What we bring to the table
Our core
At our core lies the mix of two businesses: consumer and merchant ecosystems. Or simply - a world where shopping and financing go hand in hand, keeping things breezy for everyone.
For businesses
We help businesses grow by offering them more: a full system for buying and paying, teamwork on marketing, and tools to understand data. These offerings empower our merchants to sell more, leading to 34 000 partner stores across core markets.
For customers
We deliver to our customers smooth ways to manage their finances and get their desired products and services using our phygital distribution model.
Romania
Bulgaria
Greece
Where you can find us
In short - in your phone, but not only. Our core markets are Bulgaria, Romania and Greece as we also have activities in Germany and Lithuania, serving a customer base of over 2.4 million individuals across these regions.
Click on the map and explore our local activities
Bringing home the bacon
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2017, 2019, 2020, 2023, 2024
#1 in Efficiency and Profitability in Bulgaria
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2021, 2022, 2023
Company of the Year – Financial Institution
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2023
Best Consumer Lending Solution in Romania
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2023
Best Partner for Merchants in Romania
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2023
Best Payments Project in Greece
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2023, 2024
The Most Favorite Financial Institution in Bulgaria
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2023
#1 Tech HR Innovation
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2023
Best Value Proposition for Your Savings in Romania
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2023
Best Performance in Business: Alternative Payments
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2023
Best in Digital Lending Implementation
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2023, 2024, 2025
Best Bank to Work for in Bulgaria
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2023
Best Digital Banking App in Bulgaria
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2024
#1 in Paperless Office
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2024
TOP 100 Most Loved Workplaces
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2024 Banking ranking
#1 in Assets, Consumer Lending & Deposits
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2023, 2024
#1 in Efficiency in Bulgaria
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2024
AI Innovation of the Year & Best Customer Experience
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2022 Banking ranking
#1 in Profit, Consumer Lending & Deposits
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2024, 2025
Tech Bank & Fintech of the Year
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2024
Best Performing Digital Project
tbi bank app & neon card -
2025
Most Loved Digital Banking Product tbi bank app & neon card
By providing faster and more accurate lending solutions, tbi can provide customers with the best experience while reducing risk. The bank has achieved significant market differentiation by offering the speed and convenience consumers require while more easily tailoring lending products and terms to meet the specific needs of customers.
– Provenir
August 2023
Provenir customer tbi bank named 2023 Constellation Research SuperNova Awards finalist
Founded in Bulgaria, tbi is one of those so-called challenger banks that rely on financial technology and flexible conditions, trying to break the business model of the big ones through innovation.
– BoulevardBulgaria.bg
July 2023
To be a challenger bank on the Bulgarian market: tbi for the free neon card and shopping limit service
Although interest rates on term deposits and savings accounts haven’t been a focus for banks in many years, they remain a preferred way to store savings – mainly due to their security. In this regard, tbi bank is the top choice among visitors to MoitePari.bg (the largest financial aggregator in Bulgaria), with 13% of respondents saying they have an active deposit with the bank.
– MoitePari.bg
July 2024
tbi bank is the favorite for term deposits
tbi bank is the first bank in Southeast Europe to implement SEPA Instant in the territory of the European Economic Area. SEPA Instant will complement the bank’s award-winning Payment Hub
– MoneyBuzzEurope.ro
January 2020
tbi bank becomes the first bank in SE Europe to launch SEPA Instant
Instant payments in Bulgaria are already available in the banking sector, starting with the leader in instant payments – tbi bank. This service will be available 24 hours a day, 7 days a week, 365 days a year.
– American Chamber of Commerce in Bulgaria
December 2021
tbi bank is the first to carry out instant payment in BGN
tbi bank has developed unique know-how in the field of phygital all-inclusive lending, as well as in-store and online point-of-purchase financing for the benefit of both – merchant partners and end-customers.
– Finextra.com
December 2021
BNPL-focused tbi bank enters Greek market
tbi bank launched its card, which is fee-free, offers instant transfers, interest on account balances and pay-as-you-go purchases — all services typical of fintech companies.
– Capital.bg
February 2023
tbi bank has launched its fee-free mobile application and it is provoking strong interest
Embedded finance highlights the importance of delivering financial services exactly where consumers are. For tbi bank, it’s not just a new trend but a strategy aimed at making users’ daily lives easier.
– Capital.gr
December 2024
Kostas Tovil: How technology and embedded finance are transforming the banking customer experience
tbi bank has grown to be one of the local institutions that are open to innovation and is focused on becoming one of the next-generation digital banks in the region.
– TheRecursive.com
March 2021
tbi bank expands digitally throughout Europe
Some believe that tbi bank is the most innovative Bulgarian bank, which really changes its processes so that they are truly oriented to the needs and desires of the client. It is as if only this bank understands the meaning of Bill Gate’s words – “We need banking, not banks”
– Banker.bg
April 2021
Banking is ahead of banks in importance
Having completed three years of operations in Greece, tbi bank is a standout example of the shift toward the digital future of banking, with Greece being one of the strategic markets for the growth of the leading challenger bank.
– Fortune.gr
April 2025
This way, the footprint of FinTech in Greece is strengthened
Brands such as tbi bank have found new ways of engaging with consumers by tapping into an under-developed PoS market. Their business model focuses on attracting customers with PoS finance using a digitally enabled approval process. An added benefit for the customers is the automatic access to a deposit account with highly attractive interest rates.
– Peter Ward, LinkedIn
October, 2023
Digital Challenger Banks in South-East Europe – The Next Innovation Frontier?