Global freelancers based in Bulgaria can benefit significantly from having a business account that makes it easy to send, hold and receive payments in multiple currencies such as euros.
In this guide, we've listed some of the top business account providers and options for freelancers in Bulgaria, covering their features and fees to help you make an informed decision.
Our list includes Wise Business with information on how it can support international operations for freelancers in Bulgaria.
Discover Wise Business 🔎
Disclaimer: The UK Wise Business pricing structure is changed on 26/11/2025. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.
Provider features, fees, eligibility checks, protections and timelines mentioned in this article may vary by customer, business type, application outcome, plan and country. Check the provider's website and terms and conditions for the most accurate and up-to-date information.
Wise services and features are not available in all regions, country and product restrictions apply. Visit wise.com to check availability, and for fee details and terms for your region, visit our pricing page for Wise Business.
Summary of options
Comparison basis: The Wise prices below are for UK residents opening a UK Wise Business account. The other providers' prices are for their named local or UK plans and may have different eligibility, included services and currencies. These aren't like-for-like total-cost quotes; compare the same payment and account use case, including FX, transfer and card fees, before choosing.
1. Wise Business
Wise Business can help eligible freelancers receive EUR client payments and manage international spending. For clients in Bulgaria, check that your account has the relevant EUR receiving details and compare the full EUR-to-GBP conversion cost if you plan to convert the earnings into GBP.
Wise Business features available in Bulgaria:
- Send money to supported countries and pay overseas invoices at the mid-market exchange rate with transparent fees (product availability and fees vary by route and region)
- Receive payments in supported currencies, subject to the receiving method and account eligibility
- Get local account details for eligible currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
- Hold money in supported currencies
- Convert supported currencies at the mid-market exchange rate with transparent fees
- Use the batch payments tool to prepare multiple payments in one workflow, subject to current limits and account eligibility
- Get business debit cards for eligible team members to keep track of spending in supported locations, with transaction visibility and categorisation
- Manage cash across supported currencies and business accounts, subject to feature availability
- Connect and sync supported business transactions to your accounting software, including Xero, QuickBooks, and more
- Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
- Create custom professional invoices and schedule invoice payments for future dates (scheduled transfers must be set at least two days ahead; the exchange rate and fee are determined when the transfer runs, and team approval may be required)
- Automate payouts with the Wise API (with a sandbox for testing, API tokens and implementation documentation; access requires an eligible, verified Wise Business account)
Country and product restrictions apply. Wise services and features are not available in all regions. Visit wise.com to check availability.
Fees:
Wise Business offers a free Essential plan for basic spending and transferring. If you need to receive money, set up direct debits, or generate invoices, you'll pay a one-time £50 setup fee to unlock the Advanced features.
Here's a more detailed breakdown of Wise Business pricing in the UK:
- Account details for receiving payments: £50 one-time fee
- Sending money: from 0.24%, depending on currency and route
- Holding money: £0 Wise fee
- Receiving domestic payments (non-SWIFT / non-wire): £0 Wise fee
- EUR SWIFT payments: €2.39
- ATM withdrawals: £0 Wise fee up to £250/month per account, then 2.69% on the amount above £250; ATM providers may charge separately
Note: The fees mentioned above are for UK residents opening a Wise Business account in the UK. If you are opening a Wise Business account for the first time in Bulgaria, then refer to the Wise Business pricing for Bulgaria.
The withdrawal allowance with no Wise fee varies by country and is calculated per account. Check wise.com/pricing for additional information.
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2. Airwallex
Airwallex may suit an eligible business that receives overseas client payments and pays expenses in several currencies. Compare its European plan with your actual monthly receipts, transfers and team spending.
Features:
According to Airwallex's European pricing page:
- Explore includes Global Accounts in supported currencies, local payouts and batch payments.
- It includes five active spend users, ten company cards, bill payments and Xero/QuickBooks connections, subject to fair-use limits.
- Grow adds more company cards and customisable approvals.
- Accelerate offers a tailored package for more complex business operations.
Fees:
According to Airwallex's European pricing page:
- Explore costs €19/month, or €0 when the €10,000 qualifying monthly deposit or minimum balance condition is met.
