Check your social security contributions in Bulgaria (2026)
How to check your social security contributions online by ЕГН at the НАП and НОИ. Free report step by step, no electronic signature, with a ПИК code.
Do you know whether your employer pays in all your social security contributions? Many people find out about gaps only when they retire, when it is already too late to put things right.
The check takes minutes and can save you years of trouble. In this article you will see how to check your social security contributions online by your personal number (ЕГН) in the portals of the National Revenue Agency (НАП) and the National Social Security Institute (НОИ), which contributions your employer owes and what to do if you find irregularities.
❓How do I check my social security contributions by ЕГН at the НАП?
Source: НАП / НОИ
Social security contributions are a wider concept than health contributions. They include contributions for pension, maternity, unemployment and work accidents. If you are only looking for your health insurance status, see our detailed guide to checking health insurance.
What social security contributions are
Every month contributions to four insurance funds are deducted from your salary. Your employer also pays their share. These contributions guarantee you a pension, sickness benefit, maternity benefit and unemployment benefit.
| Fund | Rate | Employer / Employee | What it covers |
|---|---|---|---|
| ДОО (3rd category, born after 1959) | 19.3% | 10.58% / 8.72% | Pension, sick leave, maternity, disability |
| ДОО (3rd category, born before 1960) | 24.3% | 13.32% / 10.98% | Pension, sick leave, maternity, disability |
| ДЗПО (universal pension fund) | 5% | 2.8% / 2.2% | Supplementary pension (only for those born after 31 December 1959) |
| Health insurance | 8% | 4.8% / 3.2% | Doctor’s appointments, hospital treatment, medicines |
| Unemployment | 1% | 0.6% / 0.4% | Benefit on losing your job |
BGN 4,130
Maximum insurable income for 2026
Source: State Social Insurance Budget Act (ЗБДОО) 2026
Information
Social Insurance Code (КСО)
Art. 6
Sets the income on which contributions are calculated
Official Bulgarian text
„Осигурителните вноски за лицата по чл. 4 се дължат върху получените, включително начислените и неизплатените, брутни месечни възнаграждения...“
Where to check: the НАП and НОИ portals
The two main portals for checking are the НАП and the НОИ. Each shows different information and you will need them for different purposes.
| Portal | What it shows | КЕП/ПИК needed | Free |
|---|---|---|---|
| НАП (portal.nra.bg) | Contributions paid by fund, insurable income, health insurance status | Yes, for the full report (health status: no ПИК) | Yes |
| НОИ (reps.nssi.bg) | Insurance record and income, including periods before 2005 | Yes (ПИК from the НОИ or КЕП) | Yes |
If you want to see whether your employer is paying contributions right now, use the НАП. If you are preparing documents for a pension or want to see your whole insurance record, use the НОИ. To check when you can retire, see the retirement table by ЕГН.
Checking at the НАП: step by step
For a full report of contributions (not only health status) you need a ПИК from the НАП or a КЕП (electronic signature). Here is how to get the report.
Report of insurance contributions at the НАП
Enter the НАП portal and choose the section “E-services with ПИК/КЕП” (Е-услуги с ПИК/КЕП)
Authenticate
Enter your ЕГН and ПИК, or use a КЕП / eID through Evrotrust
Find the contributions report
Go to “Insurance information” (Осигурителна информация) and choose “Report of insurance contributions” (Справка за осигурителни вноски)
Choose a period
Give a start and end date. Data is available from 2005 onwards
Review the result
The report shows the amounts paid by month for ДОО, ДЗПО, health and unemployment, as well as the insurable income
Ways to authenticate at the НАП
ПИК from the НАП (personal identification code)
Free and the easiest. You get it in person at a НАП office with just your ID card
КЕП (qualified electronic signature)
Paid (BGN 20-60 a year). Issued by B-Trust, InfoNotary and others
Evrotrust (mobile app)
A digital КЕП on your phone. Convenient if you already use it for banking
Ask Pravko and get an answer with citations from the law.
Checking at the НОИ: report of insurance record
The НОИ portal shows your accumulated insurance record and insurable income. This is especially useful for people approaching retirement age, or who want to check that all their years of work have been counted correctly.
Report of insurance record at the НОИ
Enter the НОИ electronic services portal
Log in with a ПИК from the НОИ or a КЕП
The ПИК from the НОИ is different from the ПИК from the НАП. It is obtained free of charge at a НОИ office with an ID card
Choose “Report of insurance record and income”
Shows the data submitted by all your employers, including periods before 2005 (Справка за осигурителен стаж и доход)
Review and compare
Check that all periods of work are shown. Compare with your employment record book or your electronic employment record
You can check your electronic employment record at the НОИ to see whether your insurance record is complete. More about this in the guide to the electronic employment record. For details of how the check by ЕГН and ПИК works at the НОИ, see our guide to the НОИ report.
