What is a cookie?

A cookie is a small file that is stored on your device when you visit a website and used for statistical purposes to improve the functionality of the website and more. Cookies are used by many websites for various purposes, such as keeping your preferences, activating online shopping, and site statistics.

How we use cookies?

We use cookies or other similar technologies to save your preferences for interaction with our websites, analyse trends, administer the website, track user activity on the site, help you sign up for our services, and collect demographic information about our users.


Cookies are small files with information, which the website sends to the web browser. The browser stores this information in a file on your device. Cookies allow visitors to navigate the website and (where applicable) allow us to customize the website and its content to the needs of the visitor and to improve the results of user actions. If the cookie function is not enabled, we cannot ensure the proper functioning of the website and its use as intended.


The cookies we use on our website do not store any data that can directly identify you.

Our cookie and tracking policy

We at TBI Bank EAD (hereinafter referred to as “the Bank”, “we”, “our” or “us”) respect and safeguard your right to lawfully processing and protect your personal data. Our Cookie and Tracking Policy aims to give you a clear explanation of how cookies and other tracking technologies are used on our websites, products, and services.

We use cookies on our pages as follows:

  • To protect our clients and prevent fraudulent activities.
  • In our online application forms. If the cookie storage feature is not active, the user will not be able to access the page and/or use our services.

In addition, we use cookies to learn how users access our website and track how they interact with it – it helps us improve the quality of the services we provide. For example, we use Google Analytics, a popular Google-provided web service that uses cookies to help us analyse how visitors use our site. More about using cookies can be found in Google’s Privacy Policy.

  • For monitoring and managing the data flow on our website.
  • We use cookies in our advertising campaigns to determine their effect. This helps us to improve the design and structure of the site and the products of the Bank.
Regarding the time of their expiration we use two types of cookies on our website:

Session cookies

These are temporary cookies that are only active while the user uses our website (or, more precisely, until the user leaves the page and closes the browser). Session cookies help our website save the steps the visitor has completed on the previous page, eliminating the need to re-enter information.


Permanent cookies

Permanent cookies remain on the user’s devices after visiting the website of the bank. These cookies enable them to be identified as unique users (keeping this information as a number, generated randomly). The period for which cookies will remain on the user’s device will depend on the types of cookies used.

We use three types of cookies on our website in regard of their functionality (including the session and permanent cookies):
  • Strictly necessary cookies, which include Cookies, which help make the website navigable by activating basic functions such as page navigation and access to secure website areas. Without these cookies, the website would not be able to work properly.
  • Targeting (advertising) cookies, which include Cookies, which allow us to analyse our site’s usage and improve the site’s functionality. These cookies also allow us to partner with companies to serve you ads relevant to your interests.
  • Functionality (statistical) cookies, which include Cookies, which allow websites to remember the user’s site preferences and choices they make on the site including username, region, and language.
  • Other uncategorized cookies are those that are being analyzed and have not yet been classified into any of the specified categories.
Consent to use cookies

Before starting to use the bank’s website, users must give their consent to the use of cookies. On all the Bank’s websites, there is a pop-up window that informs users about the use of cookies and asks for their consent to their use. Consent in the banner can be given in two ways by using two windows:

  • For this website and Bulgaria only – an initial window with two options for accepting all types of cookies and a button for individual settings;
  • For Romania and Greece – an initial window with three options for accepting all types of cookies, refusing all types of cookies (with strictly necessary ones excluded) and a button for individual settings.
  • in case the user activates the settings button, a second screen opens, which contains a description of the cookies by category. Opposite each category is a slider with on or off positions. The strictly necessary cookies button is in the “on” position. The rest of the buttons are by default in the “off” position.


The banner contains detailed information about the type of cookies used on the website with relevant options for users to select the type of cookies they agree to be stored on their devices. Only strictly necessary cookies are required for the normal functioning of the website and cannot be refused.


The banner explains the main characteristics of cookies – their key features, first or third party cookies, description of functionality.

Controlling and deleting cookies

We do not use cookies to collect personal information about users. However, part of the information we processed may be personal data.


If you want to restrict cookies or block them on any website, you can do so by changing your web browser settings. For example, you can block all cookies, accept only first-party cookies, or delete all cookies when you exit the browser. To learn more about this feature, use the Help function on your browser. For information on how to delete cookies from your mobile device’s browser, please see the device user’s guide. Please note that some of the services we provide on our website will not work or will not work properly if you block or delete cookies.


If your choice using our cookie banner differs from the settings you have made in the browser, the choice from the cookie banner will be valid when you visit this page and click “Manage Consent”.

For how long your consent given by choosing options in the cookie banner is valid?

Once you have given your consent to receive cookies on the TBI Bank website, it is valid until the cookies are deleted from your browser. When you visit our site after the deletion, the cookie banner will be active again.


As with most websites, we collect certain information automatically to analyse trends aggregately and to administer websites, products and services.


While we track the webpages that our users visit within a particular website, we do not collect personal information about your online actions over time and on third-party websites or online services. Also, at this time, we do not process or observe web browser settings that prohibit tracking or other mechanisms that give users the ability to exercise a choice of collection of personally identifiable information about your online activities over time and on third party websites. In addition, we are not knowingly authorizing third parties to collect personally identifiable information about your online activities over time or other websites when using the websites we provide.


We cooperate with third parties to display ads on our website and to manage our ads on other websites. Our external partners may use cookies or similar technologies to show you ads based on your searches and interests. If you want to cancel your ads based on your interests, click here or if you are in the European Union, click here. Please note that you will continue to receive generic ads (i.e. ads that are not individualized for your interests and behaviour).

What are the latest changes made by us?

We reserve the right to change this Cookie Policy and Tracking at any time by publishing the latest update date. If serious changes are made, we will focus on them and try to alert you directly whenever possible. In addition, we will keep previous versions of our Cookie Policy and archive tracking so that you can review them at any time. This is the third version of our Cookie Policy and Tracking Policy.

Consent Management

You can review your consents to the cookie policy here:

Manage consent