DSK Bank and BPC introduced euro-ready payments across all bank’s channels

DSK Bank, one of Bulgaria’s largest and longest-established banks, has completed a bank-wide migration of its cards and payments ecosystem from BGN to EUR, ensuring uninterrupted service for customers and merchants from the first moments of the euro transition. Delivered on BPC’s SmartVista platform, the programme enabled a seamless redenomination across accounts, card products, acceptance and settlement meeting national requirements while keeping day-to-day payments running without disruption.

The EUR conversion represented a strategic change for DSK’s payments infrastructure. The bank redenominated the full accounts portfolio linked to card products covering over 2.6 million debit accounts and over 300 000 credit accounts migrating balances, limits, transaction histories, standing authorisations and ledger records with strict controls for exchange-rate precision, rounding logic and reconciliation. Customers now enjoy simplified card payments anywhere, EUR currency ATM cash-withdrawals, transparency in prices, and easier travel and online purchases, while merchants of the bank now set EUR as the primary settlement currency with dual-visualisation functionality to display transaction amounts in both BGN and EUR during the transition period.

Vasil Dimitrov Program director “Euro adoption” at DSK Bank: “The transition to the euro is an important point for Bulgaria economy, for us and for our customers. We aimed this migration to be seamless, so access to Payments and access to Cash to be continued without interruption till very last moment of 31.12.2025 and from the first moments of the changeover. In same time ATM Cash-in in old BGN currency available for 1 month more after euro introduction helped a lot to our branch network, redirecting customers to deposit the old currency remaining amounts at CDM machines. Our long-standing partnership with BPC has been instrumental in achieving this outcome with confidence.”

Now, EUR currency has become the base currency for DSK domestic and international card transactions. The bank gained a simpler, more resilient operating model that accelerates rollout of new EUR-denominated offerings without compromising safety of operations or compliance across the full card lifecycle. With support from its trusted partner BPC, the bank updated scheme interfaces, fee and interchange processing, reporting frameworks and end-of-day cycles. All card products were redefined in EUR covering purchase and withdrawal limits, minimum payments, instalment plans and fee schedules while historical data remained accessible in BGN for audit and reference, and new postings were generated exclusively in EUR from the migration date onward.

Merchant POS updates were deployed across the network efficiently without service interruption, and ATM scenarios were redesigned to present EUR amounts clearly alongside BGN equivalents where mandated across withdrawals, balance enquiries, mini-statements and on-screen messages. To ensure uninterrupted cash availability, all ATMs were pre-loaded with BGN banknote cassettes and EUR banknote cassettes in advance, providing access to BGN cash till very last moment of 31.12.2025 and enabling immediate EUR dispensing after midnight.

Dmitry Tsekhmistrov, Account Manager, BPC, said: “A currency migration of this scale touches every layer of a bank’s payments ecosystem. We are proud to support DSK Bank through a flawless transition, delivered without disruption. BPC SmartVista modular architecture and proven payments capabilities help financial institutions of any size execute major change programmes while maintaining operational excellence and a secure, modern customer experience.”

DSK’s euro migration builds on a decade-long partnership with BPC. Since selecting SmartVista as a platform to modernise end-to-end its full payments stack and introduce enterprise-grade fraud management, the bank has expanded its platform footprint across merchant management, cloud-based e-commerce acquiring, and open-loop public transport payments through BPC’s O-CITY Automated Fare Collection solution creating a unified, future-ready foundation where the EUR transition could be executed end-to-end with stability, transparency and speed.