Five minutes to open.
With zero fees
The personal account with instant transfers, on-demand virtual cards, and spending you can actually see. Your Bulgarian IBAN, live today.
Shop safely on any website
Pay with confidence anywhere using instant virtual debit cards. Backed by 3D Secure two-factor authentication and dynamic encryption, your real banking details stay safe.
Freeze, unfreeze, or restyle cards in one click.
- Apple Pay
- GGoogle Pay
- Mastercard
How it works?
Opening a personal account has never been easier. Our streamlined digital process guides you every step of the way, so you can focus on what matters most - YOU.
Sign electronically and your Bulgarian IBAN is issued, ready for your first transfer.
Choose your account
A few quick questions
Occupation
Source of income
Verify your identity
Scanning document…
All set
Your IBAN is live
Signed & ready to receive funds
Personal IBAN
BG80 PAYM 9021 3345 67
The banking experience you deserve
Instant P2P money transfers0% fee
Send money to friends instantly. Split bills, share dinner checks, or send funds - 100% tax-free.
- Instant
- split
- tax-free
Next-gen security
Bank-grade security safeguards your funds and personal data at every turn.
- Active
- 3D-secure
Real-time expense tracking
Take control of your financial plan with an instant transaction history.
- Live
- insights
Real human customer service
No useless chatbots or automated loops. Access dedicated human customer service whenever you need a hand with your account.
- 24/7
- real-humans
- no-bots
No surprises, no monthly fees.
Here's what you pay on the Free plan. The complete price list is one click away.
Check our plans- Account opening
- 0.00 €
- P2P transfers between Payman accounts
- 0.00 €
- Funding via bank transfer
- 0.00 €
- Funding via P2P transfer
- 0.00 €
Frequently asked questions
Can't find the answer you're looking for? Reach out to our