Credit card TEMPO without annual fees
We offer you:
- Approval up to 30 minutes!
- No annual or monthly fees!
- Instant issuance, you get your card immediately!
What you get
Instantly
Instant issuance, you get it right away!
No fees
No annual or monthly fees
Economical
Interest only on the utilized amount of the credit limit
Advantages
- Approval up to 30 minutes! NEW!
- Instant issuance, you get your card immediately!
- You only owe interest on the amount drawn from the credit limit.
- Quick and easy online purchases, booking plane tickets, hotels, etc.
Tempo credit card without annual fees
Currency
BGN
Maximum credit limit
BGN 5 000
Grace period
Up to 45 days for purchases of commodities and services
Advantages
No annual or monthly fees!
No fee when purchasing in the country or abroad.
NEW! Instant issuance, you get your card immediately!
Annual fee (fixed)
19,95% for purchases
The annual interest rate is fixed.
Annual rate of expenditure
The maximum ARE (Annual rate of expenditure): 21.88% for a credit card with a limit of BGN 5 000, fully redeemed in cash, for a fixed annual interest rate of 19.95% and repayment period of 2 years with a monthly fee of BGN 254.36, the total amount due is BGN 6 104.54
Validity period
2 years with an option for automatic, free renewal
Fees and commissions Tempo credit card
Issuing of a main card, issuing of an additional card, or reissuing of the card after the expiry date
No fee
Annual maintenance fee
No fee
Cash withdrawals
- Cash withdrawal at Bank ATMs
BGN 3 + 2%
- Cash withdrawal on POS terminal at Bank's
BGN 5 + 1.5%
- Cash withdrawal at ATMs of other banks in Bulgaria
BGN 5 + 2% (min. BGN 10)
- Cash withdrawal on POS terminals of other banks in Bulgaria
BGN 8 + 1.5% (min. BGN 15)
Payments of commodities and services at POS terminal in Bulgaria
No fee
Payment of recurring bills via ATM, by phone, and Internet/ Bpay
No fee
Transactions abroad
Cash withdrawal at ATMs within the EEA
BGN 5 + 2% (min. 10 BGN)
Cash withdrawal at ATMs outside the EEA
BGN 7 + 3.00% (min. 12 BGN)
Cash withdrawal on POS terminal within the EEA
BGN 8 + 1.5% (min. BGN 15)
Cash withdrawal on POS terminal outside the EEA
BGN 8 + 3% (min. 15 BGN)
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 credit cards MasterCard Tempo
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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Limits in Bulgaria in the account currency |
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Transactional limit type |
For one transaction |
Per day (24 hours) |
For 7 days |
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Cash withdrawal (ATM and POS) |
2 000 BGN, 1 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD |
|
POS payment (physical or virtual) |
3 000 BGN, 1500 EUR/USD | 3 000 BGN, 1500 EUR/USD |
4 000 BGN, 2 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 4 000 BGN, 2 000 EUR/USD |
6 000 BGN, 3 000 EUR/USD |
|
Limits abroad in the currency of the account |
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Вид на транзакционния лимит |
For one transaction | Per day (24 hours) |
For 7 days |
|
Cash withdrawal (ATM and POS) |
2 000 BGN, 1 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD | 4 000 BGN, 2 000 EUR/USD |
|
POS payment (physical or virtual) |
6 000 BGN, 3 000 EUR/USD | 6 000 BGN, 3 000 EUR/USD |
10 000 BGN, 5 000 EUR/USD |
|
Total limit for withdrawal and payment |
N/A | 10 000 BGN, 5 000 EUR/USD |
10 000 BGN, 5 000 EUR/USD |
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Option for transaction |
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Payment through virtual POS (Internet) |
YES |
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Payment through physical POS (Internet) |
YES | ||
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Cash withdrawal (ATM and POS) |
YES |
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Transactional limit type |
|||
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Number of transactions per day |
30 |
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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 – of 5% from the used credit limit
or
- Paying in full your obligations, formed until the end of the previous month, and use a grace period when purchasing
Up to 45 days for purchase of commodities and services.
- 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 date of the transaction.
- If the obligations from the previous period are smaller than the minimum repayment due, then you owe an amount equal to the amount of the obligation.
- In the event of non-payment of the minimum repayment (in the amount of 5% of the used credit limit until the end of the previous period – in the following example: 5% x BGN 500, meaning BGN 25), the unpaid part of the obligation and is charged with the corresponding overdue interest.
Repayment:
- In every Texim Bank offices
- Through the mobile app
- Through online banking
- Through automatic repayment from another bank account
- 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 balance
- 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
- 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
In all Texim Bank offices – with an option to file a request and be approved and receive your card within 30 minutes!
Additional options, advantages, and recommendations
3DS Online payments
- Maximum safety for the online payments
- You confirm payments through static and dynamic passwords or biometric authentication
Safety tips
- When withdrawing funds from an ATM
- When paying for commodities and services on the Internet
- When paying at a physical POS terminal
Cards-connected promotions
- Current promotions and games
- Use your card and be a winner