TF Bank AB, filial Finland

TF Bank AB, filial Finland is the Finnish branch of TF Bank AB (publ), a Swedish retail bank operating cross‑border under the EU passport regime. The branch focuses on straightforward consumer products rather than full-service banking: unsecured consumer loans and refinancing, a revolving credit card (Mastercard), and online savings and term deposit accounts. Applications are completed online with strong electronic identification, standard know‑your‑customer checks, and credit assessments based on Finnish data sources; eligibility typically requires Finnish residency, sufficient income, and a clean credit record. Loan pricing, card APRs, fees (including any cash advance or paper invoice fees), and deposit rates are published in the tariff and may change; early repayment of loans is generally allowed under Finnish law, subject to any permissible cost recovery. Savings and fixed-term deposits are not designed for daily payments and do not include cash services; transfers are handled via SEPA. As a branch of a Swedish bank, deposits placed through the Finnish branch are covered by Sweden’s statutory deposit guarantee administered by the Swedish National Debt Office (Riksgälden) up to the EU limit of EUR 100,000 per depositor, per bank. Prudential supervision rests with Sweden’s Finansinspektionen, while Finnish authorities (Finanssivalvonta and consumer bodies) oversee local conduct; complaints can be escalated to FINE’s Banking Complaints Board or the Consumer Disputes Board if not resolved with the bank. Card transactions use 3‑D Secure and PSD2 strong customer authentication. The bank offers remote customer service (phone, email, online messaging) in Finnish and English; service hours, current interest rates, and full fees should be checked on the bank’s website and pre‑contractual disclosures.