phyre plans

The phyre payment services are provided by Paynetics AD - e-money institution licensed by BNB. The pricing model of phyre is regulated by the Paynetics fees and limits.
Pricing is listed according to the wallet currency in the following sequence: BGN / EUR / GBP / RON.

  • STARTER
  • Monthly fee
    0 лв. / €0 / £0 / 0 lei
  • Personal IBAN in BGN or EUR
    0 лв. / €0 / £0 / 0 lei
  • Payment at POS
    0 лв. / €0 / £0 / 0 lei
  • Transfers between phyre users
    0 лв. / €0 / £0 / 0 lei
  • Transfer to IBAN in BGN
    1.10 лв. per transfer
  • Transfer to IBAN in EUR
    €0.55 per transfer
  • Virtual card
    0 лв. / €0 / £0 / 0 lei
  • Next Virtual card issuance
    2.49 лв. / €1.29 / £1.29 / 7 lei
  • Transfer to IBAN top-up
    0 лв. / €0 / £0 / 0 lei
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    0.59%
    Funds are available instantly.
    Min. fee 0.20 лв. / €0.10 / £0.10 / 0.50 lei, in rare cases, the fee may vary according to the card type.
  • Depositing cash at Cashterminal
    1.5%
    Funds are available instantly.
    Min. fee 0.20 лв. Available only for wallets in BGN currency.
  • Issuing and delivery of physical Mastercard
    9.90 лв. / €5 / £5 / 25 lei
    Delivery outside Bulgaria / Romania:
    15 лв. / €7.67 / £6.6 / 36 lei
  • ATM withdrawal
    BGN: 1.10 лв. per withdrawal in BGN, 1.50 лв. + 0.6% of the amount for other currency;
    EUR: €1 + 0.6% of the amount regardless currency of withdrawal;
    GBP: £1 per withdrawal in GBP, £0.80 + 0.6% of the amount for other currency;
    RON: 4 lei + 0.6% of the amount regardless currency of withdrawal
  • Currency exchange
    1.25% of the amount
  • Cash-out to your payment card when performed by us
    1.90 лв. / €1 / £1 / 5 lei
  • Monthly inactivity fee
    1.95 лв. / €1 / £1 / 5 lei
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • Utility bills payment
    No fee until 15.03.2022, 0.19 лв. per bill thereafter.
    Available only for wallets in BGN currency.
  • Fee for garnishment administration
    10 лв. / €5 / £5 / 25 lei
    For each separate garnishment
  • PLUS
    This plan is active from 02.06.20
  • Monthly fee
    4.95 лв. / €2.50 / £2.20 / 12 lei
  • Personal IBAN in BGN or EUR
    0 лв. / €0 / £0 / 0 lei
  • Payment at POS
    0 лв. / €0 / £0 / 0 lei
  • Transfers between phyre users
    0 лв. / €0 / £0 / 0 lei
  • Transfer to IBAN in BGN
    1 free transfer, 0.60 лв. thereafter
  • Transfer to IBAN in EUR
    1 free transfer, €0.30 thereafter
  • Virtual card
    0 лв. / €0 / £0 / 0 lei
  • Next Virtual card issuance
    0.89 лв. / €0.45 / £0.45 / 2.20 lei
  • Transfer to IBAN top-up
    0 лв. / €0 / £0 / 0 lei
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    Free up to 750 лв. / €380 / £330 / 1800 lei per month, 0.59% thereafter.
    Funds are available instantly.
    Min. fee 0.20 лв. / €0.10 / £0.10 / 0.50 lei, in rare cases, the fee may vary according to the card type.
  • Depositing cash at Cashterminal
    1%
    Funds are available instantly.
    Min. fee 0.20 лв. Available only for wallets in BGN currency.
  • Issuing and delivery of physical Mastercard
    9.90 лв. / €5 / £5 / 25 lei
    Delivery outside Bulgaria / Romania:
    15 лв. / €7.67 / £6.6 / 36 lei
  • ATM withdrawal
    1.10 лв. / €0.55 / £0.50 / 2.70 lei regardless currency of withdrawal
  • Currency exchange
    0.75% of the amount
  • Cash-out to your payment card when performed by us
    1.90 лв. / €1 / £1 / 5 lei
  • Monthly inactivity fee
    0 лв. / €0 / £0 / 0 lei
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
  • Utility bills payment
    No fee until 15.03.2022, 0.10 лв. per bill thereafter.
    Available only for wallets in BGN currency.
  • Fee for garnishment administration
    10 лв. / €5 / £5 / 25 lei
    For each separate garnishment

