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Melhor Neobanco em Bulgaria 2026

4 neobancos disponíveis · Atualizado em março de 2026

Bulgaria uses BGN (pegged to EUR, not yet adopted). Revolut is dominant. N26, Trade Republic, and Qonto not available here.
🏆 Our Top Pick for Bulgaria

Revolut

The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers

🛡️ €100K deposit protection ✓ App in local language

Revolut available in Bulgaria. LT IBAN (passported). App in Bulgarian.

Todos os neobancos disponíveis em Bulgaria

1

Revolut

🛡️ Full Bank

The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers

Revolut available in Bulgaria. LT IBAN (passported). App in Bulgarian.

Plano gratuito 💰 Savings up to 2.59% AER 📈 Investing ₿ Crypto 🌍 Local language
2

Wise

🟡 E-Money

The global benchmark for transparent, low-cost international transfers — always at the real exchange rate with no hidden markups; 4.3/5 Trustpilot from 220K+ reviews confirms industry-leading trust

Wise available in Bulgaria. EUR IBAN via BE entity. No Bulgarian app language.

💰 Savings up to 4.75% (GBP); ~3.20% (EUR) 📈 Investing
3

Vivid Money

🟡 E-Money

SME-focused business banking (as of the March 2025 retail-exit pivot) with a multi-IBAN Pockets model (up to 15 country-specific IBANs in one account) plus an attached MiFID II brokerage and a MiCAR-licensed crypto surface — a combination no other EU SME banking product matches.

Vivid Money available in Bulgaria after 2024 expansion. LT IBAN (passported).

Plano gratuito 💰 Savings variable (ECB-linked) 📈 Investing ₿ Crypto
4

bunq

🛡️ Full Bank

Europe's second-largest neobank by deposits (€8B+) with the most granular IBAN-per-sub-account architecture; first new fully licensed bank in the Netherlands in 38 years; strong sustainability angle

bunq available in Bulgaria. NL IBAN (passported). No Bulgarian language support.

Plano gratuito 💰 Savings up to 2.46% AER

Not Available in Bulgaria

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N26

N26 is not available in Bulgaria as of March 2026.

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Trade Republic

Trade Republic is not available in Bulgaria as of March 2026.

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Qonto

Qonto is not available in Bulgaria.

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Monzo

Monzo not yet launched in Bulgaria.

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Lunar

Lunar is Nordic-only. Not available in Bulgaria.

Perguntas frequentes

Which is the best neobank in Bulgaria?

Revolut is our top pick for Bulgaria in 2026. Revolut available in Bulgaria. LT IBAN (passported). App in Bulgarian.

How many neobanks are available in Bulgaria?

4 of the major EU neobanks are available in Bulgaria: Revolut, Wise, Vivid Money, bunq.

Do neobanks in Bulgaria offer local IBANs?

None of the major neobanks currently offer a local BG IBAN in Bulgaria. They provide IBANs from their country of registration, which are accepted across the EU under SEPA rules.

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