Updated September 28, 2026 · AffCue Editorial Team
Baufi24 vs TF Bank AT
Facts checked September 26, 2026.
Facts checked September 26, 2026.
Baufi24 vs TF Bank AT: the differences
| Compare |  Baufi24 |  TF Bank AT |
|---|---|---|
| Commission terms | EUR 50-2500 per mortgage | 50 EUR per activated card |
| Cookie window | 90 daysHigher | 30 days |
| Networks | Sovrn Commerce | FinanceAds |
| Payout per sale or signup | €50 to €2,500Higher | €50 |
| Verticals | Lending | Banking, LendingCovers more |
Same on both: Recurring commission (No).
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Key differences
- Cookie window is higher at Baufi24: 90 days vs 30 days.
- Payout per sale or signup is higher at Baufi24: €50 to €2,500 vs €50.
- Support channels: only TF Bank AT offers Email.
- Networks: only Baufi24 offers Sovrn Commerce.
- Networks: only TF Bank AT offers FinanceAds.
- Verticals: only TF Bank AT offers Banking.
Our verdict on each
Baufi24
Baufi24 runs a plain CPA program paying EUR 50-2500 per mortgage on a 90 cookie, and it fits publishers who can build a mortgage-finance niche rather than spread traffic across many verticals. Recurring commission is no, so a single funded loan pays a single time and the Sovrn Commerce network is the route in.
TF Bank AT
TF Bank AT is a focused, single-market offer for publishers with card banking or lending audiences, paying a flat CPA on the card activation. The 30 day window matches the common finance figure, so volume depends on how well your traffic fits single country.
Winner by area
- Baufi24 edges TF Bank AT on cost, 1 facts to 0.
- Baufi24 edges TF Bank AT on offer, 1 facts to 0.
Earnings on 10 sales of 100
Baufi24
€500 to €25,000
10 × €50 to €2,500
TF Bank AT
€500
10 × €50
Baufi24 comes out €24,500 ahead.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | Baufi24 | TF Bank AT |
|---|---|---|
| Finance affiliate programs | 57 of 425 | 67 of 425 |
| Lending programs | 6 of 55 | 7 of 55 |
Every fact side by side
| Fact | Baufi24 | TF Bank AT |
|---|---|---|
| Pricing model | CPA | CPA |
| Features | Not confirmed | Direct, Referral |
| Region | Single country | Single country |
| Legal entity | Baufi24 Baufinanzierung GmbH | Avarda Bank AB |
| Headquarters | Not confirmed | Sweden |
| Support channels | Phone, Help centre | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Baufi24 | TF Bank AT | Median |
|---|---|---|---|
| Cookie window | 90 dayshighest quarter | 30 daysat the median | 30 |
| Payout per sale or signup | €50 to €2,500highest quarter | €50at the median | €50 |
Median across 146 listed affiliate programs.
Pros and cons
Baufi24
Pros
- Commission is a clear per-deal EUR 50-2500 per mortgage, and the model is cpa only, so a publisher can forecast earnings without a revenue share to model.
- The 90 cookie sits at the lending median, 90, which suits the slow research cycle behind a mortgage decision.
- Support covers phone and help centre, so a stalled application can be chased by phone instead of sitting in a queue.
Cons
- Recurring commission is no, so there is no second payment on a mortgage that is already funded.
- Coverage is single country, so traffic from outside that market earns nothing from this offer.
- Support runs on phone and help centre only, which leaves tracking questions to a phone call and a help centre rather than an email thread.
TF Bank AT
Pros
- A clear, easy to price action: 50 EUR per activated card on an activated card, with the model listed as cpa.
- The 30 day window matches the finance median of 30, so the attribution window is not the limiting factor here.
- Both a direct and a referral route are listed in direct and referral, which lets you run paid placements and word of mouth style promotion side by side.
Cons
- There is no recurring commission, so a subscriber who stays for years pays the same as a sign up that lapses after the first month.
- single country coverage means the offer pays only in a single market, and 52.5% shows how common that limit is across the category.
- financeAds lists one network only, so there is no second route to the same offer if your approval terms change.
Who each suits
Baufi24
Who it suits
- Publishers with a concentrated domestic readership who can promote home finance end to end.
- Sites that prefer a per-deal CPA on a completed mortgage over a lead fee, and want to weigh it against Qonto's CPA per registration plus KYB bonus.
- Networks-minded publishers already working inside Sovrn Commerce, who would rather apply through an existing tracking relationship.
Who should look elsewhere
- Publishers who want to earn on repeat sales: recurring commission is no here, while Admitad pays 5% per sale.
- Publishers after a hybrid lead and CPA deal: Mintos pays Hybrid lead and CPA commission, where Baufi24 pays cpa on completed mortgages.
- Sites with mixed international traffic, since coverage is single country; a registration deal such as Qonto's CPA per registration plus KYB bonus may sit better with that mix.
TF Bank AT
Who it suits
- Publishers whose audience already applies for cards or short term credit in a single market.
- Media buyers who can pass a 30 day window to their optimisation and price a flat 50 EUR per activated card per activation.
- Sites with room for both a direct offer and a referral mention, since direct and referral covers both.
Who should look elsewhere
- Publishers who need lifetime value from a finance signup, since there is no recurring commission here.
- Anyone chasing a broad, multi country card offer, because single country narrows it to a single market.
- Publishers who want a revenue share or a percentage model, since the model is cpa and Admitad pays a percentage per sale instead.
Country by country
| Country | Baufi24 | TF Bank AT |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | No |
Questions about each
Baufi24
How much does Baufi24 pay per sale?+
Commission is a per-deal CPA of EUR 50-2500 per mortgage, and the payout model is cpa. The figure moves with the value of the mortgage, so a larger loan carries a larger payout. Publishers who build evergreen content around high-value home finance get the most from this structure.
How long is the cookie window?+
The cookie window is 90, which is generous for a mortgage offer where a reader may research for weeks before applying. That window sits in line with the lending median, 90, so a publisher competing on window length in this niche has little ground to make up.
TF Bank AT
What does TF Bank AT pay per activated card?+
The programme pays 50 EUR per activated card, and the commission model is cpa. That is a flat fee for a single event rather than a share of what the customer goes on to spend or repay. Budget around one payment per activated card, not per month of account life.
How long is the cookie window?+
The attribution window is 30 days, which is the same as the finance median of 30. Across the site the typical window runs from 30 to 60, so this sits in the ordinary middle range rather than at either extreme.