- Grow costs €49/month; Accelerate is custom-priced. Prices exclude VAT.
- Eligible domestic transfers in EUR, GBP and CHF have no Airwallex transfer fee. SWIFT transfers cost €10–€20, depending on route and charging option.
- Currency conversion, additional active users and transactions outside the package can cost extra. Check the quote for your payment.
3. DSK Bank — DSK Progress
DSK Progress may suit freelancers who need a Bulgarian bank account alongside cards, digital payments and access to cash services. Confirm that your business type qualifies before applying.
Features:
According to DSK Bank's DSK Progress page:
- The package includes a main EUR current account, an additional account in EUR or USD, and DSK Direct online banking.
- It includes up to five debit cards linked to the main account and one linked to the additional account.
- Up to 30 qualifying electronic outgoing EUR payments to other banks in Bulgaria or the EEA are included each month.
- Intra-bank EUR transfers are included. Recurring, future-dated, express, batch and payroll payments have separate conditions and are excluded from the standard interbank allowance.
- A SoftPOS subscription is included for eligible businesses that need to accept card payments.
Fees:
According to DSK Bank's DSK Progress page:
- The monthly package fee is €20.45.
- A reduced €18.40 monthly fee applies when the qualifying cards linked to the main account make at least ten POS purchases in the month.
- Branch cash deposits and withdrawals from the main account cost €2.56 per transaction within the respective monthly package limits of €38,346.89. The standard tariff applies above those limits.
- ATM deposits cost 0.05%, with a minimum of €0.51.
- Eligible ATM withdrawals receive a 50% reduction from the bank's standard tariff. Other transactions and services remain chargeable under the applicable tariff.
4. Revolut Business
Revolut Business requires a supported registered business. Its Bulgarian eligibility guidance includes registered sole traders (Ednolichen turgovetz); don't assume that every freelance registration qualifies.
Features:
According to Revolut Business's Bulgaria plan comparison, Basic includes:
- Multi-currency accounts and physical and virtual cards.
- Ten local transfers and a €1,550 monthly FX allowance.
- No included international transfers or bulk payments.
Grow adds:
- 100 local transfers, five international transfers and a €15,000 monthly FX allowance.
- Bulk payments and custom approvals.
Scale includes:
- 1,000 local transfers, 25 international transfers and a €60,000 monthly FX allowance.
- The additional payment and approval tools included in Grow.
Fees:
According to Revolut Business's Bulgaria plan comparison:
- Monthly billing: Basic €10, Grow €35 and Scale €125. Enterprise is bespoke.
- FX above the allowance costs 0.6%; a 1% fee applies outside market hours.
- Additional international transfers cost €5 each; additional local transfers cost €0.20.
- ATM withdrawals cost 2%.
- Expenses costs €5 per active user/month. Other optional services and transfer routes can carry separate charges.
5. UniCredit Bulbank — Business Leader
UniCredit's Business Leader packages provide business banking with different allowances for cards and payments.
Features:
According to UniCredit Bulbank's Business Leader page:
- Light includes a EUR account, digital banking, two debit cards and 20 qualifying electronic outgoing EUR payments to other banks in the EEA.
- Gold increases the card allowance to four and qualifying payments to 50, with additional account and premium-card options.
- Premium increases these allowances to six cards and 100 qualifying payments.
- Package benefits include intra-bank EUR payments and eligible ATM services. Check the precise transaction types and limits before treating a payment as included.
Fees:
According to UniCredit Bulbank's Business Leader page:
- Light: €14.83/month.
- Gold: €29.65/month.
- Premium: €65.96/month.
- Premium includes qualifying branch cash deposits up to €7,669.38/day and withdrawals up to €2,556.46/day.
- Transactions beyond the package limits, currency conversion and other optional services follow the applicable bank tariff.
Manage your freelance earnings in Bulgaria like a pro with Wise Business
Wise Business offers several features to help global freelancers manage their earnings and money. For instance, you can get local account details in 8+ currencies, making it easier for you to receive money as your clients can pay you in a currency they know and trust.
You can also create invoices, make payments to subcontractors or other freelancers, and sync supported transactions with accounting software to keep on top of your finance admin.