How to read the report: what the numbers mean
The НАП report shows the amounts paid by month and by fund. Here is an example of how the contributions look at a gross salary of BGN 2,000 for an employee in the 3rd category, born after 1959.
Contributions at BGN 2,000 gross (3rd category, born after 1959)
ДОО (pension, sickness, maternity)
19.3% in total: employer BGN 211.60 (10.58%) + employee BGN 174.40 (8.72%)
BGN 386.00
ДЗПО (universal pension fund)
5% in total: employer BGN 56.00 (2.8%) + employee BGN 44.00 (2.2%)
BGN 100.00
Health insurance
8% in total: employer BGN 96.00 (4.8%) + employee BGN 64.00 (3.2%)
BGN 160.00
Unemployment
1% in total: employer BGN 12.00 (0.6%) + employee BGN 8.00 (0.4%)
BGN 20.00
Total
BGN 666.00
Of this total the employer pays BGN 375.60, and BGN 290.40 is deducted from the employee’s salary. In the НАП report you see the whole amount paid, not only your share.
Caution
Social Insurance Code (КСО)
Art. 7
The deadline by which your employer must pay in your contributions
Official Bulgarian text
„Осигурителните вноски за ДОО за лицата по чл. 4, ал. 1 и 2 се внасят от осигурителите до 25-о число на месеца, следващ месеца, през който е положен трудът.“
Your employer is not paying contributions: what to do
Important
Steps when an employer has not paid contributions
Compare your payslip with the data at the НАП
Print the report from portal.nra.bg. Compare the amounts with your payslip and bank statements
File a complaint with the НАП
Up to 30 days for a replyIf there is a discrepancy, file a written complaint with the НАП. You can do it online through portal.nra.bg or at an office
The General Labour Inspectorate Executive Agency (ИА “Главна инспекция по труда”) can carry out an inspection and fine the employer
Limitation period: 5 years
You have the right to claim unpaid contributions for the last 5 years. Do not wait for the limitation period to run out
Social Insurance Code (КСО)
Art. 4
The employer is obliged to insure their workers and employees
Official Bulgarian text
„Задължително осигурени за общо заболяване и майчинство, инвалидност поради общо заболяване, старост и смърт, трудова злополука и професионална болест и безработица са: 1. работниците и служителите...“
Under Art. 17 of the ДОПК you have the right to receive information about the obligations and contributions made in your name. The НАП is obliged to give you this information on request.
Tax and Social Insurance Procedure Code (ДОПК)
Art. 17
Your right to information about insurance contributions made in your name
Official Bulgarian text
„Задължените лица имат право на...“
Frequently asked questions
Can I check contributions without a ПИК?
Partly. Without a ПИК or КЕП you can only check your health insurance status at the НАП (whether your rights have been interrupted or not). For a full report of ДОО, ДЗПО and unemployment you need a ПИК or КЕП. Health status is checked free of charge with only your ЕГН and date of birth at portal.nra.bg.
How do I get a ПИК from the НАП?
Visit the nearest НАП office in person with a valid ID card. The ПИК is issued free of charge, on the spot, with no advance request. You get it in a sealed envelope straight away. With it you log in to portal.nra.bg and see all your insurance and tax reports. The ПИК from the НАП is different from the ПИК from the НОИ.
How long is the data kept?
At the НАП the data on insurance contributions is available from 2005 onwards. The НОИ (reps.nssi.bg) keeps data for your whole insurance record, including periods before 2005. If you need information about older periods, use the НОИ portal or ask for a certificate at a НОИ office.
How do I check my insurance record for a pension?
Log in at reps.nssi.bg with a ПИК from the НОИ or a КЕП and choose the report of insurance record and income. There you will see your total accumulated record by year and employer. For the age and insurance record conditions, see the retirement table by ЕГН. The НОИ report by ЕГН and ПИК is also useful.
Self-insured persons: how do they check?
Self-insured persons (СОЛ) check their contributions in the same way: with a ПИК or КЕП at portal.nra.bg. The minimum insurable income for СОЛ in 2026 is BGN 1,077 (different from the minimum wage (МРЗ) of BGN 1,213). The report shows whether your contributions have been paid correctly and on what income. If during unemployment you stop paying contributions, your health insurance rights may be interrupted after 3 unpaid months.
Health Insurance Act (ЗЗО)
Art. 40
The size of the health insurance contribution and how it is split between employer and employee
Official Bulgarian text
„Здравноосигурителната вноска е в размер 8 на сто...“
Ask Pravko and get an answer with citations from the law.
⚠️ Important
Pravko provides legal information, but it does not replace advice from a lawyer. For important legal matters, consult a licensed lawyer.
