tbi bank completes the migration of card services from BGN to EUR with BPC, simplifying consumer e-commerce and cross-border payments
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 and merchants 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 at card 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, and easier 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 credit accounts 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 life cycle management 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 cards to 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 instalments 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-through credit 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.”