TF Bank DE review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
TF Bank's mastercard card costs nothing to hold, with an annual fee of €0 and a monthly fee of €0, and it suits people who want a euro card for spending abroad. Borrowing is the weak point at 25.09%, and the cashback runs through partner offers.
Key facts
- Best for
- A cost free euro credit card for travel spending and short term borrowing.
- Annual fee
- €0 (Source, checked September 26, 2026)
- APR
- 25.09% (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- 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) (Source, checked September 26, 2026)
- 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 (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Avarda Bank AB (publ) (Source, checked September 26, 2026)
- Headquarters
- Sweden (Source, checked September 26, 2026)
- Founded
- 1987 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Rewards
- Official website
- tfbank.de
Debit cards
- Monthly fee
- €0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Cashback rate
- 4% to 5% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- Avarda Bank AB (publ) (Source, checked September 26, 2026)
- Headquarters
- Sweden (Source, checked September 26, 2026)
- Founded
- 1987 (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Rewards
Apps and profiles
- Get the app
- Google Play
- Elsewhere
Pros and cons
Pros
- An annual fee of €0 and a monthly fee of €0, so holding the card costs nothing.
- A currency conversion charge of 0% on a mastercard card.
- Travel insurance covering trip cancellation, travel accident and overseas health once part of the trip cost is paid for by the card.
- Flexible instalments and an interest free payment target on purchases.
Cons
- Borrowing costs 25.09%, above the 20.85% most credit cards here charge.
- The cashback sits at 4% to 5% at selected Vorteilsclub partners rather than as a cardwide rate, so everyday spend earns the least.
- Support runs on email, phone and help centre only, with no chat channel.
Who it suits
- People who want a euro credit card with an annual fee of €0.
- Travellers who want a currency conversion charge of 0% on a mastercard card.
- Borrowers who want instalments and an interest free payment target on purchases.
Who should look elsewhere
- Chime Card (Secured Visa Credit Card) suits anyone who prefers a secured Visa structure to a credit card with an individual limit.
- Varo Believe Secured Credit Card also charges $0 a year, so the choice is secured card against credit card.
Fees and currency costs
The annual fee is €0 and the currency conversion charge is 0%, so holding the account and spending abroad add nothing. Borrowing is the cost that matters: 25.09% applies to drawn balances, a shade above 25.27%, the upper end of the range across credit cards here. Paying in full each cycle avoids it.
Who runs it
The card is issued by Avarda Bank AB (publ), a bank headquartered in Sweden, and the TF Bank brand dates back to 1987. It is supervised by Finansinspektionen, the Swedish Financial Supervisory Authority. Support runs on email, phone and help centre, so a phone line and email sit alongside a help centre.
How TF Bank DE compares
9.3 vs 9.4
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9.3 vs 8.5
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9.3 vs 8.8
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9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
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9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
9.3 vs 8.8- 9.3 vs 8.8
9.3 vs 8.5
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9.3 vs 8.5
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.0
9.3 vs 8.0
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 card cost to hold?+
The annual fee is €0 and the monthly fee is €0, so holding the card costs nothing either way. Card and invoice shipping, card blocking and replacement cards or PINs all come at no charge, so running costs only change if you borrow.
Does it cost extra to spend in another currency?+
The currency conversion charge is 0% on this mastercard card, so purchases made outside the euro area convert without a conversion mark up. That makes it a plain choice for travel and for anyone who buys in several currencies.
What rate applies if the balance is not cleared?+
The rate is 25.09% on drawn balances, above the 20.85% most credit cards here charge. Purchases carry an interest free payment target, so clearing the balance inside that window keeps this cost away, and instalments are an alternative.
How does the cashback work?+
Cashback runs through the TF Bank Vorteilsclub at selected partners, including car rental and travel bookings, rather than on everyday spend. The 4% to 5% rate applies at those partners, so the cashback is a partner offer rather than a cardwide one.
Who runs the card and who supervises it?+
The card is issued by Avarda Bank AB (publ), a bank headquartered in Sweden whose brand dates back to 1987. It is supervised by Finansinspektionen, the Swedish Financial Supervisory Authority. The credit limit is set individually and reviewed over time.
Is this a credit card or a debit card?+
It is a credit card, so you borrow up to your limit instead of spending money already in an account. Instalments can be set against a share of the drawn limit, and Apple Pay and Google Pay are supported.
What travel benefits come with it?+
Travel insurance covering trip cancellation, travel accident and overseas health is included once part of the trip cost is paid for by the card. With a currency conversion charge of 0%, trips booked in another currency avoid a conversion mark up too.
Sources
- 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, Monthly fee, Card network, Perks, Rewards type
“Gebührenübersicht, TF Mastercard Gold: Jahresgebühr (dauerhaft) 0,- €”
- tfbank.de/service checked September 26, 2026
Backs: Support channels
- tfbank.de/tf-bank-vorteilsclub checked September 26, 2026
Backs: Cashback rate, Rewards rate
- tfbank.de/uber-uns checked September 26, 2026
Backs: Founded
- fi.se checked September 26, 2026
Backs: Licences
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
TF Bank DE
A cost free euro credit card for travel spending and short term borrowing.