TF Bank DE review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
TF Bank DE suits savers who want their money back on demand and a fee-free account rather than the highest rate on the market. Deposits sit inside EU DGS up to EUR 100,000, the rate is variable, and the 1.45% to 3.65% range leaves ground to fixed-term savings on the site.
Key facts
- Best for
- A fee-free easy-access deposit for savers who may need their money back at short notice.
- Headline rate
- 1.45% to 3.65%↗
- Rate type
- Variable↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Daily availability, no notice period, no fixed minimum term↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Avarda Bank AB (publ)↗
- Headquarters
- Sweden↗
- Founded
- 1987↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- tfbank.de
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
Pros and cons
Pros
- There is no monthly charge to weigh against the interest, with a monthly fee of €0 on the account
- Access is simple for savers, because Daily availability, no notice period, no fixed minimum term keep the balance within reach at any time
- Deposits sit inside EU DGS up to EUR 100,000, and the bank is supervised in Sweden by Finansinspektionen
Cons
- The rate is variable, so the return can fall or rise as policy rates move
- Even the top of the 1.45% to 3.65% range stops below 4.15%, a level many savings accounts on the site clear
- Help runs on email, phone and help centre, with no branch or counter service listed for savers who prefer face-to-face support
Who it suits
- People who may need savings at short notice, since access is daily with no notice period and no fixed minimum term
- Savers who want a fee-free account, since the monthly fee is €0 and the model is no monthly fee
- Customers who prefer a supervised bank, with deposits inside EU DGS up to EUR 100,000 and oversight from Finansinspektionen in Sweden
Who should look elsewhere
- Plazo ES, whose quoted 24.19% sits far above the 1.45% to 3.65% range here
- AXI Card Tarjeta y Credito, quoted at 21.59% on a card and credit product rather than a savings deposit
- PayPal Colombia, where the quoted 3.3% beats the lower end of the 1.45% to 3.65% range
How TF Bank DE compares
9.2 vs 8.6
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9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.7- 9.2 vs 8.0
9.2 vs 9.0
9.2 vs 8.1
9.2 vs 8.7
9.2 vs 8.0
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 9.0
Where TF Bank DE is available
- Available
- Germany, Sweden
- Licence in Sweden
- Finansinspektionen (Swedish Financial Supervisory Authority), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the account cost to hold?+
The monthly fee is €0, so the account carries no monthly charge. That matches the no monthly fee setup, and it means the interest rate rather than fees decides what a balance earns.
How much interest does the account pay?+
The account pays a rate that runs 1.45% to 3.65% and is variable, so the figure can move with policy rates and the return is not locked in. Anyone comparing products should read the range rather than a single headline.
Is my money protected?+
Deposits are covered by EU DGS up to EUR 100,000. The account is run by Avarda Bank AB (publ), supervised in Sweden by Finansinspektionen, so the balance sits inside the deposit guarantee scheme.
Can I get my money out quickly?+
Yes. The access terms are Daily availability, no notice period, no fixed minimum term, and the account kind is easy access, so this is a deposit you can draw on at will rather than one locked away for a set period.
How does the rate compare with other savings accounts?+
The 1.45% to 3.65% range starts below the 3% seen across the site and stops short of 4.15%. The lower end of the range pays less than the typical figure here, so this is a convenience deposit rather than a rate-focused choice.
Who runs the account and how long has it been going?+
The account is provided by Avarda Bank AB (publ), which has been in business since 1987 and is based in Sweden. Its home supervisor is Finansinspektionen, the Swedish Financial Supervisory Authority.
How do I get help?+
Support runs on email, phone and help centre, so help arrives by email or phone and through the help centre. Nothing outside that list is offered, which suits savers happy to run the account remotely rather than visit a counter.
Sources
- fi.se checked September 26, 2026
Backs: Deposit protection, Licences
- tfbank.de/geldanlage/tagesgeldkonto checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Pricing model, Monthly fee, Rate type
“TF Bank Tagesgeldkonto: 3,65 % p.a. nominal for four months for new customers, then the standard rate of currently 1,45 % p.a.”
- tfbank.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity
“Avarda Bank AB, Lilla Brogatan 6, Boras, SE-503 30, Schweden”
- tfbank.de/service checked September 26, 2026
Backs: Support channels
- tfbank.de/uber-uns checked September 26, 2026
Backs: Founded
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit.
Related by the facts
TF Bank DE
A fee-free easy-access deposit for savers who may need their money back at short notice.