Bank Transfer: Unfashionable, Traceable, Reliable

Of all the rails on this site, a plain bank transfer is the least exciting and the least likely to go wrong. It carries no strong-authentication step to time out, no merchant category to be refused, no network to select and no voucher to lose. What it carries instead is the banking cycle, and that is the whole trade: reliability bought with time.

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The figures

Minimum deposit

40 лв.

Minimum withdrawal

40 лв.

Deposit speed

Same or next business day

Payout after approval

1–3 business days

The 40 лв. deposit floor is higher than the 20 лв. that applies on cards, wallets and the domestic systems, which is one reason bank transfer is rarely the rail of choice for small top-ups. Its natural use is larger, less frequent movements where a day or two makes no difference.

Why the cycle matters more than the amount

Interbank settlement runs on working days. A transfer instructed late on a Friday, or on a public holiday, waits for the next processing window regardless of how it was initiated, and the operator’s own review — normally within about 24 hours — sits in front of the outbound leg. The result is that the same request can take a day midweek and most of a week across a holiday, without anything having gone wrong. The two-clock model is explained on the withdrawal page.

Getting the details right

The account must be in the name of the registered account holder. A transfer from a business account or a relative’s account will not pass verification.
The reference supplied by the cashier has to be copied exactly, since it is what associates the money with the gaming account.
The receiving details are the ones displayed in the cashier at that moment, not ones saved from a previous transfer.
The amount must clear the 40 лв. floor after any bank charge, not before it.

A missing or mistyped reference is the usual cause of a deposit that never appears. The money is not lost, but reconciling it manually means contacting support with the transfer details and waiting, which removes the reliability advantage that made the rail attractive.

Currency, and the euro question

Bulgaria joined the euro area in 2026, so a cashier may show balances in euro at the fixed rate of 1.95583 лв. to the euro. On a bank transfer this matters in a specific way: if the sending account and the gaming account are denominated differently, the bank converts, and on a large single transfer that margin is a real number rather than a rounding detail. Sending from an account in the same currency as the gaming account avoids it entirely.

When to prefer it, and when not

Bank transfer suits larger amounts, full traceability in a personal record, and situations where a card has been refused for merchant-category reasons. It does not suit small frequent deposits, weekend activity or anyone who wants money back within a day — for those, ePay.bg and EasyPay pay out within 24 hours of approval, EasyPay uniquely in cash at a counter, and the wallets on the Skrill page behave the same way. The full comparison is on the payments desk.

Open the operator’s cashier

Questions about transfers

Can a transfer be sent from a joint account?

Only where the registered account holder is a named owner of it. Verification compares the name on the transfer with the identity documents, and any mismatch stops the payout rather than the deposit.

Are bank charges deducted from the deposit?

That depends on the sending bank’s schedule. Where a charge is deducted in transit, the credited amount must still clear the 40 лв. floor, so sending a small margin above it is prudent.

Is a transfer more secure than a card payment?

It is different rather than safer. No card number is exposed, but the transaction is also harder to reverse. The security that matters most sits with the account itself — a unique password and two-factor authentication.

Related: Trustly open banking, Visa and the Alphawin desk.