Roslagens Sparbank

What Roslagens Sparbank does

Roslagens Sparbank is a Swedish savings bank (sparbank) founded in 1859 and headquartered in Norrtälje, operating four physical branches across Norrtälje, Rimbo, Hallstavik, and Älmsta in the Roslagen region with approximately 110 employees. As a savings bank, it has no external shareholders and reinvests profits locally rather than distributing equity returns. The bank serves both private individuals (retail mortgages, personal loans, savings, ISK, capital insurance, pension, Mastercard cards, payment services) and local SMEs, agricultural/forestry businesses, and BRF housing associations (business loans, cash management via Likviditetsöversikten and Analysverktyget, Swish Handel, business cards, e-bokföring via Speedledger integration). It also runs Private Banking and Premium advisory tiers for affluent retail customers.

The technology stack is delivered through Swedbank's shared banking infrastructure: Internetbanken (web) and a mobile app (refreshed June 2025) authenticate via BankID, support Swish instant payments, integrate Apple Pay, Google Pay, Samsung Pay, Garmin Pay, Fitbit Pay, Xiaomi Pay, Swatch Pay, Fidesmo Pay, Tapster, and DigiSeq on the card/payments side, and route through Mastercard for credit and debit products. Customer-facing distribution is omnichannel: four physical branches for advisory-led sales of complex products (mortgages, business loans, wealth management), 24/7 self-serve internet and mobile banking, and a telephone Kundservice center. Marketing channels include the website, mobile-app communications, the Nyckelkund newsletter, community events and workshops (e.g., "Äg din ekonomi" financial education evenings), and SKI/Brilliant Awards participation that generates earned-media visibility.

Revenue mechanics follow a standard retail-banking model: net interest margin on the lending book (Bolån, Privatlån, Billån, Företagslån, green loans), recurring fees on accounts and cards, transaction-based commissions on securities trading and fund distribution, and affiliate/referral income from insurance partnerships. The bank does not publicly disclose pricing; loan and deposit rates are available via published rate pages or customer inquiry. Geographic service is restricted to the Roslagen region in Sweden.

Name

Roslagens Sparbank

Legal name

Roslagens Sparbank AB

Website

https://roslagenssparbank.se

Company type

Private

Founded year

1859

Operating status

Operating

Headcount range

51–100 employees

Short description

Roslagens Sparbank is a 1859-founded Swedish savings bank headquartered in Norrtälje, operating four branches across the Roslagen region with ~110 employees. It provides retail and SME banking — mortgages, loans, payments, savings, investments, insurance, and advisory — under a no-shareholder cooperative structure using Swedbank's shared digital infrastructure.

Ownership category

akta.pro rank

Headquarters

HQ city

Norrtälje

HQ country

Sweden

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: The bank generates revenue primarily through interest margins on loans including mortgages (bolån), personal loans (privatlån), and business loans. Interest is charged on various lending products including mortgage loans, bridging loans (överbryggningslån), green loans for sustainable investments, and commercial lending.
2. Fee-based Services: Revenue from account management fees, card fees (bank cards, credit cards), securities trading commissions, and payment processing services. Includes custody services, investment account management, and corporate banking service fees.
3. Insurance Distribution: The bank offers and distributes insurance products including home insurance, vehicle insurance, personal insurance, and health insurance through partnerships with insurance providers.
4. Savings and Investment Products: Revenue from managing savings accounts, fund distribution (mutual funds), investment savings accounts (ISK), capital insurance (kapitalförsäkring), and securities custody.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Roslagens Sparbank is a regional Swedish savings bank that delivers retail and commercial banking services to individuals and businesses in the Roslagen region. Its core offering centers on deposit-taking, lending (mortgages, personal loans, car loans, business loans), payment and card services (bank cards, Mastercard credit cards, Swish), savings and investment products (savings accounts, mutual funds, stocks, ISK, capital insurance), pension planning, and insurance distribution (home, vehicle, personal). Services are delivered through four physical branches, internet banking, and a mobile app, all backed by Swedbank's shared banking infrastructure.

Product overview

Roslagens Sparbank is a local Swedish savings bank (sparbank) operating as part of the Swedbank group, serving customers in the Roslagen region with approximately 110 employees across four offices in Norrtälje, Hallstavik, Rimbo, and Älmsta. Founded in 1859, the bank offers a comprehensive suite of retail and corporate banking products centered around deposits and lending (Bolån mortgages, Privatlån personal loans, Billån car loans), payment services (bank cards, credit cards including Mastercard Gold and Platinum tiers, Swish mobile payments, and digital wallets like Apple Pay and Google Pay), investment products (savings accounts, funds, stocks via Värdepapperstjänster, ISK accounts, capital insurance), and insurance (home, vehicle, and personal insurance). The bank differentiates through specialized services including Private Banking and Premium advisory tiers, corporate cash management tools (Likviditetsöversikten, Analysverktyget), e-accounting integration with Speedledger, and youth housing support via its foundation. Digital banking is delivered through Internetbanken (web) and Mobila Banken (mobile app with 2025 UI refresh), secured by BankID authentication.

