I pay 100€ for my accounting (included annual statement and they represent me for the VAT and tax declarations)
so 1200€ per year which is not expensive.
Also, they do not charge you for each question or call that you have.
I did not have any trouble with the bank and YES god damn YES, they rip you off. Same fees as the ones previously mentioned, 7-10€ to receive SEPA transfers, same to send them. Around 10€ monthly fee and also even if you have the EURO bank account (sub account as the main one is in bgn), they will sometimes take you the currency exchange fee ! (YES, to transfer from EUR account to EUR account, it will magically transit to your BGN account for 2% fees)
I cannot wait to see BG in the euro zone...
For banks, I suggest Unicredit (part of a big foreign group)
Bulgarian american credit bank (bacb) not convinced BUT they offer a 50€ flat fee per month (so if you need to receive and wiretransfer a lot, it is an option).
DSK bank : NO WAY, avoid it like the plague (old communist bank acquired by OTP but still communist style). They have an english direct line ..but they all speak Bulgarian and you will suffer to have a good communication in English. Expensive bank too.
Also, it is recommended to have a bank account in BG for the taxes and the VAT payments. The administration will like it. I heard that some foreigners with bank accounts abroad were under the radar of the administration and they do not hesitate to send you people checking your business/accounting.
I did not have any fee to open EUR bank accounts, not sure about USD accounts.
so 1200€ per year which is not expensive.
Also, they do not charge you for each question or call that you have.
I did not have any trouble with the bank and YES god damn YES, they rip you off. Same fees as the ones previously mentioned, 7-10€ to receive SEPA transfers, same to send them. Around 10€ monthly fee and also even if you have the EURO bank account (sub account as the main one is in bgn), they will sometimes take you the currency exchange fee ! (YES, to transfer from EUR account to EUR account, it will magically transit to your BGN account for 2% fees)
I cannot wait to see BG in the euro zone...
For banks, I suggest Unicredit (part of a big foreign group)
Bulgarian american credit bank (bacb) not convinced BUT they offer a 50€ flat fee per month (so if you need to receive and wiretransfer a lot, it is an option).
DSK bank : NO WAY, avoid it like the plague (old communist bank acquired by OTP but still communist style). They have an english direct line ..but they all speak Bulgarian and you will suffer to have a good communication in English. Expensive bank too.
Also, it is recommended to have a bank account in BG for the taxes and the VAT payments. The administration will like it. I heard that some foreigners with bank accounts abroad were under the radar of the administration and they do not hesitate to send you people checking your business/accounting.
I did not have any fee to open EUR bank accounts, not sure about USD accounts.
. Tax refund requires having a local Malta iban to get it. Plus to open a corporate account you really need to be resident in Malta. All Malta banks are closing the doors to non-residents so if your not a resident of Malta then forget it long term. Satabank was last hope among the international banks in Malta but has compliance issues. So does the other bank I don't want to mention that has issues with U.S also.
. They requested a local IBAN instead - I guess risk reduction. Not possible for the ruskies to get one as no one was opening accounts for them and in fact they had their company accounts closed locally. So it is not a general issue at all and will not affect 99% of Malta companies. 
