If you are planning a trip to Bulgaria, one of the first practical questions you may have is about money. Bulgaria is a member of the European Union, but it does not use the euro. This often surprises visitors who assume most EU countries share the same currency.
Understanding what currency Bulgaria uses, how payments work, and what to expect when spending will help you avoid confusion and unnecessary exchange fees. While managing money in Bulgaria is generally straightforward, there are a few details worth knowing before you travel.
What Is the Official Currency of Bulgaria?
Bulgaria uses the Bulgarian lev as its official currency.
The currency code is BGN, and you will usually see prices shown with the abbreviation лв after the amount. In shops and restaurants, prices are often displayed clearly in lev.
One lev is divided into 100 stotinki, similar to how one pound is divided into 100 pence.
Banknotes are available in denominations such as 5, 10, 20, 50 and 100 lev. Coins are used for smaller amounts, including 1 and 2 lev coins and various stotinki values.
Is Bulgaria Part of the Eurozone?
Although Bulgaria is part of the European Union, it does not currently use the euro as its official currency.
However, the Bulgarian lev is closely linked to the euro through a fixed exchange rate. This means its value is stable against the euro, which helps reduce large currency fluctuations.
For travellers from the UK, this stability can make budgeting a little easier, as exchange rates do not tend to move dramatically in short periods.
Can You Use Euros in Bulgaria?
In most situations, no.
The lev is the only official currency accepted for everyday transactions. Shops, restaurants, taxis and attractions expect payment in lev.
In some tourist areas, particularly along the Black Sea coast or in ski resorts like Bansko, certain hotels or businesses may display prices in euros or accept euro payments. However, this is not standard practice and the exchange rate offered is often unfavourable.
It is always better to pay in lev.
Exchanging Money in Bulgaria
You have several options for obtaining Bulgarian lev.
You can exchange pounds for lev at a Travel Cash location before travelling, which is usually the easiest way, although lev is not a commonly purchased currency in the UK so it may need to be ordered in advance.
Some travellers prefer to exchange money after arrival or withdraw lev directly from an ATM. ATMs are widely available in cities, towns and tourist areas, although they are harder to find in more rural areas.
If you use an exchange office in Bulgaria, check the rate carefully before handing over money. Many exchange bureaux advertise attractive rates but apply high commission or less favourable terms in small print. Reputable offices are clear about their rates and fees.
Withdrawing cash from a bank ATM or purchasing some before going is usually the simplest option.
Paying by Card in Bulgaria
Card payments are widely accepted in Bulgaria, especially in cities such as Sofia, Plovdiv and Varna.
Most hotels, larger restaurants, supermarkets and shopping centres accept debit and credit cards. Contactless payments are common in urban areas.
However, card acceptance is not universal. Smaller cafés, local shops, market stalls and rural guesthouses may prefer cash.
If you are travelling outside major cities or visiting smaller villages, it is sensible to carry some lev with you.
As with any trip abroad, inform your bank before travelling to prevent your card being blocked for unusual activity.
Using Cash in Bulgaria
Cash remains important in Bulgaria, particularly outside city centres.
You will need cash for local markets, small family run restaurants, taxis in some areas and public transport in smaller towns.
Having smaller notes is helpful, as some businesses may struggle to provide change for large banknotes, particularly early in the day.
Tipping in Bulgaria
Tipping is customary in Bulgaria, though the amounts are moderate.
In restaurants, it is common to leave around 5 to 10 percent of the bill if service is good. In casual cafés, rounding up the total is usually acceptable.
Taxi drivers may be tipped by rounding up the fare. Hotel staff such as porters and housekeeping may also receive small tips.
Tips are normally given in cash, even if you pay the main bill by card.
Everyday Costs in Bulgaria
Bulgaria is often considered one of the more affordable destinations in Europe.
Eating out in local restaurants can be very reasonably priced compared to the UK. Public transport, domestic travel and museum entry fees are usually inexpensive.
However, prices in popular ski resorts and coastal tourist areas can be higher, particularly during peak season.
Imported goods, international brands and luxury hotels will cost more than local alternatives.
If you are travelling on a budget, eating at traditional restaurants and using public transport will help keep spending down.
Paying for Public Transport
Public transport in larger cities often allows card payments for tickets, particularly on modern metro systems.
In Sofia, for example, contactless card payments are available on much of the public transport network. In smaller towns, buses may require cash payment directly to the driver.
Taxis generally accept cash, and some also accept cards. It is wise to confirm before starting your journey if you plan to pay by card.
Safety and Practical Tips
Bulgaria is generally safe, but standard precautions apply.
If you’re using ATMs, stick to well lit areas or inside banks.
Avoid exchanging money with unofficial street dealers, even if they claim to offer better rates.
Check your change carefully in busy tourist areas.
Keep some cash separate from your main wallet in case of emergencies.
Is Bulgaria Expensive for UK Travellers?
For many UK visitors, Bulgaria offers good value compared to Western Europe.
Accommodation can range from budget guesthouses to luxury spa hotels, with prices that are often lower than similar options in France, Italy or Spain.
Food and drink are typically affordable, especially if you choose local dishes.
Ski holidays in Bulgaria are often cheaper than in the Alps, and beach holidays along the Black Sea coast can also be more budget friendly than Mediterranean resorts.
Your overall spending will depend on where you stay and how you travel, but Bulgaria remains one of the more accessible European destinations in terms of cost.
With a mix of card and cash, and a little awareness of exchange rates, managing money in Bulgaria is straightforward. Once you understand the basics, you can focus on enjoying the historic cities, mountain landscapes and Black Sea coastline without worrying about currency issues.
