Our History

Our story began in 2002, when TBIF Financial Services (TBIF), a former Kardan Group Dutch subsidiary, established TBI Credit in Bulgaria. Until then, Kardan group operated in Bulgaria through TBIH, managing pension and insurance companies such as Doverie and Bulstrad.
We set up additional companies, such as TBI Invest, TBI Leasing, TBI Rent and TBI Asset Management, creating one of the largest non-banking networks in the country. This was the time when we first set foot on the Romanian market offering financial services and products to retail and business clients. 
We entered the banking sector in 2011, when TBIF acquired the Bulgarian branch of Nova Ljubljanska Banka (Slovenia). This led to the consolidation of all our businesses and the establishment of TBI Bank. Since then, we have been offering simple and convenient products and services in the field of consumer finance and business lending.
When 4finance Holding acquired TBIF in 2016, TBI Bank joined one of Europe’s leading online and mobile consumer lending groups. This helped us improve the speed and efficiency of our existing business and opened a new field of opportunities for digital growth.
TBI Bank has been consistently named among the most profitable banks in Bulgaria in the last four years (Capital K10). We serve more than 1.2 million registered customers through a trusted network of over 6.600 sales points. Our customer focus propels us to strengthen our position as a next generation digital lender aimed at improving our clients’ financial lives. Yes, we meet everyday challenges in this technological transformation, and it is by no means a cloudless journey. But our team of experienced and highly motivated experts makes this possible, and that’s why we focus on customers just as much as we nurture our employees. 


Head office

1421 Sofia, Bulgaria,
52-54, Dimitar Hadjikotsev Str


Call center
0700 17 571 / *8242

Working hours
Monday - Friday
| 08:00 - 20:00
Saturday - Sunday
| 10:00 - 18:00