Bulgaria is a member of the European Union but has not yet adopted the euro, using its own currency, the Bulgarian lev (BGN), which is pegged to the euro at a fixed rate through a currency board arrangement. Because of this fixed peg, the lev's value against the euro does not move, though it still fluctuates against non-euro currencies like the US dollar.
Published September 15, 2026 · 2 min read
Bulgaria uses the Bulgarian lev (BGN) as its official currency. Although Bulgaria is part of the EU, it has not yet adopted the euro. The lev is pegged to the euro at a fixed rate through a currency board arrangement. Because of this fixed peg, the lev's value against the euro does not move, though it still fluctuates against non-euro currencies like the US dollar.
Bulgaria became a full Schengen area member as internal land border checks were lifted in January 2025, after first joining for air and sea travel in 2024. This change simplifies travel to and within Bulgaria for visitors from other Schengen countries. However, Bulgaria still uses its own currency, so currency exchange remains necessary for most travelers. The Schengen membership affects border procedures but not the currency itself.
Visitors can exchange currency at airport kiosks, banks, or exchange offices in Bulgarian cities. Exchange rates and fees vary between providers, and airport locations often offer less favorable rates. Some travelers withdraw cash from ATMs using their home bank cards. The fixed peg to the euro means the lev-euro rate is stable, but other currencies still fluctuate.
A card funded from a crypto wallet, such as Nexus Pay, converts a stablecoin balance to Bulgarian leva at the point of payment or ATM withdrawal in Bulgaria. This eliminates the need to visit exchange offices or manage multiple currencies. The conversion happens automatically when you pay or withdraw cash. It is one option among several for managing currency in Bulgaria.
The right currency exchange method depends on your priorities: convenience, cost, or familiarity. Traditional exchange offices and ATMs are widely available and straightforward to use. The lev's fixed peg to the euro provides stability for euro-area travelers. A crypto-funded card offers an alternative for those already holding stablecoins and seeking direct conversion at the point of sale. Evaluate your own needs when planning your trip to Bulgaria.
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