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.

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 makes your online purchases more secure only 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