Name

Sparbanken i Karlshamn

Legal name

Sparbanken i Karlshamn (publ)

Website

https://sparbankenikarlshamn.se

Company type

Public

Founded year

1829

Operating status

Operating

Headcount range

101–250 employees

Short description

Sparbanken i Karlshamn is a Swedish regional savings bank founded in 1829, serving private individuals and businesses in Blekinge with mortgages, loans, savings, funds, credit cards, and digital banking on Swedbank's platform, currently rebranding to Sparbanken Blekinge.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

Savings Institutions, Not Federally Chartered (6036)

akta.pro primary industry

Regional/Diaspora-focused Neobanks (FSABAFAK)

Keywords

• Retail banking services
• Mortgage lending
• Savings accounts
• Consumer lending
• Regional banking

Headquarters

HQ city

Karlshamn

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Interest Income: Traditional banking revenue from lending activities, including mortgage loans (bolån), personal loans, and business financing. Interest rate products include housing loan rates and fixed-rate savings accounts.
2. Fee and Commission Income: Fees from banking services including credit cards (kreditkort), fund management (fonder), and transaction services.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

Sparbanken i Karlshamn is a regional Swedish savings bank providing retail and commercial banking services including mortgages (bolån), personal and car loans, savings accounts (Sparkonto Plus, Fasträntekonto), investment funds, credit cards, and monthly savings plans. The bank delivers these services through a physical branch in Karlshamn combined with digital channels (mobile app and internet banking) operated on Swedbank's infrastructure, and supports the local Blekinge community through foundations, sponsorships, and sustainability initiatives.

Product overview

Sparbanken i Karlshamn is a regional Swedish savings bank offering a comprehensive suite of banking products for both private individuals and businesses. The bank's core offerings include savings accounts (Sparkonto Plus, Fasträntekonto), lending products (mortgages, car loans), credit cards, and investment funds. Digital banking services are delivered through a mobile app and internet banking platform integrated with Swedbank's infrastructure, featuring security controls like adjustable transfer limits and delayed transfers. Premium offerings include the Nyckelkund (Key Customer) package with exclusive benefits. Community engagement is strong through charitable foundations including Sparbankskilowatten (sustainable energy), Positiva projekt (community projects), and Stiftelser (foundations). The bank is rebranding to Sparbanken Blekinge on July 1st as part of its evolution.

Differentiator

Problem solved

Functional benefit

Products and services

• Sparkonto Plus A savings account with enhanced fraud protection that delays transfers in internet banking and app, giving customers time to think before money is sent. Targeted at private individuals seeking secure everyday savings.
• Fasträntekonto A fixed-rate savings account offering guaranteed interest rates for a set period. Targeted at private individuals seeking predictable returns on deposits.
• Bolån (Mortgage Loans) Home loan products with competitive interest rates for property purchases. Targeted at private individuals and households buying residential property.
• Fonder (Investment Funds) Investment fund products for wealth growth and long-term savings. Targeted at private individuals seeking diversified investment options.
• Låna till bil (Car Loans) Personal loans and credit products specifically designed for vehicle purchases. Targeted at private individuals financing a car.
• Kreditkort (Credit Cards) Credit card products offering flexible payment options and rewards. Targeted at private individuals for everyday spending and credit access.
• Nyckelkund (Key Customer Package) A premium customer package offering exclusive benefits such as 20% discount on summer theater tickets. Targeted at high-engagement private customers.
• Månadssparande (Monthly Savings) Systematic monthly investment in funds for long-term wealth building. Targeted at private individuals pursuing disciplined, long-term savings.
• Digital Banking Services Mobile and internet banking platform providing access to accounts, transfers, payments, and security settings management. Targeted at private individuals and businesses managing finances digitally.
• Företagsbanktjänster (Business Banking Services) Commercial banking services and financing solutions for corporate and business customers in the Blekinge region, including business loans, working capital management, and investment funding.
• Stiftelser (Foundations and Grants) Charitable foundation programs including Sparbankskilowatten (sustainable energy) and Positiva projekt (community projects), distributing grants to support local community development. Targeted at community organizations and local residents.

