Credit card Visa Corporate Gold
The card with which your business works!
- Intended for legal entities, sole traders, or persons exercising free professions and craft activities
- Designed specifically for business needs to facilitate payment processes.
The amenities you have
Effective
Effective cost control and optimization
Flexible
Revolving credit limit for working capital for a period of 3 years
Profitable
No application and issuance fee
Advantages
- Security – you don’t have to carry cash, pay for commodities and services, anywhere in the world
- Ease – you have complete information about the payments made
- Convenience – you pay all utility bills for your office
- Traveling abroad assistance insurance with high coverage
- Free access to VIP lounges at Sofia Airport
- Free access to Vienna Airport’s Vienna Lounge and Sky Lounge
- Current campaigns for Visa Premium cards
Some of the documents are currently only available in Bulgarian. We apologize for any inconvenience this may cause and are actively working on translation for wider accessibility.
Credit card Visa Corporate Gold
Currency
BGN, EUR, USD
Maximum credit limit
Up to BGN 50 000 or their equivalence in EUR and USD
Grace period
Up to 45 days for purchases of commodities and services
Annual fee (fixed)
14% for purchase at a merchant through a POS device
17% for cash withdrawal
The annual interest rate is variable and is formed by the Bank’s base interest rate on loans to legal entities, increased by a fixed allowance.
Minimum repayment installment
5% of the credit limit used
Validity period
3 years
GENERAL TERMS FOR ISSUING VISA GOLD INTERNATIONAL REVOLVING CREDIT CARDS
Issuing of a main card, issuing of an additional card, or reissuing of the card after the expiry date
No fee
TRANSACTIONS WITH VISA GOLD IN BULGARIA
Cash withdrawals in Bulgaria
- Cash withdrawal at Bank ATMs
BGN 3 + 2%
- Cash withdrawal on POS terminal at Bank's
BGN 5 + 2%
- Cash withdrawal at ATMs of other banks
BGN 5 + 2% (min. BGN 10)
- Cash withdrawal on POS terminals of other banks
BGN 8 + 1,50% (min. BGN 20)
- Payments of commodities and services at POS terminal in Bulgaria
No fee
- Bills payments via Internet/ Bpay
No fee
Receive cash on purchase from a commercial outlet
BGN 1.50
Issuing or renewing more than one card to a single cardholder
BGN 90
TRANSACTIONS WITH VISA GOLD ABROAD
Cash withdrawal at ATMs within the EEA
BGN 5 + 2% (min. BGN 10)
Cash withdrawal at ATMs outside the EEA
BGN 7 + 3% (min. BGN 15)
Cash withdrawal on POS terminal within the EEA
BGN 8 + 1,50% (min. BGN 20)
Cash withdrawal on POS terminal outside the EEA
BGN 8 + 3% (min. BGN 20)
Payments of commodities and services on POS terminal
No fee
Reimbursement /receiving funds on a card account through a card operation /Refund/
1,50 %
ADDITIONAL OPERATIONS WITH VISA GOLD CARDS
According to TEXIM BANK AD tariff
Standard transactional limits on TEMPO credit cards by Texim Bank
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Transactional limits |
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|---|---|---|---|
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Limits in Bulgaria in the account currency |
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Transactional limit type |
For one transaction |
Per day (24 hours) |
For 7 days |
|
Cash withdrawal (ATM and POS) |
4 000 BGN, 2 000 EUR/USD | 6 000 BGN, 3 000 EUR/USD | 12 000 BGN, 6 000 EUR/USD |
|
POS payment (physical or virtual) |
6 000 BGN, 3 000 EUR/USD | 6 000 BGN, 3 000 EUR/USD |
16 000 BGN, 8 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 12 000 BGN, 6 000 EUR/USD |
20 000 BGN, 10 000 EUR/USD |
|
Limits abroad in the currency of the account |
|||
|
Transactional limit type |
For one transaction | Per day (24 hours) |
For 7 days |
|
Cash withdrawal (ATM and POS) |
4 000 BGN, 2 000 EUR/USD | 8 000 BGN, 4 000 EUR/USD | 12 000 BGN, 6 000 EUR/USD |
|
POS payment (physical or virtual) |
10 000 BGN, 5 000 EUR/USD | 10 000 BGN, 5 000 EUR/USD |
16 000 BGN, 8 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 16 000 BGN, 8 000 EUR/USD |
20 000 BGN, 10 000 EUR/USD |
|
Option for transaction |
|||
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Payment through virtual POS (Internet) |
YES |
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Payment through physical POS (Internet) |
YES | ||
|
Cash withdrawal (ATM and POS) |
YES |
||
|
Transactional limit type |
|||
|
Number of transactions per day |
30 |
||
|
Number of transactions per week |
50 |
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If you wish, you can set individual limits at any time, tailored to your abilities.
Each month you can choose freely your way of repayment by:
- Submitting only the minimum monthly payment – 5% of the used balance
or
- Paying your balance in full and on time, thus you will not pay interest on purchases
- The maximum grace period for purchases is up to 45 days since if a certain purchase is made on March 1, the repayment of the obligation can be made until April 15.
- If you choose to repay only a part of the obligation, formed during the previous month, interest is charged on the number of purchases from the date of the transaction.
- The obligations, formed from cash withdrawal, do not have a grace period, meaning the charged interest always begins on the transaction date.
- In the event of non-payment of the minimum repayment (determined for the respective credit limit), the unpaid part of the obligation is charged with the corresponding overdue interest.
Repayment:
- In any Texim Bank office
- Through Mobile app
- Through Internet banking
- By automatic repayment from another account in the Bank
- Transfer to account
- Credit limit + service – the ability to use the card with both the assigned credit limit and the available funds on the account, transferred over the limit
- My limit service – the ability to choose for yourself what part of the allocated credit limit should be available for credit card transactions
- SMS for card transactions
- SMS for card balances
- Automatic repayment of the credit card obligations
- 3DS online payments
- Acceptance or denial of Internet transactions through Texim Bank mobile banking
- Automatic payment of bills from a card
- Paying household bills online
- B-Pay card payment at an ATM – Texim Bank
- General terms of TEXIM BANK AD
- Document with information about fees on a current account
- Your rights when making payments in Europe
- Your funds on bank accounts in BGN and foreign currency and the interest charged on them, opened in TEXIM BANK, in a total amount of up to BGN 196,000 are protected by Bulgarian Deposit Insurance Fund
- Terms dictionary
- Travel abroad assistance insurance
- In any office of TEXIM BANK
Additional options, advantages, and recommendations
3DS online payments
- Maximum security with online payments
- You confirm payments through static and dynamic passwords or through biometric authentication
Safety tips
- When withdrawing funds from an ATM
- When paying for commodities and services online
- When paying at a physical POS terminal
Cards-connected promotions
- Current promotions and games
- Use your card and win