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Currency Exchange Procedures: how it works in Bulgaria — first-hand

Short answer
Authorized banks must exchange BGN to EUR at the fixed official rate of 1.95583 without commission until July 1, 2026. The Bulgarian National Bank also provides unlimited free exchanges, while private exchange offices may charge significant fees.

From real experience

As of July 1st, commercial banks in Bulgaria may charge fees for exchanging Bulgarian Lev (BGN) to Euro (EUR).
Many banks have stated they will extend free exchange periods. The Bulgarian National Bank (BNB) continues to offer free and unlimited exchanges. Bulgarian Post ('Български пощи') has introduced fees: 6 EUR for exchanges up to 1000 BGN, and 10 EUR for exchanges over 10,000 BGN. By May, 92% of Lev cash was out of circulation. It is advisable to check bank fee schedules.
✓ 2 reports from chats
Bulgarian Lev (BGN) can be exchanged for Euros (EUR) at the Bulgarian National Bank (BNB) without limitations.
While tourists can exchange currency, it's generally advised to hold onto Euros as they are a stable currency. Exchange of Lev is possible; the BNB is the official entity for such transactions.
✓ 2 reports from chats
Bulgarian Leva can be exchanged for Euros in various locations.
Specific successful exchanges reported in Varna (Konstantin and Elena area) and Burgas Plaza (first floor exchange office, 1% commission for smaller denominations). One user successfully exchanged Leva to Euro at a bank in Burgas using a Russian passport. Local rumors about not accepting Leva are often inaccurate.
✓ 1 report from chats
In Bulgaria, authorized banks are mandated to exchange BGN to EUR at a fixed official rate (1.95583) without commission until July 1, 2026. Private exchange offices may charge significant commissions, sometimes reaching 20% on small transactions or specific payments.
✓ 1 report from chats
For currency exchange in Burgas, Bulgaria, banks like CCB (Central Cooperative Bank) are recommended over tourist exchange points.
CCB generally offers competitive, centralized rates with no commission for non-clients.
✓ 1 report from chats

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