You can find out which is your pension fund by taking one of the steps below:

• Apply to the National Revenue Agency (NRA) for information on which Universal/Professional Pension Fund your contributions are paid into.

• Visit the NRA website (www.nap.bg), where you can obtain the information you need using your personal identification code (PIC).

• Visit the Supplementary Compulsory Pension Insurance Office of the NRA, where you will receive the information in exchange for an identity document. If you are administratively allocated, the respective pension company is obliged to inform you by notification letter immediately after the allocation. Those who have not exercised their right to choose a pension fund within the period provided for by law are administratively allocated.

The terms and conditions are determined by the pension fund you are in.

• The funds in the Universal Pension Fund UBB are earmarked for the payment of a supplementary old-age pension for life. To be entitled to the supplementary pension, you must have reached the age referred to in Article 68, paragraph 1. 1 of the Social Security Code, or up to one year before that, provided that the accumulated funds in the individual account allow the granting of a pension in an amount not less than the minimum amount of the retirement pension from the State Social Security. If you have a permanently reduced working capacity of more than 89.99%, you can receive a lump sum of up to 50% of the amount accumulated in the account.

• Insurance in the Professional Pension Fund UBB entitles you to a fixed-term professional pension for early retirement. If you have a permanent disability of more than 89.99%, you can receive a lump sum of up to 50% of the amount accumulated in the account.

• You can withdraw the funds accumulated in your individual account in the Voluntary Pension Fund UBB from your personal contributions at any time. You should note that tax may be deducted on the repayment of funds accumulated in your individual account in the VPF, depending on whether you have received tax relief on the contributions. You can only receive funds accumulated from employer contributions when you become entitled to a retirement under the Social Security Code or up to 5 years before.

• The insured in the Universal Pension Fund UBB, who have acquired the right to an additional pension from the Universal Pension Fund, shall exercise their right by submitting an Application to the Company for the granting of an additional life pension, respectively - a lump sum or deferred payment. The application shall be submitted to the office of the Company. At the time of submission, a date and time shall be arranged for the insured person to visit the Company's office to sign his/her pension contract or deferred payment contract.

• The insured persons in the Universal Pension Fund UBB who are entitled to receive a payment of funds which is not related to an acquired right to pension, as well as their heirs, shall submit to the Company an "Application-declaration for payment of funds from the Universal/Professional Pension Fund UBB".

• Those insured in the Professional Pension Fund UBB and their heirs shall submit to the company an 'Application-declaration for payment from the Universal/Professional Pension Fund UBB'.
• Those insured with personal contributions to the Voluntary Pension Fund UBB may withdraw part or the whole amount from their insurance account at any time. You can choose how to receive these funds: by bank transfer or by postal order to your address. To do this, you need to fill in the "Application-declaration for payment from the Voluntary Pension Fund UBB".

Where and how to apply for the payment?

• at the company's office - in person or by an authorized person, by notarized power of attorney;
• electronically by email to clients@ubb-pensions.bg using your personal electronic signature;
• by post to "Vitosha" 89B, UBB Millennium Center, floor 16, or by courier, with the signature on the application being notarized.

UBB Pensions reminds you that sending documents containing personal data by post or courier carries risks. As personal data administrator, UBB Pensions assumes the obligation to protect it from the moment it is received by the company.

Samples of the Application-declaration for payment of funds from pension funds can be found on the website of the respective pension fund, section "Forms".

For more information please contact us on our freephone 0800 11 464 or visit your nearest UBB Pensions' office in the country.

In the Digital Portal you can access the following information and services:

• accumulated amount in the pensions account;
• investment income;
• account movements;
• fees deducted;
• unit value;
• payments made from the UPF, PPF or VPF, and deferred payments from the Term Annuity Fund;
• lump sums paid from the VPF;
• special offers for UBB Pensions customers;
• update of personal data.

Important! The information about your funds (menu "My accounts") becomes available after they are actually credited to your account. 

How do you know if you already have an account in the Portal?

Contact the company's Customer Contact Centre.

You can also check your access via UBB Mobile, Home menu, Request New Products section, Insurance & Pensions button, My Pension Accounts link. If you have already created a pension account, you will be able to access your pension account information.

How to access the digital portal?

The login is through UBB Mobile - the mobile application of UBB Bank. Access via UBB Mobile is possible even if you do not use UBB products. All you have to do is download UBB Mobile and go through the fully digital activation process of this app.

Once logged in to UBB Mobile, the UBB Pensions' Digital Portal is accessed from the Home menu, Request New Product section, Insurance & Pensions button, My Pension Accounts link.

The platform is also accessible via the home page of the UBB Pensions website - button Digital Portal.

How to activate your account?

If you have requested access to the Digital Portal when you electronically change your participation/join UBB Pensions, your access via UBB Mobile is provided within 48 hours of your request.

Complete a Personal Data Update Request and submit it to an UBB branch; UBB Pension office; or email clients@ubb-pensions.bg with a qualified electronic signature.

Activation of your account in the digital portal is done within 5 working days. To confirm the activation you will receive an email with a link that is valid for 7 days. Click on it and follow the instructions.

If the 7 days expire, contact the Customer Contact Centre to receive a new link.

