Everything you need from your bank, in one app.
Open a free EUR account, pay with neon, shop in installments, save for your plans and manage your loans.
Everyday essentials and bigger possibilities, all in the tbi bank app.
Make managing your money easier
Open a EUR account in the app with no opening or monthly maintenance fee. Check your balance and transactions whenever you want.
Get your neon card with no issuance or maintenance fee, delivered to your address. Pay in stores and online, or add it to Apple Pay or Google Wallet.
Withdraw cash twice a month from ATMs with no fee from tbi bank. ATM operators may charge their own fees.
Add money to your neon account using a card from another bank.
Pay bills and send money in just a few taps
Open a term deposit from €1, choose a term, and add more money during the first 30 days. Check your balance and accrued interest in the app. Rates depend on the term and currency you choose. Eligible deposits are protected under the applicable deposit guarantee scheme.
Put more options in your pocket
If eligible, activate a Shopping Limit of up to €2,500 for purchases with neon. Switch between your own money and Shopping Limit in the app, and see both balances separately.
Split an eligible neon card purchase into 3, 6 or 12 installments from your transaction history. Three-installment plans have no fee; other options may have fees.
Changed your mind about paying all at once? You can also split an eligible purchase you already made with your own money. The amount returns to your account, and you repay it in installments. See the available options and any fees before confirming.
Find more in the Shopping mall
Explore online stores and offers across fashion, electronics, home and more, directly in the app.
Shop with available installment options and earn Rewards on eligible purchases. Convert your Rewards into money in your account.
Take care of your loan on the go
See if you have a pre-approved offer or apply for a personal loan of up to €40,000 in the app. If approved, review the terms, choose from the available options and sign digitally.
Track upcoming installments, pay in the app, and view or download your repayment schedule.
Request full early repayment. If eligible, use Payment Holiday to postpone an installment for one month.
Questions? We’re here.
Chat with our team in the app, 24/7.
Availability
Note: The Greek version of the app does not yet offer all the services listed above. More services will be added soon.
Note: Interest rates may vary by market and product and may change. Eligibility and terms apply.
tbi bank provides loans in amounts ranging from €200 to €40,000, with repayment terms ranging from 5 to 120 months and an Annual Percentage Rate (APR) ranging from 13% to 50%. The time required for the loan to be disbursed depends on the credit assessment of the borrower and the selected method of disbursement.
Example: For a loan disbursed as of 01 January 2026 in the amount of €10,000, with a repayment term of 60 months and without insurance, the customer will make 60 equal monthly instalments of €251.34 each, with the first instalment due on 05 February 2026. The total amount of the loan is €10,000. The total amount payable by the customer is €15,080.48. The Annual Percentage Rate (APR) is 18.91% and the Fixed Annual Interest Rate is 17.52%.
TBI Bank EAD, with headquarters and address for correspondence: Sofia 1421, Lozenets district, 52 - 54 Dimitar Hadjikotsev Street, e-mail: office@tbibank.bg, website: www.tbibank.bg, registered in the Commercial Register at the Registry Agency at the Ministry of Justice with UIC 131134023, licensed as a Bank and respectively carrying out banking activity according to License No B 30 and Orders RD 22 - 1067 / 13.08.2003, No RD 22 - 1067 / 12.06.2007, RD 22 - 1560 / 20.07.2007, RD 22 - 2270 / 16.11.2009, RD 22 - 0451 / 28.02.2012 and RD 22 - 0451 / 22.10.2012 of the BNB.
There is certainly a lot of room for improvement with the reliability of the microservices, like the chat for example. I started seeing a lot of messages for planned maintenance, but overall the experience has been great! The splitting money with credit option right over the debit card seems a bit bizarre UX decision to me. Probably the best mobile app from all Bulgarian banks! I feel like a lot of updates are coming fast, so cannot complain. Keep up the good work, thanks!
Developer Response
Hi Kaloyan. 👋 We are glad to hear, that you are impressed with your mobile app. It`s only for true connoisseurs, just like you. ☀️
Very disapointing
Teodor K
On paper tbi bank looked perfect for me, but as soon as I started the registration process I already started facing issues.But first the biggest issue - this morning I added some money to my account using my credit card and 12 hours later I still can’t see them in my account. The credit card payment was successful according to the card issuer.During the registration I entered the data from my ID card. When I was asked to confirm my address I selected the address from my ID card, however when I was about to sign the contract I saw that the address was completely different - a previous address of mine used many years ago when I was using tbi credit services. When went a step back the app got stuck in a spinning cycle. I killed it and with the second attempt got the right address.Chat is constantly crashing, ending the sessions and starting new ones.Since I switched to a new iPhone, now I am constantly receiving notifications about a new device accessing my account. Approximately 30 for a day. Very annoying.Hopefully the payment issue gets resolved, because this is a true dealbreaker. 🤞
Developer Response
Hi. We are sorry to hear, about the difficulties you have experienced. You can write to us by e-mail info@tbibank.bg, and we will assist you.
Could not verify.
Angel Genkov
The app wants me to verify and no matter how many times I upload my ID or make a photo of myself the app just counts down and tells me that its not successful this time. No mater how well lit the photos are, wearing or not wearing glasses… It just does not work! Also, the phone number that is given have absolute nothing regarding the mobile app… Pretty poor experience so far…
Developer Response
Hi Angel, we are very sorry for your experience with the app. This is not how it usually performs. You are most probably facing a technicalIssue. Can you please send us your details to ,,mobapp_tech@tbibank.bg'' so that we can assist you.
Best in Bulgaria
Bushidoxyz
Banks in Bulgaria are known for charging fees for almost everything, but TBI Bank is different. I’m genuinely satisfied with their service. Not having a monthly card fee is a huge advantage. That’s one of the main reasons why I, along with many people I know, choose TBI Bank. I hope they continue with this customer-friendly approach.
Developer Response
Thank you so much for your kind words! 😊 We’re truly happy to hear that you’re satisfied with our service and appreciate your trust in TBI Bank. 💙 We’ll keep doing our best to provide a customer-friendly experience! 🙌 ,,Tbi team."🧡️
Welcome to tbi bank. We’ve improved a few things to make your experience even smoother and better.
Version 2.6.213
The developer, TBI Bank EAD, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Financial Info
Usage Data
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Size
361 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
iPhone Requires iOS 16.0 or later.
Mac Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.