The official currency of Bulgaria is the Bulgarian Lev (BGN). Currency can be exchanged at banks, exchange offices, and some hotels. Major credit cards are widely accepted in tourist areas and large cities, but smaller towns and rural areas may have limited acceptance. ATMs are widely available in urban areas but may be scarce in rural areas. It is always recommended to have some cash on hand as a backup.
It’s also important to note that while some places may accept Euros, the exchange rate may not be as favorable as converting to Bulgarian Leva. The exchange rate between Bulgarian Lev and Euro is fixed at BGN 1.95583 for EUR 1. A slightly lower exchange rate is used at ATMs when you pay with a credit card and at banks where you can exchange currency. As a rule, the exchange rate is less favorable at tourist places. We recommend that you exchange money only at banks.
Various electronic payments are widely accepted as well. Still, they remember that your bank’s electronic payment may be specific to your country only (such as TWINT) and may not be accepted. Various e-payment methods, such as ePay (a local one), PayPal, Skrill, and others, are also accepted.