Fibank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Fibank is a Bulgarian bank for households and teenagers who want an account with a named regulator and deposits covered by EU DGS up to EUR 100,000. It suits savers who can leave money in a fixed deposit until the term ends, and readers who want a bank balance rather than a wallet.
Key facts
- Best for
- A current account with a monthly fee of €0 and a fixed deposit paying 2% to 2.5%.
- Monthly fee
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Currency conversion fee
- 0.25%↗
- Currencies
- 4↗
- Free ATM withdrawals
- €0↗
- Transfer fee
- Free between own accounts and to other Fibank clients via My Fibank; outgoing interbank SEPA per bank tariff↗
- Legal entity
- First Investment Bank AD↗
- Headquarters
- Bulgaria↗
- Founded
- 1993↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Teens
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- fibank.bg
Savings
Money transfer
- Delivery time
- Next business day (tom value); same-day value for UNIBAN North Macedonia and PIB Albania↗
- Payout methods
- Bank, Card, Cash-pickup↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXappgallery.huawei.com
Pros and cons
Pros
- Deposits sit under EU DGS up to EUR 100,000, and the Bulgarian National Bank supervises the provider.
- Support runs on email, chat and phone, covering phone, email, chat and a help centre.
- Transfers between your own accounts and to other Fibank clients through My Fibank are free.
Cons
- Only 4 currencies sit on the current account, a short list for anyone paid in several.
- The fixed deposit locks money in, since top-ups close after a short opening window and an early withdrawal breaches the conditions.
- A minimum deposit of €2,500 is needed to start, above the everyday account median of €0.
Who it suits
- Bulgarian households that want a current account with a monthly fee of €0 and a protected balance.
- Teenagers, since the banking packs list teen as the target customer.
- Savers who can place €2,500 and leave it for a term of 12 to 36 months.
Who should look elsewhere
- Skrill, for readers who need a longer currency list and will accept a conversion fee of 3.99%.
- PayPal Colombia, for people who want a wallet with a monthly fee of $0 instead of a bank balance.
- eToro, for anyone after a trading platform rather than a fixed deposit paying 2% to 2.5%.
Rates and card terms
The Fibank deposit pays 2% to 2.5% at a fixed rate over a term of 12 to 36 months. The rate is set when the deposit is opened, so the return you sign up for is the return you keep to the end of the term. A shorter term suits money you may want sooner, while a longer term suits a lump sum you can leave alone in place.
How Fibank compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9eToro's monthly fee is £0, the same as Fibank's €0, so monthly cost alone does not separate them.
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0Skrill's conversion fee is 3.99% against 0.25% at Fibank, so converting through the bank account costs less.
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where Fibank is available
- Available
- Bulgaria
- Licence in Bulgaria
- Bulgarian National Bank (BNB), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does a Fibank current account cost each month?+
The monthly fee is €0 and the account sits in the no monthly fee group, so keeping it open costs nothing. The charge to watch sits elsewhere: transfers between your own accounts and to other Fibank clients through My Fibank are free, while outgoing interbank SEPA transfers follow the bank tariff.
Is money held at Fibank protected?+
Deposits sit under EU DGS up to EUR 100,000, and the provider is First Investment Bank AD, a bank supervised by the Bulgarian National Bank in Bulgaria. That named regulator and the protection scheme are what separate this balance from money in an e-money wallet, where the same cover does not apply.
What does the Fibank fixed deposit pay?+
It pays 2% to 2.5% over a term of 12 to 36 months at a fixed rate, so the return is set when the deposit is opened and does not move with market rates. The minimum deposit is €2,500, which decides whether that headline is worth locking money away for.
Can I top up or break the deposit early?+
Top-ups close after a short opening window once the deposit is open, and withdrawing before maturity breaches the deposit conditions. The fixed deposit then auto-renews for a new term, so the balance rolls into the next period unless you close it at maturity.
How do payments and withdrawals work on a Fibank account?+
Outgoing foreign currency and euro payments to third parties carry next business day value, with same-day value on UNIBAN routes in North Macedonia and PIB Albania. Money can come out to bank, card and cash pickup, and transfers to other Fibank clients through My Fibank are free of charge.
Who is a Fibank account aimed at?+
The banking packs list teen customers, and the current account carries a monthly fee of €0, which suits a younger customer in Bulgaria starting out with a bank account of their own. Support runs on email, chat and phone for questions on the account or the card.
Who runs Fibank and how is it regulated?+
The provider is First Investment Bank AD, headquartered in Bulgaria and founded in 1993, and the Bulgarian National Bank is the named regulator. Its banking licence sits alongside deposit cover of EU DGS up to EUR 100,000, the pairing that matters when you park money for a term.
Sources
- fibank.bg/bg/chastni-lica/bankirane/bankovi-paketi checked September 26, 2026
Backs: Audience, Pricing model, Monthly fee, Transfer fee
- fibank.bg/bg/chastni-lica/bankirane/bankovi-smetki/standa... checked September 26, 2026
Backs: Currencies
- fibank.bg/bg/chastni-lica/bankirane/parichni-prevodi/prev... checked September 26, 2026
Backs: Delivery time
- fibank.bg/bg/chastni-lica/karti/debitni-karti/visa-debit checked September 26, 2026
Backs: Free ATM withdrawals, Features, Currency conversion fee
- fibank.bg/bg/chastni-lica/spestjavanija-i-investicii/spes... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type, Term
“Top-ups of funds after the first 7 calendar days are not allowed; withdrawal of funds before maturity leads to breach of the deposit conditions; the deposit is re-negotiated automatically for a new...”
- fibank.bg/bg/pomosht checked September 26, 2026
Backs: Support channels
- fibank.bg/bg/za-nas checked September 26, 2026
Backs: Deposit protection, Founded, Headquarters, Legal entity, Payout methods, Licences
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type.
Related by the facts
Fibank
A current account with a monthly fee of €0 and a fixed deposit paying 2% to 2.5%.