Updated September 29, 2026 · AffCue Editorial Team
Kontist by Shine vs TF Bank AT
Facts checked September 26, 2026.
Facts checked September 26, 2026.
Where Kontist by Shine and TF Bank AT differ
| Compare |  Kontist by Shine |  TF Bank AT |
|---|---|---|
| Commission terms | EUR60 Duo, EUR50 Premium, EUR40 Free per sale | 50 EUR per activated card |
| Networks | Impact | FinanceAds |
| Payout per sale or signup | €60Higher | €50 |
| Verticals | Banking | Banking, LendingCovers more |
| Cookie window | Not confirmed | 30 days |
| Recurring commission | Not confirmed | 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
- Payout per sale or signup is higher at Kontist by Shine: €60 vs €50.
- Support channels: only Kontist by Shine offers Chat.
- Networks: only Kontist by Shine offers Impact.
- Networks: only TF Bank AT offers FinanceAds.
- Features: only TF Bank AT offers Referral.
- Verticals: only TF Bank AT offers Lending.
Our verdict on each
Kontist by Shine
Kontist by Shine suits German publishers with a banking audience who want a clear payout per sale, and the top tier pays €60 for the top plan. Payment is per acquisition only, and the program covers a single market, so earnings rest on focused traffic rather than reach.
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.
Licences and countries
| Country | Kontist by Shine | TF Bank AT |
|---|---|---|
| Region | Single country | Single country |
Earnings on 10 sales of 100
Kontist by Shine
€600
10 × €60
TF Bank AT
€500
10 × €50
Kontist by Shine comes out €100 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 | Kontist by Shine | TF Bank AT |
|---|---|---|
| Finance affiliate programs | 12 of 425 | 67 of 425 |
| Banking and fintech programs | 2 of 86 | 15 of 86 |
Every fact side by side
| Fact | Kontist by Shine | TF Bank AT |
|---|---|---|
| Pricing model | CPA | CPA |
| Features | Direct | Direct, ReferralCovers more |
| Region | Single country | Single country |
| Legal entity | Shine Germany GmbH | Avarda Bank AB |
| Headquarters | Germany | Sweden |
| Founded | 2016 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Kontist by Shine | TF Bank AT | Median |
|---|---|---|---|
| Cookie window | Not confirmed | 30 daysat the median | 30 days |
| Payout per sale or signup | €60above the median | €50at the median | €50 |
Median across 146 listed affiliate programs.
Pros and cons
Kontist by Shine
Pros
- Clear per sale rates across every plan in EUR60 Duo, EUR50 Premium, EUR40 Free per sale, so payouts can be forecast before a campaign runs.
- A direct program on Impact, so approval and reporting sit in one place.
- Support covers email, chat and phone, wider than email alone.
Cons
- A single market scope (single country) means only German traffic converts.
- The join route is direct (direct) on Impact, so no referral path is listed.
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
Kontist by Shine
Who it suits
- Publishers with a Germany focused banking audience who can send readers to a specific plan.
- Publishers already approved on Impact who want a flat amount per confirmed sale.
- New entrants, since EUR60 Duo, EUR50 Premium, EUR40 Free per sale sets a single amount per plan and asks for little else.
Who should look elsewhere
- Mintos, if a hybrid lead and CPA model on Hybrid lead and CPA commission is worth more than a fixed sale rate.
- Qonto, if CPA per registration plus KYB bonus suits you better because a verified business adds a bonus.
- Admitad, if a share per sale on 5% per sale fits traffic spread over many offers.
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 | Kontist by Shine | TF Bank AT |
|---|---|---|
| Austria | No | Yes |
Questions about each
Kontist by Shine
How much does Kontist pay for a sale?+
Kontist pays a set amount per sale: EUR60 Duo, EUR50 Premium, EUR40 Free per sale. The top of that schedule is €60, which is the figure for the Duo plan. Because the rate depends on which plan the reader ends up on, recommending the paid tier moves earnings more than extra clicks do.
What kind of commission does Kontist pay on?+
The program is a cpa deal, so a confirmed conversion triggers payment rather than a share of later value. Recurring commission is not part of that model, which keeps the sums simple but caps earnings at the confirmed sale.
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.