Wise Business offers a free Essential plan for basic spending and transferring. If you need to receive money, set up direct debits, or generate invoices, you'll pay a one-time £50 setup fee to unlock the Advanced features.
With Wise Business, you can:
- 🌍 Send money to 70+ countries and pay overseas invoices at the mid-market exchange rate with low, transparent fees and no hidden exchange rate markups (product availability varies by region)
- 📥 Receive payments in 24 currencies and counting
- 💵 Get local account details for 8+ currencies, including USD and EUR, to let your customers pay in a currency they know and trust - convenience for them and peace of mind for you
- 💰 Hold money in 40+ currencies
- 🔁 Convert currencies anytime at the mid-market exchange rate with low, transparent fees
- ⚡ Use the batch payments tool to create and send up to 1,000 payments in a single transfer
- 👥 Run payroll and make international payments for up to 1,000 employees all over the world - including paying suppliers using local payment methods like ACH, SEPA, and Faster Payments
- 💳 Get business debit cards with 0.5% cashback for you and your team to keep track of team expenses and spend all over the world, with real-time visibility and categorisation. See full cashback terms and conditions
- 🏢 Manage cash in 55+ currencies across international offices from a single business account and move money between business accounts in seconds (exact speeds can vary depending on individual circumstances and may not be the same for all transactions)
- 🧾 Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
- 🔐 Create your own payment approvals process to manage your team better with customised access for different team members, roles and permissions
- 📑 Create custom professional invoices and schedule invoice payments for future dates
- 📈 Earn variable returns on GBP, USD and EUR with Wise Interest (Growth not guaranteed. Your balance will go down in the event of a government default or interest rates going negative.)
- 🔗 Create payment links and QR codes to get paid easily (Card payment acceptance for new Wise Business customers is currently unavailable. Payment methods subject to eligibility and availability.)
- ⚙️ Automate payouts with the Wise API (comes with 24/7 customer support, a sandbox account to test integrations, API tokens, and clear documents on how to implement and make the most of our API)
Make the wise choice when selecting a business account for your domestic and global needs.
Be Smart, Get Wise.
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Wise Interest disclaimer: Growth not guaranteed. Your balance will go down in the event of a government default or interest rates going negative. Taxes may apply. 3.32% variable rate on GBP is based on 7 day performance as of 05 Aug 2026. For full 5-year past performance and fund information, visit https://wise.com/interest. Investments are offered by Wise Assets UK Ltd. (FRN 839689)
Wise services and features are not available in all regions, country and product restrictions apply. Visit wise.com to check availability, and for fee details and terms for your region, visit our pricing page for Wise Business.
Frequently asked questions
Which currency should freelancers use for payments in Bulgaria?
Bulgaria adopted the euro on 1 January 2026, according to the European Central Bank. This guide therefore uses EUR. Agree the invoice currency with your client and compare any conversion cost if your income or expenses are in GBP.
Can a freelancer open Revolut Business in Bulgaria?
It depends on the registered legal form. Revolut's eligibility guidance includes registered sole traders, but that doesn't establish eligibility for every person working as a freelancer. Check your exact registration before applying.
Which accounts combine Bulgarian banking with cash services?
DSK Progress and UniCredit Business Leader include local bank services alongside digital payments. Their cash charges and allowances differ, so compare your expected number and value of deposits and withdrawals against the DSK Progress conditions and Business Leader package terms.
How should I compare a Bulgarian business account with a UK multi-currency account?
Start with the account holder: you personally as a registered sole trader, or your company. Then check where that person or company must be resident or registered. Compare the same monthly activity across the accounts you qualify for, including EUR receipts, GBP conversion, transfers, cards and cash transactions. A UK price list alone doesn't establish eligibility for a Bulgarian business.
Sources:
- Airwallex - European plans and pricing
- DSK Bank - DSK Progress
- Revolut Business - Bulgaria plans
- Revolut - Supported business entities in Bulgaria
- UniCredit Bulbank - Business Leader packages
- European Central Bank - Bulgaria joins the euro area
Sources last checked on 5 November 2026
Wise Payments Limited (WPL) is an e-money institution, which means we protect customer funds by safeguarding them. WPL is authorised and regulated by the Financial Conduct Authority (FRN 900507). Learn more at wise.com.
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This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.
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