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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 is a Swedish direct lender, SE based since 1987, selling a no annual fee credit card with a credit line. It suits adults who will clear a hard credit check and pay the balance down, and less suited to anyone who needs a lower borrowing rate or a deposit protection scheme.

Key facts

Best for
A fee free credit card with a credit line and travel cover included.
Premium from
€0↗
Insurance types
Travel↗
Provider type
Insurer↗
Monthly payments
No↗
Excess from
€100↗
Cover limit
Trip cancellation protection up to 3,000 EUR; baggage up to 2,000 EUR↗
Claims channels
Phone↗
Age range
Travel insurance: no cover for persons older than 75 years; referred persons must be over 18↗
Legal entity
Avarda Bank AB (publ), reg. no. 556158-1041 (trading as TF Bank)↗
Headquarters
Sweden↗
Founded
1987↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No annual fee
Official website
tfbank.at

Loans

APR
25.09%↗
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↗
Features
Credit line

Credit cards

Annual fee
€0↗
Currency conversion fee
0%↗
Rewards type
Cashback↗
Rewards rate
Many cashback offers↗
Perks
Travel insurance
Card kind
Credit↗

Facts checked September 26, 2026, 9 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • Annual fee of €0, plus no opening fee and free statement delivery on the card
  • Credit card with a credit line of €1,000 and travel insurance in travel insurance
  • Currency conversion fee of 0% on card spending abroad
  • Direct lender based in Sweden, supervised by Finansinspektionen

Cons

  • The card APR of 25.09% is above the site median of 15.5%
  • Borrowing costs 25.09% because the rate type is variable
  • Applications run a hard credit check, so weaker files are turned away
TF Bank AT

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • Adults with a solid credit file who can pass a hard credit check
  • Anyone paying a balance in full each month to avoid interest
  • Travellers who want travel cover and no currency conversion fee on the card

Who should look elsewhere

  • Anyone carrying a balance month to month, where 25.09% bites
  • Borrowers who need a fixed rate, since the rate type is variable
  • People wanting a deposit protection scheme, which this lender does not offer

Safety of your money

TF Bank AT acts as an insurer, so cover sits with the provider rather than a broker. It works as a direct lender offering credit line and personal lending. The card itself is a credit card, and borrowing runs on a variable rate, so the cost of a carried balance can move. Early repayment carries no charge.

Who runs it

The legal entity is Avarda Bank AB (publ), which trades as TF Bank, and its headquarters are in Sweden. It has operated since 1987, making it a long established Nordic lender rather than a new entrant. Support runs on email, phone and help centre, so help is available by phone, email and a help centre.

How TF Bank AT compares

Where TF Bank AT is available

Available
Austria, Sweden
Licence in Sweden
Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026

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

Frequently asked questions

What does the TF Bank AT card cost to hold?+

The annual fee is €0, and there is no opening fee and no charge for statement delivery. The card carries a credit line of €1,000 and travel insurance is included, so most holding costs are nil for a card that is cleared each month.

What rate do I pay if I borrow on the card?+

The representative example shows an effective annual rate of 25.09% on a net loan of €1,000 over 12 months. The rate type is variable, so the cost of a carried balance can rise. Paying the full balance each month avoids the interest.

Who regulates TF Bank AT?+

TF Bank AT is supervised by Finansinspektionen, the Swedish Financial Supervisory Authority, and its headquarters are in Sweden. The legal entity behind the brand is Avarda Bank AB (publ), which trades as TF Bank. Its lender type is direct lender.

Can I clear a balance early without a charge?+

Yes. Free early repayment is available, so paying the credit line off sooner does not attract a penalty. This pairs with the no annual fee card, which means there is no holding cost to weigh against the speed of repayment.

What credit check does the application involve?+

The application uses a hard credit check, which is the stricter type and needs a stronger credit file. Applicants must be adults, and non-EU citizens need a valid residence permit. A hard check also leaves a trace on the file.

Is there a fee when I spend abroad?+

The currency conversion fee is 0%, so card spending in other currencies carries no conversion charge. That makes the card more useful on trips, and travel insurance is among the travel insurance that come with it.

Can I pay this card in monthly instalments?+

Monthly payments are not available on this account, so the balance is cleared in full. That is a contrast with some rivals, and it suits anyone who would rather not spread a purchase across the month.

How do I get hold of support?+

Support runs on email, phone and help centre, giving you phone, email and a help centre to work with. Insurance claims themselves run on phone, so a travel claim is handled by phone.

Sources

  • fi.se checked September 26, 2026

    Backs: Licences

  • tfbank.at checked September 26, 2026

    Backs: Excess from, Monthly payments, Premium from

    “0,- Eröffnungsgebühr; 0,- Jahresgebühr; 0,- Rechnungszustellung (TF Mastercard Gold, keine monatliche Gebühr)”

  • 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, Borås, SE-503 30, Schweden”

  • 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/mastercard-gold-reiseversicherung checked September 26, 2026

    Backs: Age range, Claims channels, Cover limit, Provider type, Insurance types

  • 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”

  • tfbank.at/uber-uns checked September 26, 2026

    Backs: Founded

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

TF Bank AT

TF Bank AT

A fee free credit card with a credit line and travel cover included.

9.0/10See alternatives