Case Study: TF Bank achieves faster, fully digital credit card onboarding with IDnow

TF Bank becomes #1 credit card provider with fastest account opening in Germany with IDnow’s AutoIdent QES

TF Bank, a European online bank founded in Sweden in 1987, needed to replace a fragmented, manual credit card onboarding process that could take up to seven days. Working with IDnow, it aimed to simplify identity verification, reduce operational workload, and create a faster, fully digital customer journey for account opening and credit card issuance.

IDnow implemented AutoIdent QES, combining automated identity verification, biometric checks, fraud prevention, and qualified electronic signatures for compliant remote contract signing. The result was onboarding reduced from up to 7 days to as little as 30 seconds online, a 10% increase in application-to-customer conversion, significantly less manual work, and TF Bank becoming a market leader in its credit card segment.

TF Bank

Julian Grötzbach

Head of Expansion Cards