Quantifiable outcome

• Donated 25,000 SEK to Cancerfonden by sustainability prize winner Sandahls in Olofström
• +1 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• SwedbankcoreTechnology or IntegrationSparbanken i Karlshamn operates on Swedbank's digital banking infrastructure, including the mobile app (available on Google Play and App Store), internet banking platform, and Mobilt BankID authentication system. The bank uses Swedbank's established technology for online and mobile banking services.
• All 55 Swedish Savings Banks (Sparbanker)coreStrategic or Co-development PartnerSparbanken i Karlshamn is part of a network of 55 Swedish savings banks united behind common initiatives including a joint climate roadmap targeting net-zero emissions by 2045, fraud prevention campaigns, and shared banking infrastructure.
• Svårlurad (All Swedish Banks)coreGTM or Marketing PartnerCollaborative fraud prevention initiative bringing together all Swedish banks to spread knowledge about protecting against fraud. The bank actively participates in this national effort to increase customer security awareness.
• Sandahls (Olofström)minorOthersLogistics company in Olofström that won the bank's sustainability prize 'Framtidstro Blekinge' and chose to donate the 25,000 SEK prize money to Cancerfonden.
• HittautminorGTM or Marketing PartnerPartnership for a community competition where participants find checkpoints in nature and collect litter to win a 1,000 SEK gift card. Promotes environmental engagement in Blekinge.

Scale indicators1 record

Recent moves8 records

Expansion highlights5 records

Direct peers

• Sparbanken Skåne: A regional Swedish savings bank serving Skåne with the same Sparbankerna/Swedbank infrastructure model, comparable savings/lending/funds product suite, and similar community-engagement positioning. Direct analogue at larger regional scale.
• Sparbanken Syd: Southern Swedish savings bank operating on the same Swedbank/Sparbankerna digital platform with a similar community-bank value proposition, savings and lending products, and foundation-led local engagement model.
• Länsförsäkringar Bank: Swedish regional banking arm of the Länsförsäkringar insurance group offering mortgages, savings, and cards with a comparable regional, relationship-led model and a similar mid-sized customer footprint.
• ICA Banken: Swedish retail-focused bank offering savings accounts, credit cards, mortgages, and personal loans, often bundled with consumer-loyalty programs — closely comparable product mix to Sparbanken i Karlshamn's retail suite.

Broad incumbents

• Swedbank: Major Swedish universal bank that supplies the underlying digital platform (Mobilbank app, internet banking, BankID) used by Sparbanken i Karlshamn; competes in the same retail mortgage, savings, and funds categories at national scale.
• Handelsbanken: Swedish universal bank with a strong branch-led, relationship-banking model that directly competes for Sparbanken i Karlshamn's local business and private-banking customers in Blekinge.
• SEB: One of Sweden's largest universal banks offering the full retail and corporate banking suite — mortgages, savings, funds, cards — overlapping with Sparbanken i Karlshamn across essentially every product line.
• Nordea: Nordic universal bank with leading market positions in Swedish mortgages, savings, and funds; competes for the same retail and SME customer base as Sparbanken i Karlshamn.
• Skandia: Swedish mutual bank and insurer offering savings, funds, mortgages, and pensions — competing for the same private-banking and retail-investment customers as Sparbanken i Karlshamn.
• Danske Bank (Sweden): Nordic universal bank with a Swedish retail and corporate franchise that competes directly for mortgages, savings, and business-banking customers in southern Sweden, including Blekinge-adjacent markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/sparbankenikarlshamn
• LinkedInlinkedin.com/company/sparbanken-i-karlshamn/mycompany/?viewAsMember=true
• Instagraminstagram.com/sparbankenikarlshamn

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Sparbanken i Karlshamn