yA Bank
Resurs Bank (formerly yA Bank) is a Swedish-licensed Nordic retail and consumer finance bank offering credit cards, unsecured personal loans, savings accounts, and embedded merchant payment solutions across Norway, Sweden, Denmark, and Finland.
- Company typePrivate
- Founded1974
- HeadquartersOslo, Norway
- Headcount101–250
- GTM typeB2B and B2C
- OfferingServices
What yA Bank does
Resurs Bank AB (publ), formerly operating in Norway as yA Bank, is a Nordic retail and consumer finance bank headquartered in Helsingborg, Sweden, with a Norwegian branch in Oslo. The company operates under a banking license from the Swedish Finansinspektionen, enabling it to underwrite credit and offer payment solutions across Norway, Sweden, Denmark, and Finland. Founded in 1974, the bank served consumers and retail merchants for nearly 50 years before completing a full rebrand of the Norwegian yA business to Resurs Bank in November 2025, including a full banking system migration executed November 7–10, 2025.
The bank's core technology infrastructure is organized around three layers. At the consumer-facing layer, Resurs offers the Resurs Gold credit card (up to 60 interest-free days, 6-month installment option), unsecured Resurs Privatlån consumer loans up to 400,000 NOK without collateral, a fee-free Bufferkonto savings account, and the Resurs mobile app and online banking portal. At the merchant-facing layer, Resurs Checkout (built on Kustom's technology) provides a scalable checkout solution with 90% auto-prefill, plus invoice (30–90 day) and installment payment products, supported by pre-built plugins across Magento2, WooCommerce, Prestashop, Norce, Dandomain, Askås, and Mycashflow, and integrations with major Nordic POS systems. At the API layer, Resurs provides a PSD2-compliant Open Banking API via Crosskey (XS2A framework), a Merchant API, and a developer portal at developers.resurs.com.
The revenue model combines interest income on consumer loans (effective rate of 26.5% on a 15,000 NOK / 12-month example), recurring credit card fees and interest, transaction-based take rates from retail finance merchants (1,700+ partners), SME finance income from business loans and invoice factoring, and insurance distribution commissions from Solid Försäkringar for payment protection products. At end-2025, the bank reported 759 employees, a lending portfolio of 39.1 billion SEK, and operates as a subsidiary of Resurs Holding-konsernet. GTM is hybrid: direct-to-consumer via the website, mobile apps, and online banking, paired with channel-partner acquisition through embedded merchant integrations across physical stores and e-commerce checkouts.
yA Bank firmographics
Firmographics- Name
- yA Bank
- Legal name
- Resurs Bank Aktiebolag (Resurs)
- Website
- https://ya.no
- Company type
- Private
- Founded year
- 1974
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Resurs Bank (formerly yA Bank) is a Swedish-licensed Nordic retail and consumer finance bank offering credit cards, unsecured personal loans, savings accounts, and embedded merchant payment solutions across Norway, Sweden, Denmark, and Finland.
- Ownership category
- akta.pro rank
yA Bank industry classification
Industry- Product category
- Consumer Finance
- NAICS
- Commercial Banking (522110), Sales Financing (52222), Savings Institutions and Other Depository Credit Intermediation (52218), Depository Credit Intermediation (5221)
- SIC
- Personal Credit Institutions (6141), National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA)
- akta.pro secondary industries
- In-Store POS Installment Financing (FSAKAFAD), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD), SME Lending Platforms & Embedded SME Credit (FSAKAGAJ), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)
Keywords
Where yA Bank is headquartered
LocationHeadquarters
- HQ city
- Oslo
- HQ country
- Norway
- HQ region
- Europe
Offices4 records
Markets served
yA Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income - Consumer Loans: Interest earned on unsecured personal loans (forbrukslån) offered to consumers up to 400,000 NOK without collateral. Includes refinancing and debt consolidation loans.
- Credit Card Fees and Interest: Annual fees and interest charges on Resurs Gold credit card. Card offers up to 60 interest-free days and flexible 6-month installment payments.
- Payment Solutions - Retail Finance: Transaction fees and interest from retail finance partnerships. Includes invoice (30-90 days), installment payments, and buy-now-pay-later solutions for merchants and consumers.
