TF Bank — Mastercard Gold vs BBVA — Carta di Credito
TF Bank — Mastercard Gold starts ahead on fees: no annual fee versus €36 for BBVA — Carta di Credito. The choice depends on your real spending profile: redo the math with your volumes before picking between TF Bank — Mastercard Gold and BBVA — Carta di Credito.
| TF Bank — Mastercard Gold | BBVA — Carta di Credito | |
|---|---|---|
| Tier | A | B |
| Rating | ★ 3.9 | ★ 3.7 |
| Network | Mastercard | Mastercard |
| Card type | Revolving credit | Revolving credit |
| Backing | Unsecured | Unsecured |
| APR | 23.1% | 6.21% |
| Credit limit | €5,000 | — |
| Issuing bank | TF Bank AB | BBVA S.A. |
| Issuance fee | Free | Free |
| Annual fee | Free | €36/year |
| ATM withdrawal | Free | 4% |
| FX markup | 0% | 0% |
| Cashback | Not disclosed | Not disclosed |
| Contactless | Yes | Yes |
| KYC | Full | Full |
| Privacy | 2/10 | 2/10 |
| Supported countries | EEA · 1+ countries | EEA · 1+ countries |
| Funding / solidity | Banca svedese quotata al Nasdaq Stockholm · carta di credito a canone zero e FX 0% | Gruppo bancario spagnolo · carta di credito con FX 0% e rateizzazione a TAN 0% |
| Regulator | Finansinspektionen (Svezia) · Banca d'Italia per la libera prestazione in IT | Banco de España / BCE · Banca d'Italia per la succursale |
| Segment | B2C | B2C |
| Regions | EU/EEA | EU/EEA |
| Licences & safety | Banca (TF Bank AB, autorizzata da Finansinspektionen, Svezia; opera in Italia in libera prestazione di servizi) | Banca (Banco Bilbao Vizcaya Argentaria S.A., vigilata da Banco de España e BCE; opera in Italia tramite succursale) |
Frequently asked questions
TF Bank — Mastercard Gold vs BBVA — Carta di Credito: which is better?
TF Bank — Mastercard Gold starts ahead on fees: no annual fee versus €36 for BBVA — Carta di Credito. The choice depends on your real spending profile: redo the math with your volumes before picking between TF Bank — Mastercard Gold and BBVA — Carta di Credito.
Is TF Bank — Mastercard Gold custodial or self-custody?
TF Bank — Mastercard Gold is self-custody: you keep the keys, while BBVA — Carta di Credito is self-custody.