Updated September 28, 2026 · AffCue Editorial Team
ING vs TF Bank AT
Facts checked September 26, 2026.
Facts checked September 26, 2026.
ING vs TF Bank AT: the differences
| Compare |  ING |  TF Bank AT |
|---|---|---|
| Commission terms | EUR 46.00 CPL per lead | 50 EUR per activated card |
| Cookie window | 60 daysHigher | 30 days |
| Payout per sale or signup | €46 | €50Higher |
| Verticals | Banking | Banking, LendingCovers more |
Same on both: Networks (FinanceAds), Recurring commission (No).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Cookie window is higher at ING: 60 days vs 30 days.
- Payout per sale or signup is higher at TF Bank AT: €50 vs €46.
- Pricing model: only ING offers CPL.
- Pricing model: only TF Bank AT offers CPA.
- Verticals: only TF Bank AT offers Lending.
Our verdict on each
ING
ING pays a set CPL for its Conto Arancio offer, so publishers who can deliver a steady flow of qualified banking leads in a single market can count on predictable income. The trade-off is the shape: no recurring commission, a single network, and a window of 60 days.
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.
How they score
- TF Bank AT edges ING on cost, 1 facts to 0.
- ING edges TF Bank AT on offer, 1 facts to 0.
What we checked
ING
- financeads.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
- ing.com: 1 fact, checked September 26, 2026
TF Bank AT
- tfbank.at: 7 facts, checked September 26, 2026
How they place
| Ranking | ING | TF Bank AT |
|---|---|---|
| Finance affiliate programs | 58 of 425 | 67 of 425 |
| Banking and fintech programs | 13 of 86 | 15 of 86 |
Every fact side by side
| Fact | ING | TF Bank AT |
|---|---|---|
| Pricing model | CPL | CPA |
| Features | Not confirmed | Direct, Referral |
| Region | Single country | Single country |
| Legal entity | ING Groep N.V. | Avarda Bank AB |
| Headquarters | Netherlands | Sweden |
| Founded | 1991 | Not confirmed |
| Support channels | Not confirmed | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ING | TF Bank AT | Median |
|---|---|---|---|
| Cookie window | 60 dayshighest quarter | 30 daysat the median | 30 days |
| Payout per sale or signup | €46below the median | €50at the median | €50 |
Median across 146 listed affiliate programs.
Pros and cons
ING
Pros
- A fixed rate of EUR 46.00 CPL per lead makes lead value easy to forecast.
- A 60 day window gives comparison style banking content room to convert.
- Banking focus (banking) slots straight into sites already writing about current accounts.
Cons
- Recurring commission is not offered, so an approved lead pays once and nothing follows.
- Only single country traffic earns, so an international audience converts at a lower rate.
- The 60 day window ranks 23 of 129 on cookie length.
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
ING
Who it suits
- Publishers with steady banking lead volume in a single market who can hit a known CPL.
- Sites that write current account comparisons, where a 60 day window is enough to convert.
- Publishers already inside financeAds who want a finance programme to add to an existing slate.
Who should look elsewhere
- Publishers who need several payout triggers: Mintos pays Hybrid lead and CPA commission rather than a flat CPL.
- Anyone chasing a share of sales: Admitad pays 5% per sale on a different basis.
- Publishers after a registration bonus: Qonto pays CPA per registration plus KYB bonus and adds a bonus for verified businesses.
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 | ING | TF Bank AT |
|---|---|---|
| Austria | No | Yes |
| Italy | Yes | No |
Questions about each
ING
What does the ING programme pay for a lead?+
ING pays EUR 46.00 CPL per lead on the current account offer, and cpl shows the model is CPL. Payment attaches to the lead rather than to any later account activity, so the rate is easy to plan around but capped at a single payout per lead.
How long is the cookie window on ING leads?+
The window runs 60 days from the click. On the site that is a middle of the pack figure: the median across listed programmes is 30 days and the upper quartile 60 days, so a longer comparison style article should still convert inside the ING window.
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.