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TF Bank AT review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

TF Bank AT suits adults who want a euro credit card with no annual, opening or statement fee and a 0% currency conversion charge, plus cashback and travel insurance. Borrowing is the trade-off: a variable APR of 25.09% and a hard credit check, well above 15.5% for cards on the site.

Key facts

Best for
A no annual fee euro credit card for adults who clear the balance each month and want cashback on everyday spend.
Annual fee
€0↗
APR
25.09%↗
Currency conversion fee
0%↗
Rewards type
Cashback↗
Rewards rate
Many cashback offers↗
Perks
Travel insurance
Card kind
Credit↗
Legal entity
Avarda Bank AB↗
Headquarters
Sweden↗
Founded
1987
Support channels
Email, Phone↗
Pricing model
No annual fee
Features
Rewards
Official website
tfbank.at

Loans

Loan amount
€1,000↗
Term
12 months↗
Arrangement fee
0 EUR annual fee, 0 EUR opening fee, 0 EUR statement delivery↗
Credit check
Hard↗
Funding time
1-3 days for the TF Sofortgeld transfer to the reference account↗
Representative example
1,000 EUR net loan, 12 months, nominal rate 22.60 % (variable), effective annual rate 25.09 %, 12 monthly instalments of 93.88 EUR, total 1,126.60 EUR (TF Mastercard Gold)↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Over 18 years old; non-EU citizens need a valid residence permit with a minimum validity of 24 months from application↗
Loan types
Credit-line, Personal↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • Annual fee of €0, with no opening fee and free statement delivery.
  • Currency conversion fee of 0%, ranking 1 of 186 brands on the site.
  • Cashback rewards with travel insurance included.
  • Free early repayment on instalment plans, so settling early costs nothing.

Cons

  • The variable APR of 25.09% sits well above 15.5% for cards on the site, and the rate can move either way.
  • Applications run a hard credit check, hard, so a full search stays on your file.
  • Support runs on email and phone only, with no live chat or help centre listed.
TF Bank AT

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults in Europe who want a euro credit card at €0 annual fee, where Wise also charges £0 and suits readers who spend their own money.
  • Borrowers who clear the balance each month and want cashback, where Varo Believe Secured Credit Card is the secured card comparison.
  • Everyday spenders who want a debit card instead, where Starling Personal Account Debit Card has an annual fee of £0 and no borrowing to weigh up.

Who should look elsewhere

  • Anyone planning to carry a balance, since a variable APR of 25.09% drives the cost; Varo Believe Secured Credit Card is worth checking instead.
  • Non-EU applicants without a residence permit with a minimum validity period from application.
  • Readers who want live chat, since support runs on email and phone only.

How TF Bank AT compares

Where TF Bank AT is available

Available
Austria, Sweden
Licence in Sweden
Finansinspektionen, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the card cost to hold?+

The annual fee is €0, and the arrangement fee line lists no opening fee and free statement delivery. The currency conversion fee is 0%, so spending in another currency adds nothing. Borrowing is where charges bite, and that is where the rate matters.

What rate applies to borrowed money?+

The rate type is variable, at an APR of 25.09%. The representative example repays a net loan in monthly instalments over a term of 12, with the effective annual rate shown as the variable rate. Because it is variable, the cost of carrying a balance can rise.

What is the risk of leaving a balance unpaid?+

Carrying a balance is where the cost sits, because the APR of 25.09% is variable and can move up. Retail loss percentages across the site sit at 70.15%, which is a reason to clear what is owed rather than let it roll.

Does applying put a search on my credit file?+

Applications run a hard credit check, hard, so a full search stays on your file and a rejected application can count against a later one. It is the standard route to a credit card of this kind, and a search cannot be withdrawn.

Who is eligible to apply?+

Applicants must be adults. Eligibility also states that non-EU citizens need a valid residence permit with a minimum validity period from the point of application. A permit with less remaining validity falls short, so check the expiry date before applying.

How quickly does borrowed money reach the account?+

Funding time is listed as a short waiting period for the transfer to the reference account, rather than instant credit. Plan for a gap between the transfer being sent and the balance landing, and do not rely on the money for an urgent payment.

What do I get for spending on the card?+

Rewards are cashback, and the rewards rate is described as Many cashback offers. Perks listed with the card include travel insurance. Cashback suits people who clear the balance each month, and it does not reduce the interest charged on money left outstanding.

Who runs the card and who regulates it?+

The brand lends directly, direct lender, and the legal entity behind it is Avarda Bank AB, based in Sweden. The regulator is Finansinspektionen. The operation has run since 1987, which matters when judging a lender's track record.

Can I pay off the instalment plan early?+

Yes, free early repayment is listed, so settling a plan before the end of its term costs nothing extra. With an annual fee of €0 and a currency conversion fee of 0%, short planned borrowing that is cleared early stays cheap.

Sources

  • fi.se checked September 26, 2026

    Backs: Licences

  • tfbank.at checked September 26, 2026

    Backs: Annual fee, Pricing model

    “TF Mastercard Gold - 0 EUR Jahresgebuehr”

  • tfbank.at/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Support channels

    “Avarda Bank AB, Lilla Brogatan 6, Boras, SE-503 30, Sweden (Austrian branch: PO Box 0018, 2340 Modling)”

  • tfbank.at/mastercard-gold checked September 26, 2026

    Backs: Loan amount, APR, Card kind, Credit check, Eligibility, Features, Currency conversion fee, Arrangement fee, Rate type, Representative example, Rewards rate, Rewards type, Term

    “Representative example under Sec. 5 VKrG: net loan amount 1,000 EUR for the TF Mastercard Gold instalment plan”

  • tfbank.at/ratenzahlung checked September 26, 2026

    Backs: Free early repayment

    “You are not bound to a fixed repayment period (such as 3, 6, 12 or 24 months)”

  • tfbank.at/tf-bank-blog/ratenzahlung checked September 26, 2026

    Backs: Loan types

    “Revolving credit cards such as our Mastercard Gold allow an interest-bearing mini loan via the credit limit for purchases and cash withdrawals”

  • tfbank.at/tf-bank-blog/uberweisungen-kreditkarte checked September 26, 2026

    Backs: Funding time

    “You receive the money on your reference account within a few days; this can take between 1-3 days”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

TF Bank AT

TF Bank AT

A no annual fee euro credit card for adults who clear the balance each month and want cashback on everyday spend.

9.0/10See alternatives