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About TBI Bank
*From the moment the complete documentation is sent
**Applies to all clients with seasonal activity, in industries like agriculture, Horeca (especially seaside) etc.

Our vision

Our vision

Our vision

TBI Bank is challenging the established view of banking. To date, we operated as a specialized offline and online lender for individuals and SMEs in Bulgaria and Romania. We are now focused on becoming a next-generation digital lender that will not only improve the financial lives of our current customers but also of those underserved by their existing banks and those who prefer a digital relationship with their bank.

We are expanding the borders of our operations, engaging customers across Europe through an online-based journey, developed by the best minds in finance and technology.

Our evolution will take place by mixing our banking experience with FinTech know-how and by incorporating the cutting edge innovations that we develop together with 4Finance Group, our parent company. The goal is to bring simplicity to the banking experience by implementing new customer-centric systems and online product lines, built intelligently, flexibly and with the future in mind.

Mobile solutions

Mobile solutions

Mobile solutions

Since mobile devices dominate our customers’ lives, we will give them the ability to monitor and control their finances through mobile solutions. We will alert our clients of financial opportunities, earning the right to be on their devices. And we won’t stop there. Through a strong partners’ network, TBI Bank will create a financial platform and a marketplace, offering commercial deals, products and services that our customers demand and deserve.

Our high performing talented team is creating a culture of continuous digital improvement in a transparent and regulated environment to benefit our customers. Because it is our belief, that everyone should be able to enjoy a healthy financial life.

TBI geography

Our Geography

We are expanding the borders of our operations, engaging customers across Europe through an online-based journey, developed by the best minds in finance and technology.

Our values

We put people first
People – be they our customers or our еmployees – are at the heart of everything we do. We strive to help the world’s financially underserved, meet their financial needs today and build stronger foundations for tomorrow. We seek to create supportive, rewarding and empowering workplaces that enable our еmployees to grow their talent and their capabilities. We love what we do!
We are entrepreneurial
We are entrepreneurs – from start-up to scale-up, from ideation to execution. We are driven by a passion for what we do. We never give up. We never stop! We never surrender! We identify whitespace and deliver unique solutions that give us a sustainable competitive advantage. We seek not to copy, but to innovate. We leverage the latest technology in all we do. We love challenge, we love solving tough problems, we respect our competition, whilst we love winning more.
We act responsibly
We seek to do the right thing across all aspects of our business. We’re a responsible lender, and a socially responsible business. 
We care about the environment. We give back to our communities. We treat customers fairly. We respect all laws. We promote diversity, we celebrate differences, we respect and trust each other. We take responsibility for our actions. We lead by example.
We strive for excellence
We encourage our people to be bold, curious and pioneering. We trial, we learn, we iterate. We deliver continuous improvement across our products and throughout our business. We are not afraid to fail, we don’t stigmatize failure; we learn, and we celebrate success. We don’t stop at good enough, we seek great. We challenge ourselves and our colleagues.
We keep things simple
We believe that financial services should be clear, simple and delivered on our customers’ terms. We seek simple and elegant solutions to complex problems. We strive for transparency in the way we operate inside and out. We are open, honest, straightforward with each other, with our stakeholders and with our customers. We live and love tech! We believe cutting edge technology can deliver simple and yet transformative experiences for our customers.

Our History

Now
TBI Bank is challenging the established view of banking. To date, we operated as a specialized offline and online lender for individuals and SMEs in Bulgaria and Romania. We are now focused on becoming a next-generation digital lender that will not only improve the financial lives of our current customers but also of those underserved by their existing banks and those who prefer a digital relationship with their bank.
Our history

2011

Insurance of the goods financed in the financial leasing system, at competitive prices, through TBI Leasing IFN SA, Subordinated Insurance Agent.

2011

Insurance of the goods financed in the financial leasing system, at competitive prices, through TBI Leasing IFN SA, Subordinated Insurance Agent.

2011

Insurance of the goods financed in the financial leasing system, at competitive prices, through TBI Leasing IFN SA, Subordinated Insurance Agent.

2011

Insurance of the goods financed in the financial leasing system, at competitive prices, through TBI Leasing IFN SA, Subordinated Insurance Agent.

Our awards

2022

The most profitable and efficient bank

for Unicorn Pig deposits
marketing campaign in 2020
Our awards
The reward
2022

The most profitable and efficient bank

for Unicorn Pig deposits
marketing campaign in 2020
Our awards
The reward
2022

The most profitable and efficient bank

for Unicorn Pig deposits
marketing campaign in 2020
Our awards
The reward
2022

The most profitable and efficient bank

for Unicorn Pig deposits
marketing campaign in 2020
Our awards
The reward
2022

The most profitable and efficient bank

for Unicorn Pig deposits
marketing campaign in 2020
Our awards
The reward
2022

The most profitable and efficient bank

for Unicorn Pig deposits
marketing campaign in 2020
Our awards
The reward

Meet our people

Our people love us and we are sure you will too. But don’t take our word for it, hear from them

Our History

Our history

Our History

In 2011 TBIF acquired the Bulgarian branch of Nova Ljubljanska Banka (Slovenia), created TBI Bank and in this way we entered the banking sector. In 2012 we started our banking operations in Romania and opened TBI Bank branch in Bucharest.

In 2016 TBIF was acquired by 4finance Holding – Europe’s largest online and mobile consumer lending group.

Currently, TBI Bank‘s branch in Romania, TBI Leasing, and TBI Credit together provide access to innovative, digital, integrated financial solutions with lending being the core of our business. Our ambition is to become a next-generation digital lender. Clients are in the focus of all our actions and we are continually changing driven by their behavior and the financial market. We are creating a community of highly experienced and talented experts, ready to serve customers across Europe.

Informare privind actualizarea dobanzilor
26 august 2026
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8 iulie 2026
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29 iunie 2026
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20 mai 2026
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