TF Bank AT review
Updated September 28, 2026 · AffCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Publishers with card banking and lending traffic in a single market who can drive card activations.
- Commission terms
- 50 EUR per activated card
- Cookie window
- 30 days
- Networks
- FinanceAds
- Recurring commission
- No (Source, checked September 26, 2026)
- Payout per sale or signup
- €50
- Verticals
- Banking, Lending (Source, checked September 26, 2026)
- Legal entity
- Avarda Bank AB (Source, checked September 26, 2026)
- Headquarters
- Sweden (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- CPA
- Features
- Direct program, Referral program
- Region
- Single country
- Official website
- tfbank.at
Apps and profiles
- Get the app
- Google Play
Pros and cons
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.
- Publisher reach sits above the finance median of 5,000, so the programme is not confined to very small sites.
- A named legal entity, Avarda Bank AB, and support across email, phone and help centre give you someone to deal with when tracking needs attention.
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.
- Qonto pays a CPA per registration plus a KYB bonus, a different trigger on the same kind of business banking traffic.
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.
What the programme pays
The programme pays 50 EUR per activated card, and the model is cpa, so a conversion is a single payment for a single event rather than a share of anything downstream. The attribution window is 30 days, which sits level with the finance median of 30 and with the lower quartile of 60 of the way up the category. In other words, the window is ordinary for finance and will not decide the partnership on its own. The part that does decide it is the absence of recurring commission: once the card is activated, the payment is done, and every further month of account activity earns nothing. For planning, treat 50 EUR per activated card as the price of one activated card and build volume around activation rather than around retention, because retention is not paid. If your revenue model needs a share of customer value rather than a fee for an action, this structure will not supply it. Where you are choosing between similar finance offers, note that the same cpa structure appears across most of banking and lending programmes, so the differentiator is the amount and the trigger, not the model itself.
Who runs it
The programme is run by Avarda Bank AB, which is the entity named behind the TF Bank AT brand, and the operation is headquartered in Sweden. That is worth checking against the market you promote in, since the offer itself covers single country and the entity you deal with overtracking sits in a different country. Support is offered across email, phone and help centre, which is a broader set of contact routes than many single market finance programmes carry, and it means a publisher with a tracking dispute or an unpaid invoice has more than one way to reach someone. None of this changes the commercial shape of the deal, which stays a flat payment on an activated card, but it does affect how the relationship is handled once a campaign is live. For a publisher running bank card promotions at modest volume, an identifiable legal entity plus phone and email support makes the account manageable without specialist staff.
Where TF Bank AT is available
- Available
- Austria
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Is there recurring commission?+
There is no recurring commission. Payment is tied to the card activation, so a customer who keeps the account open for years is worth the same as a customer who closes it soon after. Publishers who plan around lifetime value should treat each approved card as a single payment.
Which countries can I promote this in?+
The programme is listed under single country, so it covers a single market rather than a wide region. single country programmes make up 52.5% of finance listings, which is a common shape in this category. Your traffic outside that market will not convert for this offer.
Who is behind the programme and who do I contact?+
The programme is run by Avarda Bank AB, headquartered in Sweden. Support runs on email, phone and help centre, so tracking questions and payment queries have several routes open to you. Worth setting up your account contacts before you start promoting.
Can I run a referral offer as well as a direct one?+
Both routes appear in direct and referral, so a direct tracked link and a referral mention are both part of the setup. Referral arrangements are common in this field: 62.2% of finance programmes list one, against 61.2% for direct programmes.
How does this compare with Qonto or Mintos?+
Qonto pays CPA per registration plus KYB bonus, and Mintos pays Hybrid lead and CPA commission, so both pay on a different event from this card activation payment. Admitad sits further away again at 5% per sale. If your audience submits applications slowly, a lead based structure may convert better than an activation based one.
What kind of site should promote this?+
The brand sits in banking and lending, so card banking and lending content is the natural fit. Page traffic has to matter too: the finance median audience is 5,000, with the lower quartile at 911.5. Small sites can run it, but a flat 50 EUR per activated card per activation needs volume to be worth the setup.
Sources
- tfbank.at checked September 26, 2026
Backs: Region, Verticals
“Kreditkarte fuer Oesterreich”
- tfbank.at/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Lilla Brogatan 6 Boras, SE-503 30 Schweden”
- tfbank.at/tf-bank-blog/freunde-werben-freunde checked September 26, 2026
Backs: Features, Recurring commission
“Geldpraemie von insgesamt 100 EUR”
Compiled from 3 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
TF Bank AT
Publishers with card banking and lending traffic in a single market who can drive card activations.