TBI BANK EAD SOFIA - SUCURSALA BUCURESTI

TBI BANK EAD Sofia – Sucursala Bucuresti is the Romanian branch of TBI Bank EAD, a Bulgarian credit institution operating locally under EU passporting rules. The branch focuses on retail banking and consumer finance, offering online and merchant-embedded installment financing (BNPL/point-of-sale loans), personal loans, and savings products such as term deposits and savings accounts in RON and EUR. It runs a predominantly digital model with applications handled through its website, mobile channels, and partner merchants, with limited physical servicing compared with full-service universal banks. Prudential supervision rests with the Bulgarian National Bank as home regulator, while certain branch activities are overseen in Romania by the National Bank of Romania. Deposits at the Romanian branch are covered by Bulgaria’s deposit guarantee scheme up to the equivalent of EUR 100,000 per depositor, per bank; coverage rules, eligible instruments, and exclusions follow Bulgarian law rather than the Romanian scheme. Rates on deposits and savings are promotional and can change, early termination typically reduces or cancels accrued interest, and holding deposits in foreign currency involves FX risk. Credit is granted subject to identity verification and affordability assessment, with costs disclosed as APR and contractual fees/penalties applying in case of late payment, which may affect credit history. Payment services and cards are available only for selected products, and the Romanian lineup may differ from the bank’s offering in Bulgaria. Customer support is available online, by phone, and at the Bucharest branch, with processing times varying by channel. Prospective clients should verify current terms, fees, and deposit-protection details on the bank’s official documents before applying.