Fund Recovery in Bulgaria

Lost money to an online scam in Bulgaria? TrustUs Recovery Ltd pursues recovery through the routes available locally — card chargebacks, SEPA or bank recall, crypto tracing, and complaints to Financial Supervision Commission (FSC).

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Bulgaria at a glance

RegulatorFinancial Supervision Commission (FSC)
Banking / payments supervisorBulgarian National Bank (BNB)
Ombudsman / ADRConciliation Commission for Payment Disputes
CurrencyEUR
SEPAyes

Visa/Mastercard chargebacks within scheme limits. Bulgaria adopted the euro on 1 Jan 2026 (fixed BGN 1.95583 = EUR 1) and is in the eurozone/SEPA — euro transfers with SEPA recall. PSD2 unauthorised-transaction refund applies.

Major retail banks in Bulgaria include United Bulgarian Bank (UBB), DSK Bank or UniCredit Bulbank. If you paid one of them, contact its fraud team immediately — a recall is far more likely while the money is still there.

Recovery by scam type in Bulgaria

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