Mastercard standard personal funds

Secured credit cards are bank cards where you use your own funds to pay in shops or online, make hotel or rent-a-car reservations, or withdraw cash from ATMs with the Mastercard logo in Bulgaria and abroad.



Account currency


Card validity

24 months

  • With your secured credit card, you get security, independence and flexibility whenever you need cash or want to pay for your purchases in Bulgaria or abroad.
  • You get to decide how much money will be available to you. Also, you do not have to pay money back on the credit card and you do not owe any interest.
  • To get such a card, you do not have to apply for a credit limit to the bank – simply deposit the money you want to be available to you into your Mastercard account.


  • Pay for goods and services in shops and online.
  • Use your credit card in stores, hotels, restaurants, travel agencies, airline offices, museums, theatres, etc. worldwide.
  • Withdraw cash at bank counters or ATMs worldwide.
  • Pay in the local currency wherever you are, and the payments will automatically be converted into BGN – your account’s currency.
  • Make reservations for hotels, restaurants, flights, plays, concerts, etc. without wasting time.
  • Hire a car without paying a deposit, saving yourself time and money.
  • Easily and conveniently keep track of all payments – for your peace of mind and for better bookkeeping.
  • Pay online – with your Mastercard, you can order any goods or services from all online shops and websites offering various services.


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

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 our additional service “Electronic Utility Bills – Automatic Bill Payment”.

Text Message Notification

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

Secure Internet Payments - 3DS Card Security

By participating in the Mastercard Secure Code Program for the use of a 3DS code for secure payments on the Internet, additional security is provided for payments with bank cards issued by Tokuda Bank AD on e-commerce sites to merchants participating in the program.

The use of the Mastercard Identity Check 3DS Program for secure payments on the Internet is also ensured by the already familiar identification method, with the introduction of an additional, static 3D password and a one-time dynamic 3D password sent by SMS.

• A static, permanent password to confirm online card payments is delivered to you with your card PIN letter

• A dynamic one-time password is delivered to you via SMS during an online transaction

Every time you pay on the Internet, the payment will be confirmed only by a combination of the two passwords - a static 3D password known only to you and a one-time dynamic 3D password that you receive on your mobile number registered with the Bank. The combination of these two passwords provides you with high security of payment operations carried out with a card on the Internet.

To change your static password, which you already know and use, but would like to change, please use the link here: 3-D Secure Enrollment (

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