In all its branches and offices CIBANK accepts orders for cash and cashless payments and transfers in BGN and in foreign currency by local and foreign persons. You can receive payments ordered in your favour by other customers of the Bank, from other banks in the country and abroad.

Cash transfer (transfer with depositing funds at a cash desk). Cash transfer is an order for payment to accounts of customers of CIBANK or other banks in the country without requiring the presence of an opened account.

Cashless payments and transfers for amounts of up to BGN 100,000, to accounts with the Bank (internal transfers) and to accounts with other banks (interbank transfers) carried out through the BISERA net settlement system.
 

Timelines for execution of payments:

• Internal payment orders shall be executed on the date of their submission with a value date on the same business day if they are submitted on paper by 5.00 pm, and electronically by 6.00 pm.
• Orders in favour of clients of other banks submitted to the Bank on paper by 1.00 pm, and electronically by 3.00 pm shall be executed with a value date on the same business day, and the recipient shall receive the funds on the day they have been ordered.
• Orders in favour of clients of other banks submitted to the Bank on paper after 1.00 pm, and electronically after 3.00 pm shall be considered received on the following business day and shall be executed with a value date on the following business day;
• Incoming payments in BGN shall be credited to the recipient's account with the value date which they have received at CIBANK.

Cashless payments and transfers carried out in real time through the gross settlement system RINGS:

• for amounts of/over BGN 100,000;
• for amounts without limitations, as requested by clients.
   

Payment orders in favour of clients of other banks shall be executed with a value date on the same business day. Within two hours after submitting the payment orders to the Bank, the funds shall be credited to the recipient's account.

Deadline for executing payments in real time:

• by 2.30 pm for payment documents submitted at the bank offices;
• by 3.00 pm for electronic banking payments (online banking).

The Bank offers payments ordered electronically through the Online Banking - CIBANK ONLINE System.