When exchanging currency bear in mind that rates fluctuate on a day to day basis but if you are coming from mainland Europe the value of the lev against the Euro has been pegged at a fixed rate of 1 Euro = 1.95 BGN
The monetary unit in the Republic of Bulgaria is the Lev , which is equal to 100 stotinki
You could order and and buy the lev in your home country before setting out to Bulgaria but you may get a better exchange rate if you bring your currency with you which can be easily and safely exchanged at banks in the cities and resorts.
You can find current information on exchanging currency in Bulgaria on the site of the
Bulgarian National Bank:
Best Places for Exchanging Currency in Bulgaria
There are many ATM (cashpoints) available around the cities which operate with Mastercard, visa electron etc
Never be tempted to exchange money on the streets. This common sense advice goes for any country in the world and is not aimed at Bulgaria in particular.
When exchanging your currency my first recommendation would be the Banks and then secondly any of the money exchange bureaus that you will find around the cities.
They tend to give a more favourable exchange than the hotels and airports, my third choice of currency exchange.
Coins are not accepted. Bank notes have to be clean, no tears or writing or major creases.
Bank of Scotland notes, I understand, are not accepted.
Remember to take your passport with you for exchanging your currency. Or alternatively you can photocopy your documents which the bank will honour as proof with the address of the hotel where you are staying.
Credit Cards and Cash Spending
Major Towns and Cities.The use of international credit and debit cards has become more widespread here in Bulgaria. Many hotels and shops and many restaurants accept them.
Rural towns and villages A local village shop will not have the equipment to accept cards. It would be wise to always carry some cash particularly if you are going site seeing.
Crime rate is very low in Bulgaria but always be aware it does exist. Guard your money well only withdraw a few days cash at a time and safeguard your cards and pin numbers.
Bulgarian Deposit Insurance Fund
For those who may have money savings in a bank in Bulgaria
The BDIF guarantee will cover both deposits in levs and in foreign currency. Deposits are repaid in national currency only. The guarantee covers deposits of Bulgarian and foreign citizens as well as of Bulgarian and foreign companies.
The Fund protects depositors’ funds in banks up to BGN 196,000 (EUR 100,000), as well as creditors’ interests in bank bankruptcy proceedings, thus promoting stability and confidence in the banking system.
Presently the Fund protects depositors’ savings with 24 different banks