Money & Exchange

1. Къде има банкомат?

   ka-DE I-ma ban-ko-MAT?

   Where is there an ATM?

   Usage

   Used to find a nearby ATM when you need cash

   Grammar Note

   "Банкомат" is a borrowing. Bulgaria has used the euro (евро) since 2026; the lev (лев) has been phased out.

2. Каква е таксата за обмяна?

   KAK-va e TAK-sa-ta za ob-MYA-na?

   What is the exchange fee?

   Usage

   Used at exchange bureaus or banks to ask about the exchange fee

   Grammar Note

   "Такса" (fem.) + "-та" = "таксата." Exchange bureaus (обменно бюро) are common in Bulgarian cities.

3. Приемате ли карти?

   pri-E-ma-te li KAR-ti?

   Do you accept cards?

   Usage

   Used at shops or restaurants to check if credit cards are accepted

   Grammar Note

   "Карти" is the plural of "карта" (card). Small Bulgarian shops may be cash-only.

4. Колко струва това?

   KOL-ko STRU-va to-VA?

   How much does this cost?

   Usage

   The most basic phrase for asking the price of an item in a shop or market

   Grammar Note

   "Струва" is a third-person singular verb meaning "costs." Bargaining may be possible at Bulgarian bazaars (пазар).

5. Може ли сметката, моля

   MO-zhe li SMET-ka-ta, MOL-ya

   The bill, please

   Usage

   Used at a restaurant to ask for the bill

   Grammar Note

   "Може ли" is the set polite way to ask "may I have / could I have". "Сметка" (fem.) + "-та" = "сметката."

6. Оставете рестото

   os-ta-VE-te RES-to-to

   Keep the change

   Usage

   Used to leave the change as a tip. A 10% tip is common in Bulgarian restaurants

   Grammar Note

   "Ресто" + "-то" = "рестото." Tip is also called "бакшиш" (bak-SHEESH) in Bulgarian.

7. Можете ли да разменяте?

   mo-ZHE-te li da raz-me-NYA-te?

   Can you change this (into smaller notes)?

   Usage

   Used when you need to break a large banknote into smaller denominations

   Grammar Note

   "Разменяте" is 2nd person plural of "разменя" (to exchange). Bulgaria has used euro notes and coins since 2026.

8. Картата ми не работи

   KAR-ta-ta mi ne ra-BO-ti

   My card is not working

   Usage

   Used when a credit card is declined and you need to inform the cashier

   Grammar Note

   "Карта" (fem.) + "-та" = "картата." Clitic "ми" (my) follows after the definite noun in Bulgarian.

9. Искам разписка

   IS-kam raz-PIS-ka

   I want a receipt

   Usage

   Used after a purchase to request a receipt

   Grammar Note

   "Касова бележка" is another word for receipt. "Искам" is the basic "I want" verb in Bulgarian.

10. Колко е курсът за обмяна?

    KOL-ko e KUR-sat za ob-MYA-na?

    What is the exchange rate?

    Usage

    Used at exchange bureaus or banks to ask about the current exchange rate

    Grammar Note

    "Курс" (masc.) + "-ът" = "курсът." Bulgaria adopted the euro in January 2026; you only need to exchange from other currencies.

11. Депозит

    de-po-ZIT

    Deposit

    Usage

    A refundable deposit paid at check-in for hotels or rentals

12. Възстановяване на сума

    vaz-sta-no-VYA-va-ne na SU-ma

    Refund

    Usage

    Used when asking for money to be returned

13. Гаранционен депозит

    ga-ran-tsi-O-nen de-po-ZIT

    Security deposit

    Usage

    A more formal security deposit, used for rentals or leases

14. Предплащане

    pred-PLASH-ta-ne

    Prepayment

    Usage

    Used to indicate money paid in advance, e.g. at booking

15. Допълнителна такса

    do-pal-ni-TEL-na TAK-sa

    Extra charge

    Usage

    Used to indicate an additional charge added later

16. Такса за услуга

    TAK-sa za us-LU-ga

    Service fee

    Usage

    Used to indicate a fee charged for a service or procedure

17. В брой

    V broy

    Cash

    Usage

    States that you are paying in cash; a till sign reading "САМО В БРОЙ" means cash only

18. Банкова карта

    Ban-ko-va kar-ta

    Bank card

    Usage

    Says you want to pay by card; keep "банкова", since "карта" on its own also means a map

19. Разделена сметка

    Raz-de-le-na smet-ka

    Split bill

    Usage

    Show this to ask for the bill to be split between you

20. Обща сметка

    Obsh-ta smet-ka

    One bill together

    Usage

    Show this to ask for everything on a single bill

21. Твърде скъпо

    Tvar-de ska-po

    Too expensive

    Usage

    Show this to refuse a price or push for a lower one

22. Ресто

    Res-to

    Change (money back)

    Usage

    Show this when your change has not been handed back

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