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TF Bank DE review

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

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Our verdict

TF Bank DE bundles a no-fee gold card with a direct-lender instalment loan and a daily-access savings account paying 1.45% to 3.65%. It suits adults with a fixed residence in Germany and a regular income who want one provider for spending, borrowing and saving.

Key facts

Best for
One provider for a no-fee gold card, instalment credit and easy-access savings in Germany.
Annual fee
€0↗
APR
25.09%↗
Currency conversion fee
0%↗
Rewards type
Cashback↗
Rewards rate
Cashback at selected partners via the TF Bank Vorteilsclub, e.g. 5% on car rental and travel bookings, 4% at Booking.com (not a flat cardwide rate)↗
Perks
Travel insurance included (trip cancellation, travel accident, overseas health) once 50% of trip cost is paid by the card, Interest-free payment target of up to 51 days on purchases, Flexible instalment payments from 3% of the drawn limit, minimum 30 EUR, Apple Pay and Google Pay, Individual credit limit, reviewed over time, TF Bank Vorteilsclub discounts and cashback actions, Card and invoice shipping free of charge, card block and replacement card/PIN free of charge, Refer a friend: 100 EUR total bonus↗
Card kind
Credit↗
Legal entity
Avarda Bank AB (publ)↗
Headquarters
Sweden↗
Founded
1987↗
Support channels
Email, Phone, Help-centre↗
Pricing model
No annual fee
Features
Rewards
Official website
tfbank.de

Loans

Loan amount
up to €15,000↗
Term
up to 120 months↗
Arrangement fee
0 EUR (no processing fees)↗
Credit check
Soft prequal↗
Funding time
usually within one business day↗
Representative example
Net loan 5,300 EUR, bound rate 16.30% p.a., effective annual rate 17.58%, term 80 months, 80 instalments of 109.05 EUR, total 8,724.00 EUR↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
No↗
Eligibility
Must be of age, have a fixed residence in Germany and a regular income↗
Origination fee (%)
0%↗
Loan types
Personal, Debt-consolidation↗
Use cases
Home-improvement↗

Savings

Headline rate
1.45% to 3.65%↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Daily availability, no notice period, no fixed minimum term↗
Monthly fee
€0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 8 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • Instalment credit is paid out usually within one business day and covers personal and debt consolidation, with home improvement named as a use case.
  • Easy-access savings paying a headline rate of 1.45% to 3.65%, available daily with no notice period or fixed minimum term.
  • Cashback through the TF Bank Vorteilsclub, with travel insurance included when the card covers a share of the trip cost.
  • Support runs on email, phone and help centre, so help is available by phone, email and help centre.

Cons

  • Card purchases are charged at 25.09%, above the 16% site median for credit cards.
  • Free early repayment is not offered on the instalment credit.
  • Eligibility is narrow: you must be an adult with a fixed residence in Germany and a regular income.
TF Bank DE

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • Adults in Germany with a fixed residence and a regular income who want a card, loan and savings account in one place.
  • Spenders who pay in other currencies and want a card with a currency conversion fee of 0%.
  • People planning a home improvement project, the use case named for the instalment credit.

Who should look elsewhere

  • Varo Believe Secured Credit Card suits anyone after a secured product, while the TF Bank DE instalment credit starts from a soft prequal approach and a regular income requirement.
  • Starling Personal Account Debit Card, whose £0 suits current account users, while the TF Bank DE card runs on a credit basis at 25.09%.

Rates and card terms

On the savings side, the account pays a headline rate of 1.45% to 3.65%. Borrowing is set on a fixed rate basis, so instalments do not shift with the market. The card's purchase rate is 25.09%, and the instalment credit can run for up to 120.

How TF Bank DE compares

Where TF Bank DE is available

Available
Germany, 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

Is there an annual fee on the card or the savings account?+

The card carries an annual fee of €0, and the savings account adds a monthly fee of €0. Card delivery, blocking and replacement cards or PINs are free of charge, so the everyday cost sits with interest when you borrow.

What rate do I pay, and how does it compare?+

Card purchases are charged at 25.09%, higher than the 16% median across credit cards on the site. Instalment credit is arranged on a fixed rate basis, and the published representative example shows how much the total repayment rises over the full term.

How is my money protected?+

Deposits are covered by the EU deposit guarantee scheme, with protection of EU DGS up to EUR 100,000. The lender and card issuer is Avarda Bank AB (publ), a Swedish bank supervised in Sweden by Finansinspektionen, the Swedish Financial Supervisory Authority.

Who can apply for the instalment credit?+

You must be an adult with a fixed residence in Germany and a regular income. The application uses a soft prequal approach, and lending sits directly with the bank as a direct lender, so no broker sits in the middle.

How quickly is money paid out?+

Instalment credit is usually sent usually within one business day, and the bank lends its own money. Loans run for up to 120, cover personal and debt consolidation, and are aimed at home improvement projects. Borrowers consolidating existing debt are also within scope.

What do I get back from spending?+

The card pays cashback through the TF Bank Vorteilsclub, with better rates on things like car rental and travel bookings. The rate depends on the partner, so it is not a flat return across all spending and the value depends on where you shop.

What is the savings account like?+

It is an easy-access account paying a headline rate of 1.45% to 3.65%, with money available daily and no notice period or fixed minimum term. The monthly fee is €0, so the balance can move in and out as needed.

What does it cost to spend abroad?+

The currency conversion fee is 0%, so foreign purchases carry no conversion charge, and the annual fee is €0. Apple Pay and Google Pay are supported, so most day to day spending stays inside the no-fee part of the account.

Is the card a credit card or a debit card?+

The card works on a credit basis, so a balance you carry is repaid with interest rather than taken from your current funds. Instalments can start at a small share of the limit you draw, and the limit itself is reviewed over time.

Sources

  • fi.se checked September 26, 2026

    Backs: Deposit protection

  • tfbank.de/geldanlage/tagesgeldkonto checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Monthly fee

    “TF Bank Tagesgeldkonto: 3,65 % p.a. nominal for four months for new customers, then the standard rate of currently 1,45 % p.a.”

  • tfbank.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “Avarda Bank AB, Lilla Brogatan 6, Boras, SE-503 30, Schweden”

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

    Backs: Annual fee, APR, Card kind, Features, Currency conversion fee, Pricing model, Perks, Rewards type

    “Gebührenübersicht, TF Mastercard Gold: Jahresgebühr (dauerhaft) 0,- €”

  • tfbank.de/ratenkredit checked September 26, 2026

    Backs: Loan amount, Credit check, Eligibility, Free early repayment, Funding time, Lender type, Loan types, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Nettodarlehensbetrag 5.300 EUR, gebundener Sollzinssatz 16,30 % p.a., effektiver Jahreszins 17,58 %, Laufzeit 80 Monate, 80 Raten a 109,05 EUR, Gesamtbetrag 8.724,00 EUR”

  • tfbank.de/service checked September 26, 2026

    Backs: Support channels

  • tfbank.de/tf-bank-vorteilsclub checked September 26, 2026

    Backs: Rewards rate

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

    Backs: Founded

  • fi.se checked September 26, 2026

    Backs: Licences

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

TF Bank DE

TF Bank DE

One provider for a no-fee gold card, instalment credit and easy-access savings in Germany.

9.2/10See alternatives