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TBI bank completes the migration of card services from BGN to EUR with BPC

Tuesday, March 24, 2026 — 16:31:39 (UTC)

tbi bank completes the migration of card services from BGN to EUR with BPC, simplifying consumer e-commerce and cross-border payments.

Sofia, Bulgaria - March 2026 - tbi bank, the fastest-growing challenger bank in the SEE region, has achieved a major milestone of migration of its whole card payments ecosystem from BGN to EUR, powered by BPC’s technology delivered as a service.

The milestone simplifies card, e-commerce and cross-border payments for customers andmerchants while strengthening tbi bank’s mobile-first propositions, such as tbi bank app and neon card, an innovative solution that provides split instalments instantly at the moment of card authorisation.

In Bulgaria, tbi bank is recognised for its fee-free daily banking experience delivered through a super app and paired with a neon debit card, combining everyday payments with digital financing such as BNPL instalments split instantly atcard authorisation and displayed in-app in real time.

With the full migration of its card ecosystem from BGN to EUR now completed, customers benefit from smoother cross-border payments, clearer pricing and BNPL repayment terms, andeasier travel and e-commerce across the region, while the bank gains a simpler, more resilient operating model that accelerates rollout of new EUR-denominated propositions without compromising security or compliance across the full card lifecycle.

Gurkan Papila, SVP Tech, tbi bank commented: “The migration from BGN to EUR is a defining milestone for tbi bank and for our customers. It strengthens the consistency of our products across our operations and allows us to expand accessible finance to the cardholders. Thanks to modern technology we leverage as a service the seamless transition was achieved without disrupting day-to-day payments so customers and merchants keep moving seamlessly while we build the next wave of innovation.”

BGN-to-EUR migration was executed as a bank-wide programme. Leveraging BPC’s technology and team’s expertise, tbi bank converted the full accounts portfolio linked to card products including over 200 000 debit and 100 000 creditaccounts covering balances, limits, transaction histories, standing authorisations and ledger records. Product parameters, pricing structures, limits and customer communications were redefined in EUR, while historical data remained available for audit and reference. In parallel, fraud prevention tools were recalibrated for the new currency baseline from thresholds, behavioural profiles to anomaly detection logic to preserve risk-scoring continuity.

Few years back, tbi bank has partnered with BPC, opting for its cloud services comprised of card issuing, BNPL lifecyclemanagement and omnichannel fraud prevention to execute the launch of the bank’s neon card and have technology stack modernisation that additionally enabled Visa card issuing with tokenisation, provisioning digital and physical cardsto Apple Pay and Google Pay and enhanced fraud prevention with SCA through a 3DSecure ACS. Now, the bank executed end-to-end migration of its card ecosystem from BGN to EUR, ensuring continuity, compliance and a seamless customer experience throughout the changeover.

Vladimir Tsanev, Head of Mobile Lab, tbi bank, commented "tbi bank app allows you to shop with no limits today without exhausting your budget for tomorrow. You can split any purchase into installments with just a few taps on the screen. Thanks to our partners from BPC we are able to deliver to our clients this incredible service and the smoothest user experience in euro denomination as well."

tbi’s neon card is designed to convert any eligible card purchase into small instalments immediately at authorisation, before the presentment file arrives, which is now available in Euro currency. For tbi’s customers the process is transparent from the start.

The app displays the purchase, repayment schedule and due dates in real time, supported by push notifications and one-tap early repayment. For merchant partners of the bank, the model reduces reconciliation friction and supports fast settlement flows, while the bank benefits from automated delinquency logic, straight-throughcredit account closure at final repayment, and configurable interest and promotional rules that can be adjusted quickly without heavy development cycles.

Dmitry Tsekhmistrov, Key Account Manager, BPC, added: “We are proud to support tbi bank through BGN-to-EUR migration. The professionalism and coordination across business, technology, and operations ensured the changeover was completed smoothly, without disruption for the bank's customers and merchants. BPC always offers future-proven technology to its customers, and we are pleased to continue supporting tbi bank to innovate faster, expand financial inclusion, and deliver modern, secure payment experiences across every market it serves.”

About tbi bank

tbi bank is a mobile-first challenger bank in Southeast Europe and a regional leader in alternative payment solutions, building an ecosystem by combining financing and shopping to address customers’ needs. It focuses on helping merchants to grow their business as well as providing consumers with financial products and services that make their lives easier.

Currently operates in Bulgaria, Romania, and Greece. Through various digital channels and trusted partnerships withover 38,000 merchant stores, tbi has a customer base of 2,7 million clients and issued over 1 million loans in 2025. Its business model and customer-focused approach resulted in becoming one of the most profitable and efficient banks inthe region.

About BPC

BPC is a proven industry leader that is shaping the world of transactions with quick, safe and easy payment processing. With a focus on exceptional technology development and customer service, BPC helps financial institutions and businesses to deliver innovative and best-in-class proven solutions that fit with today’s consumer lifestyle when banking, shopping, or moving in both urban and rural areas. With more than 500 customers across 140 countries, BPC collaborates with all ecosystem players to deliver services for the digital world. Its core product SmartVista suite comprises cutting-edge banking, commerce, and mobility platforms that enable innovative solutions for digital banking, ATM and switching,

payments processing, card, and fraud management, financial inclusion, merchant portals, transport, and smart cities.

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Source: Company press release.

Categories: Partnership