Limits based on levels of verification
For all plans

  • LEVEL 1
    Identity verification required at initial top-up and/or received funds after your phyre profile activation
  • Outgoing IBAN transfers or transfers within phyre network for an amount not exceeding:
    • 2.000 лв. / €1000 / £930 / 4.900 lei for a period of 1 year
    Incoming payment transactions (credit/debit card top-up, transfers within phyre network, IBAN transfers, card transfers) for an amount not exceeding:
    • 30.000 лв. / €15.300 / £14.000 / 74.300 lei for a period of 1 month or 1 year
    Outgoing payment transactions (transfers within phyre network, IBAN transfers, card transactions) for an amount not exceeding:
    • 30.000 лв. / €15.300 / £14.000 / 74.300 lei for a period of 1 month or 1 year
    Maximum account balance:
    • 30.000 лв. / €15.300 / £14.000 / 74.300 lei
  • LEVEL 2
    Fill out a declaration of source of funds required when reaching the limit of LEVEL 1
  • Outgoing IBAN transfers or transfers within phyre network for an amount not exceeding:
    • 6.000 лв. single transfer
    • 10.000 лв. / €5100 / £4600 / 24.700 lei for a period of 24 hours
    • 30.000 лв. / €15.300 / £14.000 / 74.300 lei for a period of 7 days
    • 60.000 лв. / €30.700 / £28.000 / 148.700 lei for a period of 1 month
    • 200.000 лв. / €102.500 / £93.328 / 495.000 lei for a period of 1 year
    Transfer to IBAN top-up for an amount not exceeding:
    • 100.000 лв. / €51.300 / £46.600 / 248.100 lei for a period of 1 month
    Credit/debit card top-up for an amount not exceeding:
    • 60.000 лв. / €30.700 / £28.000 / 148.700 lei for a period of 1 month
    Total of incoming or outgoing transfers within phyre network, IBAN transfers, card transactions for an amount not exceeding:
    • 100.000 лв. / €51.300 / £46.600 / 248.100 lei for a period of 1 month
    • 360.000 лв. / €184.600 / £168.000 / 893.000 lei for a period of 1 year
    Maximum account balance:
    • 360.000 лв. / €184.600 / £168.000 / 893.000 lei

Limits for card transactions (digitized, physical, virtual)
For all plans and levels of verification

  • Per transaction
  • 10.000 лв. / €5.000 / £5.000 / 24.000 lei
    single payment at POS
  • 10.000 лв. / €5.000 / £5.000 / 24.000 lei
    single top-up
  • 400 лв. / €200 / £200 / 700 lei
    single ATM withdraw
  • 24 hours limit
  • 20.000 лв. / €10.000 / £10.000 / 45.000 lei
    50 payments at POS for digitized or virtual cards; 20 payments at POS for physical card
  • 20.000 лв. / €10.000 / £10.000 / 45.000 lei
    50 top-ups
  • 1.000 лв. / €1.000 / £1.000 / 2.000 lei
    5 ATM withdraws
  • 7 days limit
  • 30.000 лв. / €15.000 / £15.000 / 70.000 lei
    120 payments at POS for all card types
  • 30.000 лв. / €15.000 / £15.000 / 70.000 lei
    100 top-ups
  • 4.000 лв. / €4.000 / £4.000 / 8.000 lei
    35 ATM withdraws
  • 30 days limit
  • 60.000 лв. / €30.000 / £30.000 / 140.000 lei
    300 payments at POS for all card types
  • 60.000 лв. / €30.000 / £30.000 / 140.000
    300 top-ups
  • 10.000 лв. / €10.000 / £10.000 / 30.000 lei
    90 ATM withdraws

