully digital onboarding supports online consumer loans, credit cards, and account opening programs targeted at both individual customers and youth. Through its partnership with Deutsche Bank on the Wero app under the European Payments Initiative (EPI), Postbank offers clients pan-European instant peer-to-peer transfers and online payments. Under its current CEO, the bank has executed three large-scale mergers and is implementing a digital transformation supported by over 100 planned AI initiatives.

Postbank's revenue model relies primarily on net interest income from consumer and mortgage lending (representative consumer loan APR ~8.57%, mortgage APR ~2.70-3.80%), supplemented by transaction and account fees, card-related commissions, and cross-sold insurance and investment products. The bank played a key role in supporting Bulgaria's adoption of the euro in early 2025 and in June 2026 was selected by the European Commission as a member of the EU AI Act Advisory Forum. Postbank markets and serves customers through its website, social media (TikTok, Facebook, Google, Instagram, LinkedIn, YouTube), call center, and physical branch distribution.

Name

Postbank

Legal name

Юробанк България АД (Eurobank Bulgaria AD)

Website

https://postbank.bg

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Postbank (Юробанк България АД / Eurobank Bulgaria AD) is a Sofia-based universal commercial bank serving Bulgarian retail, small business, and corporate clients through a nationwide branch network and digital banking platform; it is a subsidiary of Greek Eurobank Group.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (52211), Credit Card Issuing (52221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Digital Banking & Neobank Platforms (BPAMAFAD), Deposit Operations (Account Maintenance, Fees, Reconciliations) (FSABALAE)

Keywords

• Retail banking services
• Consumer lending
• Mortgage loans
• Digital payments
• Corporate banking

Headquarters

HQ city

Sofia

HQ country

Bulgaria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Interest Income: Revenue from interest on consumer loans, mortgage loans, and business credit facilities. Interest rates disclosed for consumer loans ranging from approximately 5.49% to 5.79% and mortgage loans from approximately 2.70% APR.
2. Banking Fees and Commissions: Fees for account maintenance, transactions, card services, and insurance products cross-sold through the bank.
3. Digital Payment Services: Revenue from digital payment services including Wero app integration with Deutsche Bank for instant peer-to-peer transfers and online payments across Europe.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Postbank operates as a universal commercial bank in Bulgaria providing retail and corporate banking products. Core offerings include consumer and mortgage loans, credit and debit cards, deposits and savings accounts, payment accounts, insurance products, investment services, and digital banking channels (mobile, internet, ONE wallet, Express Banking Digital Zones, Virtual Branch). The bank serves individual customers, small businesses, and corporate clients, complemented by the pan-European Wero digital payment app offered with Deutsche Bank.

Product overview

Postbank (Юробанк България АД) operates as a universal commercial bank in Bulgaria offering a comprehensive portfolio of banking products and services. The core offering includes digital banking (mobile, internet, ONE wallet, digital zones), consumer and mortgage lending, card products (credit and debit), and savings/deposit accounts. The bank serves both individual customers (with Premium, Priority, and Youth sub-brands) and business clients (small business and corporate banking). Key digital innovations include the Virtual Branch for video consultations and the Wero App for pan-European payments. Additional services encompass insurance products, financial markets investments, and Beyond Banking lifestyle solutions.

Differentiator

Problem solved

Functional benefit

Brands

• ONE wallet by Postbank: Digital wallet mobile application for banking services
• Priority Banking
• Premium Banking
• Digital Banking Zones
• Beyond Banking
• Youth Program
• Virtual Branch

