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TF Avarda Bank is a digital bank offering consumer banking services and e-commerce solutions through a proprietary IT platform with a high degree of automation. The platform is designed for scalability and adaptability to different products, countries, currencies and digital banking solutions. TF Avarda Bank prioritizes organic growth under controlled conditions and expansion is taking place in carefully selected segments and markets. Operations are conducted in the Nordics, the Baltics, Poland, Germany, Austria, Spain, Ireland, the Netherlands and Italy through subsidiary, branch, or cross-border banking with the support of the Swedish banking license.

The business is divided into three segments: Credit Cards, Ecommerce Solutions and Consumer Lending. The target group for all services is creditworthy private individuals, and the loan amounts are relatively small with short repayment terms. TF Bank also offers deposit products in several markets.