TF Bank DE review

The monthly fee is €0 on the Mastercard Gold card, so there is no recurring charge for holding the account. Card spending abroad is the other side of the cost picture, with a currency conversion fee of 0% and cashback of 4% to 5% on the club card.

The conversion fee is 0% on a mastercard card, which is the figure that matters most if you mostly spend outside the euro area. Combined with a monthly fee of €0, the everyday cost of keeping and using the card stays low for a traveller.

Cashback runs at 4% to 5% through the bank's benefits club, which is the route to that rate. Travel is the category the card is built around, so trips and spending away from home are the natural fit for using it.

The account is issued by Avarda Bank AB (publ), a Swedish bank supervised by Finansinspektionen, the Swedish Financial Supervisory Authority, so the money sits with a supervised bank rather than an intermediary. The card is a mastercard card for everyday payments.

Support runs on email, phone and help centre, so the bank can be reached by phone or email, or you can work through the help centre alone. Live chat is not among the listed channels, which suits people who prefer a conversation to an app thread.

The card runs on mastercard, so it is accepted wherever that network is accepted and works with ordinary card terminals abroad. The balance belongs to the account held by Avarda Bank AB (publ), so it is the bank, not a separate card issuer, that stands behind the money.

The card suits everyday spending and trips abroad, with a monthly fee of €0, a currency conversion fee of 0% and cashback of 4% to 5%. It is aimed at people who want a simple Mastercard for euro spending from a Swedish bank.

All three also list a monthly fee: £0 for Monzo Flex, £0 for Wise and $0 for BMW Card von American Express, so what you pay to hold the account is not the difference. Here the currency conversion fee of 0% is the figure that separates TF Bank DE.