Mastercard DZEN

With the international bank card Mastercard from Tokuda Bank you can shop and withdraw cash in Bulgaria and abroad from any ATM  with the Mastercard logo.



Account currency


Card validity

48 months

Minimum balance

BGN 10

  • You can have more cards issued to go with yours to relatives and family members and keep track of the transactions executed with them by receiving text message notifications and checking the transactions on your account.
  • You can limit the access of the card(s) to Bulgaria and set individual limits on the use of the funds in your account.
  • Easy access to the funds in your account at any time of the day.
  • Maximum transaction security using the latest generation chip technology.
  • Receive transfers into the account linked to your card from other banks in Bulgaria and abroad.
  • Make secure online payments using the 3-D Secure service.
  • Access to additional funds from the account linked to your card in the form of an overdraft facility.


  • You must be a Bulgarian citizen or foreign resident aged 18 or over
  • Show a valid identity documen

How to Apply

At a bank branch

Go to a bank branch and apply for your new card.

Online Enquiry

Complete the online enquiry form and one of our consultants will get back to you.

Further options

Payment of Utility Bills

You can pay your utility, subscription or other bills at an ATM, online at or via the additional service “Electronic Utility Bills – Automatic Bill Payment”.

Text Message Notification

We recommend you use the text message notification service for transactions executed in Bulgaria or abroad. It provides additional security and information on payments made using your card.

More Secure Online Payments – 3-D Secure

3-D Secure is a service for higher security in online debit and credit card payments. When using this service, in addition to the standard details required by retailers in online payments – card number and expiration date, holder name and CVV (CVC) number – you have to enter a 3D password (combination of letters and digits) sent to your phone.

The 3-D Secure service allows you to sign up to the international card operator’s Mastercard Secure Code programmes for additional online payment security.

Which cards can use the 3-D Secure service?

Mastercard SecureCode can be used by holders of Maestro debit cards and Mastercard credit cards issued by Tokuda Bank.

How does 3-D Secure work?

Using the 3-D Secure service does not change how you have shopped until now. Before you complete the payment, you will be asked for your 3D password, which is only known to you. Only after you enter it correctly will you be able to pay with the card. This only makes your online purchases more secure when you pay at retailers signed up to Mastercard Secure Code.

Do the following for more secure payments:

First, register your card with the 3-D Secure service at a Tokuda Bank ATM or another ATM of the Bulgarian network Borica.

Then, start shopping online by visiting your favourite e-commerce websites. If the website requires that payments be made by entering a 3D code for additional security, a screen with the Mastercard SecureCode logo will appear.

  1. Enter your details and your card’s details.
  2. Enter your 3D password.
  3. Press the Submit button.

Online Banking

Online banking is a secure and reliable system available at any time and place, at your disposal 24 hours a day.

Learn more