PLUS plan
This plan is valid for users registered before 02.06.20

  • PLUS
  • Monthly fee
    1.95 лв. / €1 / £1 / 5 lei
  • Personal IBAN in BGN or EUR
    0 лв. / €0 / £0 / 0 lei
  • Payment at POS
    0 лв. / €0 / £0 / 0 lei
  • Transfers between phyre users
    0 лв. / €0 / £0 / 0 lei
  • Transfer to IBAN in BGN
    0.60 лв. per transfer
  • Transfer to IBAN in EUR
    €0.30 per transfer
  • Virtual card
    0 лв. / €0 / £0 / 0 lei
  • Next Virtual card issuance
    0.89 лв. / €0.45 / £0.45 / 2.20 lei
  • Transfer to IBAN top-up
    0 лв. / €0 / £0 / 0 lei
    Takes 1 business day. In rare cases, it may take more depending on the sending bank.
  • Card top-up
    Free up to 250 лв. / €120 / £110 / 600 lei per month, 0.59% thereafter.
    Funds are available instantly.
    Min 0.20 лв. / €0.10 / £0.10 / 0.50 lei, in rare cases, the fee may vary according to the card type.
  • Depositing cash at Cashterminal
    1%
    Funds are available instantly.
    Min. fee 0.20 лв. Available only for wallets in BGN currency.
  • Issuing and delivery of physical Mastercard
    9.90 лв. / €5 / £5 / 25 lei
    Delivery outside Bulgaria / Romania:
    15 лв. / €7.67 / £6.6 / 36 lei
  • ATM withdrawal
    BGN: 1.10 лв. per withdrawal in BGN, 1.50 лв. + 0.6% of the amount per withdrawal in other currency;
    EUR: €1 + 0.6% of the amount regardless currency of withdrawal;
    GBP: £1 per withdrawal in GBP, £0.80 + 0.6% of the amount for other currency;
    RON: 4 lei + 0.6% of the amount regardless currency of withdrawal
  • Currency exchange
    0.25% of the amount
  • Cash-out to your payment card when performed by us
    1.90 лв. / €1 / £1 / 5 lei
  • Monthly inactivity fee
    0 лв. / €0 / £0 / 0 lei
    When loaded funds but no transactions were made in the period of 6 months
  • Withdrawal to phyre card
    0.9% of the amount
    Like from gambling site, not applicable for refund and reversal transactions
The address and the other contact details of the Conciliation Commission for Payment Disputes with the Commission for Consumer Protection in Bulgaria (the competent authority for out-of-court settlement of national and cross-border disputes between payment service providers and payment service users, as well as between electronic money issuers and their clients in connection with the Law on Payment Services and Payment Systems and the secondary legislation on its implementation) have been changed as follows: Bulgaria, Sofia, postal code: 1000, 1, Vrabcha Street, 4th floor, tel. number: +359 2 9330565, fax: +359 2 9884818, website: www.kzp.bg and http://abanksb.bg/pkps, e-mail: adr.payment@kzp.bg.
phyre

phyre is a mobile app that turns your phone into a digital wallet. You can use it to easily shop anywhere with a POS and online. At the same time you can store all of your loyalty cards in the app and use them directly from your phone. phyre also allows you to send and receive money instantly and with no fees within the community. Pay and track spending to optimise your budget. Install phyre for iOS and Android and start for free.
Payment services through the application phyre are provided by Paynetics AD - an electronic money company, holding a license issued by the Bulgarian National Bank (BNB) with decision № 44 of 11.04.2016. phyre AD is a provider of the phyre application and a representative of Paynetics AD, entered in the BNB register under Art. 19 of Payment Services and Payment systems Act.

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phyre JSC, VAT BG203617076, address: Sofia, 76A James Bourchier Blvd, Hill Tower