Carta YOU — Advanzia Bank vs TF Bank — Mastercard Gold
Neither wins across the board: weigh the points above against your use case before choosing between Carta YOU — Advanzia Bank and TF Bank — Mastercard Gold.
| Carta YOU — Advanzia Bank | TF Bank — Mastercard Gold | |
|---|---|---|
| Tier | A | A |
| Rating | ★ 4.0 | ★ 3.9 |
| Network | Mastercard | Mastercard |
| Card type | Revolving credit | Revolving credit |
| Backing | Unsecured | Unsecured |
| APR | 24.15% (variable) | 23.1% |
| Issuing bank | Advanzia Bank S.A. (Lussemburgo) | TF Bank AB |
| Issuance fee | Free | Free |
| Annual fee | Free | Free |
| Free ATM limit | ATM withdrawals (Italy and abroad) 4% of the amount, minimum €3 per transaction, with interest from the booking date (no grace period) | — |
| ATM withdrawal | 4% | Free |
| FX markup | 0% | 0% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| Virtual card | Yes | — |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Banca lussemburghese specializzata in carte di credito · Mastercard Gold senza canone | Banca svedese quotata al Nasdaq Stockholm · carta di credito a canone zero e FX 0% |
| Regulator | CSSF (Lussemburgo) · operatività in Italia | Finansinspektionen (Svezia) · Banca d'Italia per la libera prestazione in IT |
| Segment | B2C | B2C |
| Credit limit | — | €5,000 |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Banca lussemburghese (vigilanza CSSF) · emissione carte di credito | Banca (TF Bank AB, autorizzata da Finansinspektionen, Svezia; opera in Italia in libera prestazione di servizi) |
Frequently asked questions
Carta YOU — Advanzia Bank vs TF Bank — Mastercard Gold: which is better?
Neither wins across the board: weigh the points above against your use case before choosing between Carta YOU — Advanzia Bank and TF Bank — Mastercard Gold.
Is Carta YOU — Advanzia Bank custodial or self-custody?
Carta YOU — Advanzia Bank is self-custody: you keep the keys, while TF Bank — Mastercard Gold is self-custody.