TF Bank AT review

The account carries a monthly fee of €0, so there is no recurring charge for keeping the card. That matches the median monthly fee across the brands we track. The currency conversion fee is 0% on top of the exchange rate.

No markup. The currency conversion fee is 0%, which means spending abroad goes through at the card network rate. That puts it at the top of our ranking on conversion cost among the brands we track.

The card runs on mastercard, so it is accepted wherever Mastercard is taken. It is positioned as a travel card, built for spending away from the currency you hold.

The banking side sits with Avarda Bank AB, while you apply through the TF Bank brand. The account carries licence 556158-1041 in Sweden, so it is a supervised banking product.

It is licensed by Finansinspektionen in Sweden, under licence 556158-1041. That is a banking licence, so the account and the balance sit inside a supervised institution.

Support runs on email and phone, so you can reach the team by email or by phone. Both channels are listed for the account rather than chat or a self service help centre.

Yes, travel is the feature the card is built around. It is a travel Mastercard, which points it at spending abroad and at the conversion rate you get there.

It is a Mastercard issued against a bank account rather than a prepaid or stored value card. The account belongs to Avarda Bank AB, so the balance is held in a bank account.