TF Bank offers the Mastercard Gold credit card with no annual fee. This card is accessible worldwide and is designed for convenience. It’s easier to acquire than other credit cards, making it a flexible option for many users.
Card management is streamlined using TF Bank’s mobile app, which is available in English.
The initial sign-up process is in German, but the card remains a practical choice for global users seeking straightforward access and control.
Who is TF Bank?
TF Bank, founded in 1987, focuses on digital consumer banking services.
In 2012, it became a licensed Swedish bank, providing financial security under Swedish deposit insurance, backed by a strong “AAA” rating. TF Bank offers credit cards and savings accounts to customers worldwide.
TF Bank Mastercard Gold Insurance Package
The TF Bank Mastercard Gold provides a robust insurance package that is available globally. This package activates when at least 50% of travel expenses are paid using the card. Coverage includes:
- Travel health insurance for medical care during trips.
- Travel cancellation insurance to reimburse non-refundable costs in case of trip cancellation.
- Trip interruption insurance covers costs incurred if a trip is cut short.
- Luggage insurance for lost or damaged baggage.
- Flight and baggage delay insurance to cover expenses due to travel delays.
- Personal liability insurance abroad for damages or injuries caused to others while traveling.
- Accident insurance for compensation in case of serious injuries or death during travel.
The Mastercard Gold – TF Bank
TF Bank Mastercard Gold comes without any opening or annual fees, making it an accessible option worldwide.
However, the interest rates can be higher, so timely payments are important to avoid any additional charges.
Key features:
- No opening fee
- No annual fee
- Free invoice delivery
- Free use for international transactions
- No foreign currency fees
The TF Bank Mastercard Gold is a revolving credit card available worldwide with no annual fee. Customers can choose to repay their balance in full or in installments.
The minimum repayment is 3% of the drawn amount, with at least €30 required per month. The credit limit is determined based on creditworthiness.
Purchases have a 51-day interest-free period, after which the nominal interest rate is 19.90%. From day one, interest is charged at 22.96% per annum for cash withdrawals.
- The card has no fees for use abroad, making it convenient for international transactions.
- The nominal interest rate for purchases, when repaid after the 51-day period, is 19.39% per annum.
- For cash withdrawals, the rate remains 22.96% per annum.
TF Bank Mastercard Gold supports Apple Pay and Google Pay, and customers can manage expenses and limits through the new TF Bank mobile app.
New customers must fill out and submit an online form to apply for the TF Bank Mastercard Gold. After processing, the card and activation form are sent by post.
Customers must sign and return this form and a copy of their ID for legitimation. The ID verification process is handled via the ID copies, without POSTIDENT or video procedures.
Simple Steps to Apply for TF Bank Mastercard Gold
To apply for the TF Bank Mastercard Gold, follow these straightforward steps:
- Submit your application for the TF Bank Mastercard Gold.
- Confirm identity and digitally sign using the IDnow app.
- Wait for your Mastercard and PIN to arrive by postal mail.
- Activate the card through the email and SMS sent to you.
These steps ensure you get your TF Bank Mastercard Gold and start using it quickly, regardless of location.
Requirements for Applying
To apply for the TF Bank Mastercard Gold, ensure that the following criteria are met:
- The applicant is 18 years or older.
- A valid mobile number is required.
- A consistent monthly income must be available.
- A valid bank account is needed.
- A passport is required for identification.
- Non-EU nationals must hold a valid residence permit that extends at least 24 months beyond the application date.
In some cases, a registration certificate may be necessary. These are the key details for international applicants worldwide interested in the TF Bank Mastercard Gold.
Steps to Order & Activate Your Free TF Bank Mastercard Gold
Follow these straightforward steps to apply for and activate the TF Bank Mastercard Gold.
This process is designed for a worldwide audience, ensuring that anyone can understand the procedure.
1. Application Process
Go to the TF Bank website and select the option to apply for the TF Bank Mastercard Gold. You will need to fill out personal details for verification:
- Salutation, first name, and last name as they appear on your official ID.
- Address information, including street, house number, postal code, and city.
- Your mobile phone number and email address.
You may opt out of receiving promotional materials. Once all details are entered, finalize the process by clicking “Apply.”
2. Personal Information
On the next page, you will need to provide additional details:
- Your date and place of birth, nationality, and marital status.
- If you have children under 18, that information may be relevant.
- Your employment status, including profession, employer details, and monthly net income.
Please agree to the terms and conditions by selecting the appropriate box. If necessary, you can skip optional extras such as payment protection insurance. Then, submit the form to complete the application.
3. Identity Verification
After approval, identity verification will be required. This is done through the IDnow service. A link will be sent to your email, or you can access it via the website.
- Use the IDnow app to upload documents, like your residence permit.
- Complete the process by taking a selfie and digitally signing the activation contract. Additional documents may be requested, which can be sent to TF Bank through the specified email.
4. Receiving and Activating Your Card
Once identity verification is complete, you will receive your TF Bank Mastercard Gold and its PIN by mail within 7-10 business days.
Activation will be confirmed through email and text within 1-2 business days after you receive the card.
Contact and Address
Contact TF Bank directly for assistance and information on applying for the TF Bank Mastercard Gold.
The service email [email protected] is available for inquiries specifically related to the Mastercard Gold. Send correspondence to TF Bank AB, Postfach 10 02 26, 20001 Hamburg, Deutschland for postal communication.
The support team can also be reached immediately at 030 – 814 566 890. This contact is applicable to applicants worldwide.
Conclusion
The TF Bank Mastercard Gold provides a straightforward option for individuals worldwide interested in a no-fee credit card. Regularly paying off the credit balance is important to avoid high interest charges.
For more information, check the FAQ section on the TF Bank website, which is available in English.
Note that terms and conditions may apply, and it’s recommended to review them thoroughly before applying. Success in applying for the TF Bank Mastercard Gold!