- SME Finance: Business loans, inventory financing, invoice purchasing, and invoice factoring for small and medium-sized enterprises.
- Insurance Distribution: Payment protection insurance and expense protection offered in partnership with Solid Försäkringar.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal loans up to 400,000 NOK without collateral |
| Subscription | Monthly | Resurs Gold Credit Card - up to 60 interest-free days |
| Subscription | Annual | Bufferkonto (Savings Account) - fee-free with competitive rate |
| Transaction based/ take rate | Pay-as-you-go | Merchant Payment Solutions - 14-60 days interest-free credit |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
yA Bank product offering
Product offeringCore offering
Resurs Bank (formerly yA Bank) is a Nordic consumer and retail finance bank that provides unsecured personal loans up to 400,000 NOK, the Resurs Gold credit card with up to 60 interest-free days, the fee-free Bufferkonto savings account, and merchant-facing payment solutions (Resurs Checkout, invoice 30-90 days, installments, buy-now-pay-later) used by over 1,700 retail partners across Norway, Sweden, Denmark, and Finland. The bank also offers SME financing (business loans, inventory financing, invoice purchasing/factoring) and payment protection insurance distributed in partnership with Solid Försäkringar.
Product overview
Resurs Bank operates as a multi-product Nordic retail and consumer finance platform, formerly known as yA Bank. The offering is organized into two main business segments: (1) Payment Solutions — encompassing Retail Finance, Cards (Resurs Gold credit card), and SME Finance — providing merchants with checkout, invoice, and installment payment solutions, and (2) Consumer Loans — offering unsecured personal loans (Resurs Privatlån and Ellos Privatlån) and refinancing. Supporting infrastructure includes digital banking through the Resurs App and Onlinebank, an Open Banking API via Crosskey, a Merchant API for direct integrations, and developer resources at developers.resurs.com. Insurance products are offered in partnership with Solid Försäkringar, and the savings product (Bufferkonto) is a fee-free account with competitive rates and unlimited withdrawals.
Differentiator
Problem solved
Functional benefit
Brands
- Resurs Gold: Credit card with up to 60 interest-free days for purchases and flexible payment options including interest-free installment over 6 months.
- Bufferkonto
- Payment Solutions
- Consumer Loans
- Retail Finance
- SME Finance
- Resurs Checkout
- Resurs Society
Products and services
- Resurs Gold Credit Card
Quantifiable outcome
- 90% of customers get their information automatically in checkout
- +1 more outcomes
Companies that use yA Bank
Customer profileNamed customers7 records
Segments3 records
Ideal customer profiles3 records
yA Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration45 records
AI capability7 records
Feature3 records
yA Bank partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and major.
- CrosskeycoreOpen Banking API partnership providing access-to-account (XS2A) API through Crosskey's Open Banking Market. Developer portal and sandbox environment for API integration.
- KustomcoreResurs Checkout built on Kustom's technology platform - a scalable checkout solution for both private and business customers.
- Solid FörsäkringarcoreInsurance partner providing payment protection insurance and expense protection products distributed through Resurs.
- MastercardcoreCard network partner for credit card transactions, including digital wallet integration with Apple, Google, Garmin, and Samsung.
- Solid InsurancecoreClaims handling partner for payment insurance products.
- BauhausmajorMajor merchant partner using Resurs payment solutions for building materials retail.
- PowermajorMerchant partner using Resurs payment solutions for electronics and appliances retail.
- JulamajorMerchant partner using Resurs payment solutions for home improvement retail.
- Integration PartnerscoreExtensive ecosystem of integration partners including Kassasystemer (Infoflex, Northmill, Nutid, Heads, Pyramid, etc.) and E-commerce platforms (Magento2, WooCommerce, Prestashop, Norce, etc.) enabling seamless merchant integrations.
Scale indicators5 records
Recent moves8 records
Expansion highlights5 records
yA Bank competitors and assessment
Company assessmentBroad incumbents
- Swedbank: Swedbank is a Nordic universal bank offering consumer credit, cards, and SME banking across the Nordic and Baltic markets, with product overlap with Resurs's consumer loans and SME finance segments.
- Handelsbanken: Handelsbanken is a Swedish universal bank with consumer lending, SME banking, and payment products, competing with Resurs's broad offering across the Nordics, particularly in SME finance.
