TF Bank AT review

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

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Our verdict

TF Bank AT puts a credit line on the TF Mastercard Gold card for borrowers who want one reusable facility instead of a large one-off loan. Costs are the catch: the published term is 12 and the overall score is 3.2.

Key facts

Best for
Borrowers wanting one small reusable credit line with no annual fee.
APR
25.09% (Source, checked September 26, 2026)
Loan amount
€1,000 (Source, checked September 26, 2026)
Term
12 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR annual fee, 0 EUR opening fee, 0 EUR statement delivery (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
1-3 days for the TF Sofortgeld transfer to the reference account (Source, checked September 26, 2026)
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) (Source, checked September 26, 2026)
Rate type
Variable (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Over 18 years old; non-EU citizens need a valid residence permit with a minimum validity of 24 months from application (Source, checked September 26, 2026)
Loan types
Credit-line, Personal (Source, checked September 26, 2026)
Legal entity
Avarda Bank AB (publ), org. no. 556158-1041 (trading as TF Bank) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
1987
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
tfbank.at

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • The annual fee, the opening fee and statement delivery are free, so interest is the only cost on a small balance.
  • Early repayment is free, which matters on a variable rate because an early clear stops interest running.
  • Support runs on email, phone and help centre, so a call or an email reaches the lender directly.
  • Eligibility rests on being an adult plus, for non-EU citizens, a residence permit with a minimum validity counted from the application.

Cons

  • 25.09% effective annual sits above the personal loan median, 12.25%, and the credit line median, 10.5%.
  • The rate is variable, so payments can rise on an open balance, and the application runs a hard credit search.
  • The published term of 12 is short next to the credit line median, 36.
TF Bank AT

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers who want a reusable credit line rather than a large one-off loan, and can clear it early without charge.
  • Applicants who are adults, hold a residence permit where one is needed, and can pass a hard credit search.
  • Card users who want phone and email help and a lender supervised by Finansinspektionen in Sweden.

Who should look elsewhere

  • Rate shoppers: Monzo Flex shows 10% to 23% and Cashspace shows PHP 12 to PHP 36, both below the 25.09% charged here.
  • Borrowers chasing the lowest headline rate: Cashspace ES lists 0%.
  • Applicants who need a longer repayment window, since the published term is 12.

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 rate does TF Bank charge?+

The TF Mastercard Gold account carries an effective annual rate of 25.09% on a variable basis, and the representative example borrows €1,000 over 12. That rate sits well above the personal loan median, 12.25%, and the credit line median, 10.5%, across the brands compared here.

Are there fees to open or keep the account?+

The annual fee, the opening fee and statement delivery are all free, and early repayment is free as well, so a short facility costs nothing to set up or close. Interest is the only charge, and it is set at the effective annual rate of 25.09%.

Who can apply?+

Applicants must be adults, and non-EU citizens need a valid residence permit with a minimum validity counted from the application. The application runs a hard credit search, so the file is judged on the full credit history rather than a soft pre-qualification check.

Is the lender regulated?+

TF Bank trades as Avarda Bank AB (publ) and is supervised by Finansinspektionen, the Swedish Financial Supervisory Authority, in Sweden. The brand was founded in 1987, and the contract sits with the lender itself rather than a broker.

How quickly does money arrive?+

The TF Sofortgeld transfer to the reference account takes a few days, so this is not a same-day product. Once funds land, the credit line lets you draw and repay within the same arrangement rather than taking a new loan each time.

How much can I borrow and for how long?+

The published example is €1,000 over 12, shorter than the personal loan median, 48. On loan amount the brand ranks 286 out of 685 brands compared, so it suits a contained balance rather than a major purchase.

How do I get help?+

Support runs on email, phone and help centre, so you can call, write by email or work through the help centre. Phone and email are the quickest routes for a question about a draw, a repayment or a rate change on the variable rate.

Can I repay early without a penalty?+

Free early repayment is confirmed, so settling the balance early carries no exit charge. That matters here because the rate is variable, and an early clear is the only way to stop interest accumulating on the balance.

Sources

  • fi.se checked September 26, 2026

    Backs: Licences

  • tfbank.at/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type

    “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, Credit check, Eligibility, Features, Arrangement fee, Rate type, Representative example, 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/service checked September 26, 2026

    Backs: Support channels

    “E-mail new customers: aktivierung@tfbank.at; e-mail existing customers: service@tfbank.at; imprint lists phone 0720 569050”

  • 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

Borrowers wanting one small reusable credit line with no annual fee.

9.1/10Visit

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