Bulgaria is no longer the cash economy it once was. Bank offices and ATM's are everywhere and credit and debit cards are widely accepted.
CASH MACHINES IN SOFIA
When using cashpoints opt for the ones in a well lit areas, attached to a bank or a shopping centre to minimize the risk of skimming devices and robbery.
Check with your bank on the charges on withdrawing cash abroad. Sometimes such charges can be high.
PAYING WITH A CREDIT CARD IN SOFIA
Hotels, shops and supermarkets accept Visa and Master card as well as Maestro debit cards.
An AmEx or a Diners Club, on the other hand, is not likely to get you very far.
There are not additional charges for paying with a credit card and there is no minimum amount required. Of course, if you show up at the counter with a pack of chewing gum and a credit card dirty looks are guaranteed.
Always enquire if you can pay with a credit card before ordering in a restaurant and make sure you know your PIN as restaurants' card readers often malfunction and you might be sent to the nearest cash machine.