- SEB: SEB is a major Swedish-headquartered universal bank with consumer lending, cards, and merchant payment services that overlap with Resurs in the Nordics, particularly in Sweden and Norway.
- Nordea: Nordea is the largest Nordic universal bank, offering consumer loans, credit cards, BNPL-style solutions, and SME banking across all four Nordic markets where Resurs operates - a far broader incumbent but with overlapping product lines.
Direct peers
- Komplett Bank: Komplett Bank is a Norwegian digital consumer bank offering credit cards, personal loans, and savings accounts - directly comparable to Resurs Bank's Norwegian consumer banking book.
- Savings account: Instabank / Svea Bank: Svea Bank operates in Nordic consumer and SME finance, including factoring, invoice purchasing, and consumer lending, directly comparable to Resurs's SME Finance and consumer loan book.
- Klarna: Klarna is the dominant Nordic BNPL and consumer credit provider, directly competing with Resurs on merchant-integrated POS financing, installment payments, and consumer lending across the Nordics. Many of Resurs's senior leaders came from Klarna.
- Bank Norwegian (Norwegian Finans Holding): Bank Norwegian is a Nordic consumer credit specialist offering credit cards and personal loans directly comparable to Resurs's consumer loans and Resurs Gold credit card products.
- Nordax Bank (now NOBA Bank Group): Nordax/Norwegian-brand NOBA is a Nordic specialist lender focused on personal loans, credit cards, and balance transfer products, directly comparable to Resurs's unsecured consumer lending book.
- TF Bank: TF Bank is a Swedish branch-based consumer and SME lender with credit cards, personal loans, and merchant financing across the Nordics, similar scale and product mix to Resurs.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
yA Bank social profiles
Digital presenceyA Bank compliance and trust
Trust signalCompliance12 records
yA Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
yA Bank leadership team
Management profileNumber of profiles
Profiles9 records
yA Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
yA Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about yA Bank
What does yA Bank do?
Resurs Bank (formerly yA Bank) is a Nordic consumer and retail finance bank that provides unsecured personal loans up to 400,000 NOK, the Resurs Gold credit card with up to 60 interest-free days, the fee-free Bufferkonto savings account, and merchant-facing payment solutions (Resurs Checkout, invoice 30-90 days, installments, buy-now-pay-later) used by over 1,700 retail partners across Norway, Sweden, Denmark, and Finland. The bank also offers SME financing (business loans, inventory financing, invoice purchasing/factoring) and payment protection insurance distributed in partnership with Solid Försäkringar.
Is yA Bank a public or private company?
yA Bank is a private company. It is classified as corporate owned and is currently operating.
When was yA Bank founded?
yA Bank was founded in 1974. It employs 101 to 250 people.
Where is yA Bank based?
yA Bank is headquartered in Oslo, Norway, in the Europe region.
How does yA Bank make money?
Five revenue lines are on record. Interest Income - Consumer Loans are the primary driver. The others are credit Card Fees and Interest, payment Solutions - Retail Finance, SME Finance and insurance Distribution.
Who are yA Bank's main competitors?
Broad incumbents on record are Swedbank, Handelsbanken, SEB and Nordea. Direct peers are Komplett Bank, Savings account: Instabank / Svea Bank, Klarna, Bank Norwegian (Norwegian Finans Holding), Nordax Bank (now NOBA Bank Group) and TF Bank.
Does yA Bank have an API?
Yes. Resurs Open Banking API provides access-to-account (XS2A) functionality via PSD2-compliant account information APIs. Through a collaboration with Crosskey using the Open Banking UK framework, the API enables third-party providers to access credit card account data including balance and up to 90 days of transaction history (expanding to 12 months). A developer portal provides documentation and sandbox environment. A PSD2 fallback mechanism is available for TPPs if the dedicated Open Banking interface is unavailable. Developer documentation is at crosskey.io/stores/resursbank/apis.
What industry is yA Bank in?
yA Bank's product category is Consumer Finance. Its primary akta.pro industry code is FSAGAIAA, Merchant-Integrated BNPL (Checkout POS Financing), with a secondary code of FSAKAFAD, In-Store POS Installment Financing. Its NAICS code is 522110 and its SIC code is 6141.