Our History

Our story begins in 2002, when TBIF Financial Services (TBIF) a former Kardan Group Dutch subsidiary, established TBI Credit in Bulgaria. We set up additional companies, such as TBI Invest, TBI Leasing, TBI Rent and TBI Asset Management, creating one of the largest nonbanking networks in the country.

This was the time, when we step foot on the Romanian market offering financial services and products to retail and business clients. Until then, Kardan group operated in Bulgaria through TBIH, managing pension and insurance companies such as Doverie and Bulstrad.

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 birth of TBI Bank. Since then, we compete with the largest players, offering simple and convenient products and services in the field of consumer finance and business lending.

Through the acquisition of TBIF by 4finance Holding in 2016, TBI bank joined Europe’s largest online and mobile consumer lending group. This helped us improve the speed and efficiency of our existing business and opened a new field of opportunities for growth.

TBI Bank was recognized as the most profitable bank in Bulgaria in each of the last three years (Capital K10). Currently our registered customers exceed 1.4 million. We operate through a partners’ network of more than 5000 sales points and a total of 69 branches both in Bulgaria and Romania and a team of more than 1500 professionals, dedicated to improve and transform consumers’ financial lives.

Our ambition is to become a next-generation digital lender. We are constantly driven by the changes seen in the financial market and consumers’ behavior, determined to offer a wide range of online and mobile solutions. We are creating a community of highly experienced and talented experts, ready to serve customers across Europe, since the client is in the focus of all our actions.


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