tbi bank vs OptimalFinancial

Everything you need from your bank, in one app. Open a free EUR account, pay with neon, shop in installments, save for your plans and manage your loans. Everyday essentials and bigger possibilities, all in the tbi bank app. Make managing your money easier Open a EUR account in the app with no opening or monthly maintenance fee. Check your balance and transactions whenever you want. Get your neon card with no issuance or maintenance fee, delivered to your address. Pay in stores and online, or add it to Apple Pay or Google Wallet. Withdraw cash twice a month from ATMs with no fee from tbi bank. ATM operators may charge their own fees. Add money to your neon account using a card from another bank. Pay bills and send money in just a few taps Open a term deposit from €1, choose a term, and add more money during the first 30 days. Check your balance and accrued interest in the app. Rates depend on the term and currency you choose. Eligible deposits are protected under the applicable deposit guarantee scheme. Put more options in your pocket If eligible, activate a Shopping Limit of up to €2,500 for purchases with neon. Switch between your own money and Shopping Limit in the app, and see both balances separately. Split an eligible neon card purchase into 3, 6 or 12 installments from your transaction history. Three-installment plans have no fee; other options may have fees. Changed your mind about paying all at once? You can also split an eligible purchase you already made with your own money. The amount returns to your account, and you repay it in installments. See the available options and any fees before confirming. Find more in the Shopping mall Explore online stores and offers across fashion, electronics, home and more, directly in the app. Shop with available installment options and earn Rewards on eligible purchases. Convert your Rewards into money in your account. Take care of your loan on the go See if you have a pre-approved offer or apply for a personal loan of up to €40,000 in the app. If approved, review the terms, choose from the available options and sign digitally. Track upcoming installments, pay in the app, and view or download your repayment schedule. Request full early repayment. If eligible, use Payment Holiday to postpone an installment for one month. Questions? We’re here. Chat with our team in the app, 24/7. Availability Note: The Greek version of the app does not yet offer all the services listed above. More services will be added soon. Note: Interest rates may vary by market and product and may change. Eligibility and terms apply. tbi bank provides loans in amounts ranging from €200 to €40,000, with repayment terms ranging from 5 to 120 months and an Annual Percentage Rate (APR) ranging from 13% to 50%. The time required for the loan to be disbursed depends on the credit assessment of the borrower and the selected method of disbursement. Example: For a loan disbursed as of 01 January 2026 in the amount of €10,000, with a repayment term of 60 months and without insurance, the customer will make 60 equal monthly instalments of €251.34 each, with the first instalment due on 05 February 2026. The total amount of the loan is €10,000. The total amount payable by the customer is €15,080.48. The Annual Percentage Rate (APR) is 18.91% and the Fixed Annual Interest Rate is 17.52%. TBI Bank EAD, with headquarters and address for correspondence: Sofia 1421, Lozenets district, 52 - 54 Dimitar Hadjikotsev Street, e-mail: office@tbibank.bg, website: www.tbibank.bg, registered in the Commercial Register at the Registry Agency at the Ministry of Justice with UIC 131134023, licensed as a Bank and respectively carrying out banking activity according to License No B 30 and Orders RD 22 - 1067 / 13.08.2003, No RD 22 - 1067 / 12.06.2007, RD 22 - 1560 / 20.07.2007, RD 22 - 2270 / 16.11.2009, RD 22 - 0451 / 28.02.2012 and RD 22 - 0451 / 22.10.2012 of the BNB.

Institutional wealth governance. Without the institution. Optimal Financial brings family-office-grade oversight to anyone serious about their wealth, whether you're managing $50K or $50M. See every account, holding, and entity in one governed view, and understand not just what you own, but how well it's structured. ONE VIEW OF EVERYTHING Bring 4,000+ banks and brokerages into a single dashboard: equities, cash, fixed income, alternatives, and digital assets, in any currency. No more spreadsheets, no more logging into ten portals. A GOVERNANCE SCORE, NOT JUST A BALANCE Most apps show you a number. Optimal Financial shows you a verdict. Your Governance Score rates your wealth across the dimensions that actually matter (concentration risk, investment policy, structure, and more) so you can see where you're exposed and what to fix. It's the discipline an institution applies to its capital, applied to yours. BUILT-IN COMPLIANCE OVERSIGHT Track FATCA and CRS exposure, beneficiary structures, and trust arrangements in the same place you track your portfolio. For families and advisors carrying cross-border reporting obligations, the governance and the compliance picture finally live together. AI-POWERED INSIGHTS Ask plain-language questions about your portfolio and get answers grounded in your own data: your concentration, your gaps, your structure. Insight, not generic tips. BUILT FOR THOSE WHO TAKE STEWARDSHIP SERIOUSLY - Serious individual investors who want institutional rigour - Family offices managing multiple households - Trust companies, IFAs, and advisors who need oversight, not just aggregation PRIVATE BY DESIGN Your data is hosted in a non-US jurisdiction on Canada-based infrastructure, with bank-level encryption. Governance shouldn't cost you your privacy. Your wealth. One view. Fully governed. SUBSCRIPTION TERMS Professional is offered as an auto-renewing monthly or annual subscription. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period. Manage or cancel in your Apple Account settings. Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://optimalfinancial.ai/privacy.html