What does your username and password contain?

Your username is unique, containing upper and lower case Latin letters and numbers. The password consists of at least 8 characters, including at least one uppercase letter, a lowercase letter, and a number.

If you forget your username or password?

If you have forgotten your username, contact the Customer Contact Centre.

If you forget your password, click on the "Forgotten Password" link and enter your email and username. If the email and username match, you will receive an email with a link to enter a new password. The link is valid for 8 hours. The system "remembers" the last 12 passwords - they cannot be reused. If you do not activate your new password within 8 hours, you will need to go through the password change process again by clicking the "Forgotten Password" link. If you make 5 incorrect password attempts, your account is automatically locked. To unlock it, you must use the forgotten password functionality.

For assistance in activating or using the UBB Pensions Digital Portal, please contact the Customer Contact Centre toll free at. 0800 11 464.

• Through Online UBB Pension Insurance

You can activate the service in real time using the e-file request option located in the Useful Links section of Online UBB Pension. If you do not have a registration on the online application, find out how to activate this service by calling us on 0800 11 464.

• By email with a qualified electronic signature

In this case you must send an electronic application for access to personal data signed with your personal electronic signature to clients@ubb-pensions.bg. After submitting the application in the manner described, you may receive the file at the email address you have provided or in hard copy at the Company office you have indicated. 

• At the office of UBB Pension Insurance

If this is your preferred method, you need to apply for access to personal data at a company office where you will receive your paper file. The application must be submitted by the insured person in person or by an expressly authorised person, in which case a copy of the notarised power of attorney must be attached to the application.

The application can be downloaded from Bulgarian part of this website. The time limit for granting access to the electronic file is 7 working days from the date of receipt of the application by the company.

In case you are using Online UBB Pension Insurance and you have already requested access to your electronic file, you can periodically refer to all new documents that are entered into it. The update of the file shall be carried out by the end of the quarter following the quarter in which the new documents contained in the user's electronic file are registered.

If you have chosen to submit your Application by email or at a Company office, you will be given access to the documents contained therein at the time the Application is submitted. You will need to submit a new Application to view the updated version of your file, but no more than once per year.

A significant amount of paper is used each year for the individual account statements that insured persons receive by post. At UBB Pensions we want to use our planet's resources responsibly. You can request to receive your insurance account statement by email. The electronic account statement is sent to an e-mail address of your choice and is completely identical to the one you receive in the mail. The email statement is signed with an electronic signature and, like the paper statement, is an official document.

In order to receive the previous year's annual statement electronically, which will be sent by 31 May of the current year, you need to request it in the way you prefer:

• by visiting an UBB Pensions office and signing an application form;
• by submitting an application through an insurance intermediary;
• by downloading a template Personal Data Change Declaration, completing it and sending it to us signed with your personal electronic signature to the following email address: clients@ubb-pensions.bg.

If you have any questions about your insurance account statement or applying for an electronic statement, contact the UBB Pension Customer Contact Centre on freephone 0800 11 464 or email us at: clients@ubb-pensions.bg.

Further information on the status and movements of your individual account can be obtained by:

• at an UBB Pensions office;
• via the UBB Online Pension Insurance application. If you do not have a registration in this application, learn how to activate this service by calling us on 0800 11 464.

To help you more easily navigate the information your statement provides, we've developed a flowchart of a sample insurance statement. The flowchart explains what the data in each column of the statement means. See the flowchart (in Bulgarian) here.

Amounts with a negative sign represent reductions to your individual account as a result of adjustments made by the National Revenue Agency (NRA). The NRA makes adjustments when:

• Contributions for the same contribution period have been transferred twice by the NRA to the relevant pension fund;

• An employer corrects contributions for insured persons when the tax administration carries out inspections and finds discrepancies with the requirements of the social security legislation;

• Employer adjusts contributions for insured persons on its own initiative.

Corrections by the NRA are also possible for other reasons. For more information on adjustments to your individual account, you can contact the relevant NRA territorial directorate or us. We will assist you by forwarding your request for further information to the NRA and informing you of the reply received.

If you wish, you can change the following parameters of your supplementary voluntary pension insurance contract at any time:

• contribution amount;
• frequency of payment of the contribution;
• the persons named as heirs under the contract.

You can conclude an amendment to the supplementary voluntary pension insurance contract by:

• contacting your insurance intermediary;
• visit an UBB Pension Insurance office;
• request an appointment with one of our representatives by calling our Customer Contact Centre free of charge on 0800 11 464.

Changes will take effect once you have signed an addendum to your main contract.

You can find the "Amendment to the Supplementary Voluntary Pension Agreement" in the Forms section of the Voluntary Pension Fund page on this website.

For more information please contact us on our freephone 0800 11 464 or visit your nearest UBB Pensions office in the country.

• in person - at the offices of UBB Pensions;
• by calling toll-free 0800 11 464 at the Customer Contact Centre of UBB Pensions;
• online via the Contact Us form;
• by email - clients@ubb-pensions.bg;
• by post to: 89B, Vitosha Str., UBB Millennium Centre, floor 16;
• in writing via the Financial Supervision Commission at the address: 16, Budapeshta Str., 1000 Sofia.