Products and services

• Consumer Loans (Потребителски кредити) Personal unsecured and mortgage-backed loans for individual borrowers with flexible terms, fixed or variable interest rates, and optional insurance bundles such as Payment Protection.
• Mortgage Loans (Жилищни кредити) Home purchase and renovation financing secured by mortgage on real estate, with various term and interest rate structures, requiring life and property insurance.
• Cards (Карти) — Credit and Debit Cards Credit and debit card products for individuals, with promotional campaigns and program-based benefits for card usage.
• Deposits (Депозити) Term savings deposits for individuals offering various term options and interest rates.
• Savings Accounts (Спестовни сметки) Savings account products offered under the bank's savings program for individual customers.
• Payment Accounts (Сметки & Преводи) Current/checking accounts and money transfer services for individual customers.
• Insurances (Застраховки) Insurance products including payment protection, life, and property insurance offered in partnership with insurance providers, often bundled with credit and account packages.
• Financial Markets and Investments (Финансови пазари и инвестиции) Investment products and financial market services for individual clients.
• Premium Banking (Premium banking) Premium banking service for high-net-worth clients offering enhanced banking services and benefits.
• Priority Banking (Priority banking) Priority banking service with enhanced customer service and preferential terms for select clients.
• Youth Program (Младежка програма) Banking products and services tailored specifically for young customers and students.
• Small Business Banking (Малък бизнес) Banking services for small businesses, including working capital loans, investment loans, business accounts, payment services, and deposits.
• Corporate Banking (Корпоративно банкиране) Corporate banking services for business customers, including corporate credit facilities, accounts, payments, and deposits.
• Digital Banking (Дигитално банкиране) Digital banking platform comprising mobile banking, internet banking, ONE wallet, and Express Banking Digital Zones, enabling customers to manage finances online and via mobile devices.
• Wero App (Pan-European Instant Payments) Pan-European digital payment app enabling instant peer-to-peer transfers and online payments across Europe, offered in partnership with Deutsche Bank under the European Payments Initiative (EPI).

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability1 record

Feature5 records

Partnerships

Two partnerships are on record, tiered core and strategic.

• Deutsche BankcoreTechnology or Integration · 17 December 2025Deutsche Bank and Postbank expanded their digital payment offerings by making the full functionality of the Wero app available to their clients, enabling instant peer-to-peer transfers and online payments across Europe. The app is operated by the European Payments Initiative and plans to expand its features.
• European Payments InitiativestrategicTechnology or IntegrationPostbank participates in the European Payments Initiative through its partnership with Deutsche Bank on the Wero app, aiming to establish a unified European payment solution.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• UniCredit Bulbank: Largest bank in Bulgaria and the closest direct competitor to Postbank, offering a similar full suite of retail, SME, and corporate banking products through a comparable nationwide branch network. Both compete directly for the same mass-market consumer and corporate deposit/lending relationships.
• DSK Bank: One of Bulgaria's leading universal banks with a strong retail and corporate franchise and extensive branch network. DSK and Postbank compete head-to-head across consumer loans, mortgages, cards, deposits, and SME banking in Bulgaria.
• First Investment Bank (Fibank): Bulgarian universal bank offering retail, SME, and corporate banking services with a comparable product suite (consumer loans, mortgages, cards, deposits). Fibank is a direct domestic competitor for the same Bulgarian retail and corporate customer base.
• Raiffeisenbank Bulgaria: Subsidiary of Raiffeisen Bank International providing universal retail and corporate banking in Bulgaria. Competes with Postbank on consumer lending, mortgages, cards, and SME banking through a similar multi-channel distribution model.
• Alpha Bank Bulgaria: Greek-owned Bulgarian universal bank serving retail, SME, and corporate clients. Direct competitor to Postbank with similar product breadth, branch distribution, and digital banking capabilities targeting the same Bulgarian customer base.
• KBC Bank Bulgaria (formerly UBB): Bulgarian universal bank owned by KBC Group, offering retail, corporate, and digital banking. Direct competitor across consumer lending, mortgages, deposits, and SME services with comparable digital transformation ambitions.
• OTP Bank Bulgaria: Bulgarian subsidiary of OTP Group, providing retail, SME, and corporate banking. Competes with Postbank on consumer loans, mortgages, cards, and digital banking with comparable nationwide distribution and product breadth.

Broad incumbents

• Eurobank Ergasias: Greek parent bank of Postbank (Eurobank Bulgaria AD). Comparable as a universal commercial bank with retail, corporate, and digital banking — relevant for benchmarking group-level digital and AI transformation strategy flowing down to the Bulgarian subsidiary.
• Piraeus Bank: Greek universal bank and historical Eurobank peer — relevant for benchmarking group-level retail/corporate banking, digital transformation, and AI initiatives that ultimately shape the Bulgarian subsidiary's competitive positioning.

Emerging players

• Revolut Bulgaria: Digital-first neobank with a Bulgarian presence offering low-fee multi-currency accounts, cards, and P2P payments. Threatens Postbank's retail current account and FX economics with a structurally lower cost-to-serve and a digitally native customer experience.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/PostbankBulgaria
• LinkedInlinkedin.com/company/postbank-bulgaria
• Instagraminstagram.com/postbankbulgaria
• TikToktiktok.com/@postbankbulgaria

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Postbank