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3D Secure code | TBI Bank

3D Secure code


TBI Bank EAD presents to its clients its new product 3D secure code – the most advanced online shopping security system. The service is available to all owners of MasterCard cards issued by TBI Bank EAD, both Bulgarian and foreign nationals on the territory of the Republic of Bulgaria and abroad. In order to provide secure payments to our cardholders, TBI Bank, together with Mastercard, offers static and dynamic 3D password for online shopping with card. 

Register HERE your static 3D secure code for your card.

What is 3D dynamic password?

For each Internet transaction with your card, you should enter one- time password, received on your mobile number, declared in advance in the Bank in advance.

  • Cardholders of debit and credit cards, issued before……..2018 г. and already registered for the service can continue to use the existing static passwords. For managing a customer account in the system for secure payment, links will remain available on the TBI Bank's official website. In case that you want to use 3D Dynamic Password, you can verify your desire at any branch of the Bank.
  • In case the cardholders of debit and credit cards issued before ...... 2018 wish to use 3D Dynamic Password, they should provide an up-to-date mobile number at a branch of the Bank, on which want to receive the Dynamic Password for Internet transactions.
  • Cardholders of debit and credit cards issued, renewed or reissued after ........2018 may use the Dynamic 3D Password Service in case that they have provide the Bank with an up-to-date mobile number for further receiving of short text messages with one-time passwords.

With your dynamic 3D password, you can safetly make transactions in Internet through the following simple steps:

  • Enter your card details.
  • A new window appears which includes the Mastercard SecureCode logo, your personal message, and a dynamic 3D secret code entry field - static or dynamic.
  • After confirming the secret code, the Bank performs an automatic check and authorizes the payment.

Fast, easy and secure - this is the right solution to protect your card during the internet transaction.

3D password for internet transactions is used on merchant websites that are certified for the service and are marked with the following logo:       


  • Mastercard SecureCode – international card organizations which use 3D Secure protocol for authentication of the cardholder in execution of transactions with online merchants who participate in the program.
  • 3D Secure Code is a private, unique code of the cardholder which serves for confirmation of the transaction in payments made via the Internet. The code is a combination of digits, letters and signs.
  • Temporary code for registration is a code which the cardholder can print out at all ATMs serviced by the BORICA system in Bulgaria by activating the function Temporary code for registration. Citizens outside the territory of Bulgaria shall receive a temporary individual access code. The temporary access code allows the cardholder to register his card for the static 3D Secure Code service.
  • User account – the user account is created by the cardholder during the user registration on the electronic platform of TBI Bank where the cardholder can change his static 3D secure code, Hint question and answer and Personal Greeting.
  • Hint question and answer – the question and the answer to that question are devised by the cardholder themselves and are known only to them. They help to unblock a wrong or forgotten static 3D secure code.
  • Personal Greeting – it is chosen by the cardholder upon the service registration and appears always when the cardholder shops at online merchants participating in Mastercard SecureCode program.

Terms and Conditions

These terms and conditions constitute an integral part of the General terms and conditions for issuance of bank cards by TBI Bank EAD and complement them as regards the provision of the static 3D Secure Code service.Entering the correct static 3D Secure Code and/or answer to a Hint question verifies the cardholder’s identity.Each online transaction, executed by the cardholder and confirmed via the static 3D Secure Code, is deemed executed with the cardholder’s knowledge and consent.The cardholder alone bears the responsibility for any negligence on his part in protecting the secure code and/or answer to the Hint question.

Applicable documents

Guidance on using the service static 3d secure code
pdf format

Questions and answers
pdf format

Guidance on using the service Dynamic 3d secure code
pdf format


Call center
0700 17 571 / *8242

Working hours
Monday - Friday
| 08:00 - 20:00
Saturday - Sunday
| 10:00 - 18:00




Head office

1421 Sofia, Bulgaria,
52-54, Dimitar Hadjikotsev Str