TF Bank AT review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

TF Bank AT is a Swedish insurer selling a single line of cover, travel, with a starting premium of €0. It suits travellers who want travel protection written by a bank rather than a travel specialist, and readers who put support and claims access ahead of cover breadth.

Key facts

Best for
Travellers who want travel cover from a bank insurer and judge a policy on support and claims access.
Premium from
€0 (Source, checked September 26, 2026)
Insurance types
Travel (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
No (Source, checked September 26, 2026)
Excess from
€100 (Source, checked September 26, 2026)
Cover limit
Trip cancellation protection up to 3,000 EUR; baggage up to 2,000 EUR (Source, checked September 26, 2026)
Claims channels
Phone (Source, checked September 26, 2026)
Age range
Travel insurance: no cover for persons older than 75 years; referred persons must be over 18 (Source, checked September 26, 2026)
Legal entity
Avarda Bank AB (publ), reg. no. 556158-1041 (trading as TF Bank) (Source, checked September 26, 2026)
Headquarters
Sweden (Source, checked September 26, 2026)
Founded
1987 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
tfbank.at

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • Starting premium of €0, near the bottom of the range readers see
  • The provider type is an insurer (insurer), so cover is underwritten rather than placed by a broker
  • Support runs on email, phone and help centre for questions outside a claim
  • Claims run on phone, a single listed route

Cons

  • Travel is the only line listed in travel, so nothing else is covered by the same policy
  • The age range rules out cover past a set age, and any referred person must be over a minimum age
TF Bank AT

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Travellers who want travel cover underwritten by an insurer rather than arranged through a broker
  • Readers shopping on a low entry price, since the premium begins at €0
  • People who prefer a mix of self-service and direct contact, given email, phone and help centre

Who should look elsewhere

  • Good Sam Insurance Agency, which covers travel alongside auto, home, life, health and pet under auto, home and renters
  • Euroasia Insurance, whose quoted starting premium of UZS 60,000 sits in another market and currency
  • bonus.ch, whose starting premium of CHF 0 is a second price reference worth weighing

Safety and regulation

TF Bank AT trades as an insurer, and the legal entity behind the trading name is registered in Sweden, so the counterparty on a policy is the underwriter rather than an intermediary. The Swedish Financial Supervisory Authority supervises the firm, and the brand has traded since 1987. Travel is the only line it writes, so the entity and the policy sit together.

How TF Bank AT compares

Where TF Bank AT is available

Available
Austria, 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

How much does travel cover from TF Bank AT cost?+

The starting premium is €0, and the listed insurance types cover travel only, so this is a single line of cover rather than a bundle. An excess applies from €100, which is the part of a claim that stays with you.

Who regulates TF Bank AT and what kind of company is it?+

TF Bank AT is an insurer, so the firm you contract with is the underwriter rather than an intermediary, as the entity type shows. The legal entity behind the trading name is registered in Sweden and supervised by Finansinspektionen, the Swedish Financial Supervisory Authority, and has traded since 1987.

What does the travel cover include?+

Trip cancellation and baggage are both part of the travel protection, each capped at a stated limit in the policy wording. The rest of the product is narrow: travel lists travel and nothing further, so other risks are not part of the same contract.

How do I make a claim?+

Claims run on phone, so a call is the listed way to start one. Everyday questions sit on a wider set of routes, with support available by email, phone and help centre, which also gives you a written channel and a help centre for the detail.

Can I pay monthly?+

Monthly payments are not offered, so the premium does not run on a monthly schedule and there is no instalment plan to set up. The cost sits with the policy itself, and the entry price shown starts at €0, which is where most readers begin the comparison.

Is there an age limit on the cover?+

The age range sets the boundary: travellers past a set age get no cover, and any referred person must be over a minimum age for the policy to be considered at all. If your own age sits close to either limit, read the wording before you rely on the protection.

Who is this cover for?+

It suits people who want travel protection on its own from a bank insurer, and readers who weigh support access as heavily as price. It fits poorly if you need several lines of cover in one place, because travel covers travel alone and nothing more.

How does the price compare with other travel cover?+

The entry premium of €0 sits near the bottom of the range readers see, and Good Sam Insurance Agency carries travel as one line among several under auto, home and renters. bonus.ch also lists a starting premium of CHF 0, so price alone will not separate these providers.

Sources

  • fi.se checked September 26, 2026

    Backs: Licences

  • tfbank.at checked September 26, 2026

    Backs: Excess from, Monthly payments, Premium from

    “0,- Eröffnungsgebühr; 0,- Jahresgebühr; 0,- Rechnungszustellung (TF Mastercard Gold, keine monatliche Gebühr)”

  • tfbank.at/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

    “Avarda Bank AB, Lilla Brogatan 6, Borås, SE-503 30, Schweden”

  • tfbank.at/mastercard-gold-reiseversicherung checked September 26, 2026

    Backs: Age range, Claims channels, Cover limit, Provider type, Insurance types

  • tfbank.at/uber-uns checked September 26, 2026

    Backs: Founded

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

TF Bank AT

TF Bank AT

Travellers who want travel cover from a bank insurer and judge a policy on support and claims access.

9.0/10Visit

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