TBI Bank

TBI Bank is a retail-focused lender headquartered in Bulgaria and supervised by the Bulgarian National Bank. It operates primarily in Bulgaria and Romania, with a regional footprint built around digital consumer lending and point-of-sale financing offered through merchants; it also provides buy-now-pay-later solutions and unsecured consumer loans, along with term deposits, savings accounts, cards, and basic payment services. Small-business lending is available in select segments, but the bank’s franchise is centered on consumer finance and merchant partnerships rather than full-service corporate banking. Deposits (including those placed via branches in other EU countries) are covered by the Bulgarian Deposit Insurance Fund up to the equivalent of EUR 100,000 per depositor, per bank, under EU rules. Access is largely digital through a mobile app and online banking, complemented by physical locations and a merchant network; onboarding, product availability, and currencies supported typically depend on country of residence and local regulations. Funding relies materially on retail time deposits sourced locally and via online marketplaces, which can make pricing sensitive to market rates; lending is concentrated in short- to medium-term unsecured exposures, implying elevated credit risk management needs. Fees, rates, and limits vary by product and channel, early withdrawal restrictions may apply to term deposits, and cross-border services can be subject to additional verification. The bank publishes regulatory and financial disclosures under EU and Bulgarian frameworks; prospective customers should review current tariffs, product terms, and eligibility conditions in their jurisdiction before applying.