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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 suits German savers and card users who want low fees, plus borrowers funding home improvement. The deposit pays 1.45% to 3.65% with daily access, the credit card carries an annual fee of €0, and its currency conversion fee is 0%.

Key facts

Best for
A German all-rounder: a daily access deposit, a fee-light credit card and an instalment loan from the same provider.
Premium from
€0↗
Insurance types
Travel↗
Monthly payments
Yes↗
Excess from
€100↗
Cover limit
Travel cancellation cover up to EUR 3,000; luggage up to EUR 2,000↗
Age range
Not for persons older than 75 (travel insurance)↗
Legal entity
Avarda Bank AB↗
Headquarters
Sweden↗
Founded
1987↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
tfbank.de

Loans

APR
17.58%↗
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↗
Features
Credit line

Credit cards

Annual fee
€0↗
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↗

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

  • Access on the deposit is plain: Daily availability, no notice period, no fixed minimum term, and the account carries a monthly fee of €0.
  • The instalment loan carries 0 EUR (no processing fees), and funded amounts usually land usually within one business day.
  • Deposits sit under EU DGS up to EUR 100,000, and travel cover comes with the card as a listed perk.
  • Rewards are cashback, cashback, earned through the TF Bank Vorteilsclub at selected partners rather than on every purchase.

Cons

  • Free early repayment is listed as no, so clearing the instalment loan sooner can leave you with less left over.
  • The instalment loan runs at an APR of 17.58%, higher than the site median, 15.5%.
  • Travel cover is capped by age, Not for persons older than 75 (travel insurance).
TF Bank DE

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Savers in Germany who need daily access to their money and a low account fee.
  • Card users who want travel cover and instalments bundled with the card they already carry.
  • Borrowers who value a quick payout and no processing fees over the cheapest rate.

Who should look elsewhere

  • Not for savers outside the German deposit market, where a euro savings product sits better with Linxea at a premium of €25.
  • Not for borrowers shopping the Spanish loan market, where Oney Préstamos ES starts at €1,000.
  • Not for drivers after motor cover, which belongs with EuroAsia Insurance at UZS 60,000 in another currency.

The company behind it

The brand serves customers in Germany under Avarda Bank AB, whose home market is SE. The business dates back to 1987, so it is a long-established name rather than a recent arrival. Support runs on email, phone and help centre, with a help centre sitting alongside phone and email. Account, loan and card questions all reach the same channels, and the legal entity behind the brand name is the Swedish one.

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

What does the daily access deposit pay, and can I get my money out?+

The account pays 1.45% to 3.65%, and the terms read simply: Daily availability, no notice period, no fixed minimum term. It is an easy-access account, easy access, so the balance is not tied up for a fixed minimum term and cash can move out daily.

Is my deposit protected if the bank fails?+

Deposits sit under EU DGS up to EUR 100,000, so the balance held in the easy-access account is covered by the EU deposit guarantee scheme to that ceiling. The account itself carries a monthly fee of €0, and access terms stay as stated: Daily availability, no notice period, no fixed minimum term.

What does the credit card cost to hold and to spend abroad?+

The annual fee is €0 and the currency conversion fee is 0%, so foreign spending carries no extra charge. It is a credit card, credit, with an individual limit reviewed over time, and card and replacement shipments come free of charge.

What rewards does the card pay?+

The rewards type is cashback, cashback, and it runs through the TF Bank Vorteilsclub at selected partners, with stronger rates on car rental and travel bookings. The wider card package, including interest-free instalment payment options, sits in 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 and Flexible instalment payments from 3% of the drawn limit, minimum 30 EUR.

How much can I borrow and over what term?+

The instalment loan tops out at up to €15,000, with a term of up to 120 at a fixed rate. It covers personal lending and debt consolidation, personal and debt consolidation, and is aimed at home improvement, home improvement. Funded amounts usually arrive usually within one business day.

Who can apply, and what credit check runs?+

Applicants must be of age, hold a fixed residence in Germany and have a regular income. The check is a soft prequalification, soft prequal, so a first indication does not need a full search. Early repayment is listed as no, and the arrangement fee is 0 EUR (no processing fees).

What does the travel insurance cover, and who is left out?+

Travel is the only cover type offered, travel, with stated ceilings on cancellation and luggage and an excess starting at €100. The card adds cover for trips where part of the cost is paid by the card, listed under 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 and Flexible instalment payments from 3% of the drawn limit, minimum 30 EUR. Age also decides eligibility, since Not for persons older than 75 (travel insurance).

Who regulates the bank, and how do I get help?+

The bank is supervised in SE by Finansinspektionen, the Swedish Financial Supervisory Authority. Support runs on email, phone and help centre, so questions can go by email, phone or the help centre. The business was founded in 1987 and trades under the legal entity Avarda Bank AB.

Sources

  • fi.se checked September 26, 2026

    Backs: Deposit protection

  • tfbank.de checked September 26, 2026

    Backs: Features

  • 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, Support channels

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

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

    Backs: Annual fee, Card kind, Currency conversion fee, Pricing model, Monthly payments, Perks, Premium from, Rewards type

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

  • tfbank.de/ratenkredit checked September 26, 2026

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

    “TF Bank Ratenkredit: net loan amount 5,300 EUR, bound nominal interest rate 16.30% p.a., effective annual rate 17.58%”

  • tfbank.de/reiseversicherung checked September 26, 2026

    Backs: Age range, Cover limit, Excess from, Insurance types

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

    Backs: Rewards rate

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

    Backs: Founded

    “1987 TF Bank wird in Boraes, Schweden gegruendet”

  • fi.se checked September 26, 2026

    Backs: Licences

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

Not confirmed yet: Provider type.

TF Bank DE

TF Bank DE

A German all-rounder: a daily access deposit, a fee-light credit card and an instalment loan from the same provider.

9.1/10See alternatives