Differentiator

Problem solved

Functional benefit

Products and services

• Bolån (Mortgage Loans) Home mortgage loans for purchasing, refinancing, or renovating residential properties, including options for new homes, vacation homes, and green mortgages for energy-efficient properties. For private individuals in the Roslagen region.
• Privatlån (Personal Loans) Unsecured personal loans for any purpose, with amounts from 30,000 SEK, including member loans with union associations and loan consolidation options. For private individuals.
• Billån (Car Loans) Vehicle financing for new or used vehicles, including green car loans with a 2% discount for electric vehicles. For private individuals.
• Sparkonton (Savings Accounts) Various savings account products including e-sparkonto, framtidskonto, sparkapitalkonto, skogskonto, sparkonto plus, and fasträntekonto (fixed-rate), with varying interest rates and terms. For private individuals.
• Fonder (Mutual Funds) Investment funds including equity funds, bond funds, index funds, balanced funds, hedge funds, and sustainable funds with various risk profiles and management strategies. For private investors.
• Aktier (Stocks / Securities Trading) Stock trading on Nordic markets (Stockholm, Helsinki, Copenhagen) as well as US and Baltic markets, with various securities services and analysis tools. For private investors.
• Investeringssparkonto (ISK) Tax-advantaged investment savings account with annual flat-rate tax instead of capital gains tax, simplifying tax reporting for investors. For private individuals.
• Kapitalförsäkringar (Capital Insurance) Insurance-based investment wrappers including kapitalspar fond, kapitalspar barn, kapitalspar depå, and kapitalspar pension with favorable tax treatment. For private individuals.
• Pension Products Pension products including public pension advisory, occupational pension (tjänstepension), private pension savings (IPS), and generation funds, with options to consolidate and transfer pensions. For private individuals and employees.
• Hemförsäkring (Home Insurance) Home insurance covering house, apartment, rental property, and vacation home insurance with optional add-ons like travel insurance and bullying protection. Distributed through insurance partners. For private individuals.
• Fordonsförsäkring (Vehicle Insurance) Vehicle insurance including car insurance with partnerships for Volvo, Ford, Hyundai, Peugeot, Opel, Citroen, Saab, Mitsubishi, Subaru, Honda, and Mazda, plus coverage for campers, boats, and snowmobiles. For private individuals.
• Personförsäkring (Personal Insurance) Personal insurance including life insurance, health insurance, accident insurance, sickness capital insurance, dental insurance, child insurance, unemployment insurance (inkomstförsäkring), and pregnancy insurance. For private individuals.
• Kreditkort (Credit Cards) Mastercard credit cards in standard, Gold (with travel benefits and discounts), and Platinum (with lounge access, concierge, and premium travel insurance) tiers. For private individuals.
• Bankkort (Debit Cards) Mastercard debit cards including Mastercard Ung for young people, supporting contactless payments and online shopping. For private individuals.
• Internetbanken (Internet Banking) Online banking platform for managing accounts, payments, transfers, securities trading, and account services through a web browser. Available 24/7. For private customers.
• Mobila Banken (Mobile Banking App) Mobile banking application for smartphones and tablets, with an interface update released in 2025, offering account management, payments, Swish, and spending insights. For private customers.
• Mobilt BankID Swedish mobile electronic identification for secure authentication and digital signing across banking and government services. For private customers.
• Private Banking Premium banking service for high-net-worth individuals with dedicated advisors, capital management, and personalized financial planning. For affluent private customers.
• Premium Advisory Advisory service tier offering enhanced relationship management and priority support for affluent private customers.
• Nyckelkund (Key Customer Package) Comprehensive banking package for regular private customers with bundled services and benefits, including a customer newsletter with market insights.
• Företagslån (Business Loans) Business financing including bank loans, real estate loans, green loans for solar panels, leasing, installment plans, and invoice financing. For local SMEs in the Roslagen region.
• Företagskort (Business Cards) Corporate card solutions including Business debit card and Betalkort Företag with expense management and accounting integration. For business customers.
• Swish Företag & Swish Handel Mobile payment solutions for businesses including Swish Företag for business payments and Swish Handel for retail commerce with QR code functionality. For business customers.
• Värdepapperstjänster (Securities Services) Securities trading platform offering Bas, ISK, Kapitalspar Depå, and IP-depå account types with access to stocks, bonds, funds, options, and structured products. For private investors.
• Speedledger E-bokföring (Electronic Accounting Integration) Electronic accounting integration with Speedledger enabling automated bookkeeping directly from bank transactions. For business customers.

Quantifiable outcome

• Top-ranked in customer satisfaction for six consecutive years in Svenskt Kvalitetsindex (SKI) for both private and business customers
• +1 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature4 records

Partnerships

One partnership is on record.

• SwedbankcoreStrategic or Co-development PartnerRoslagens Sparbank operates as part of the Swedbank network, utilizing Swedbank's shared banking infrastructure, technology platforms, and product offerings while maintaining its local savings bank identity. This partnership provides access to Swedbank's digital banking platforms (internet bank, mobile app), ATM network, securities trading infrastructure, and comprehensive product range including insurance products. The partnership enables the local bank to offer services comparable to large commercial banks while preserving regional focus and community reinvestment of profits.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Skandiabanken: Swedish digital bank owned by Skandia, offering similar retail banking products (mortgages, savings, funds, insurance). Comparable product set but operates as a national digital player rather than a regional relationship bank.
• ICA Banken: Swedish retail bank affiliated with the ICA grocery chain, offering savings accounts, payment cards, mortgages, and insurance. Comparable retail product suite with strong brand-loyalty model.
• Handelsbanken: Major Swedish bank with a strong regional branch model historically similar to savings banks. Directly competes with Roslagens in deposit, mortgage, and SME banking in the broader Stockholm/Uppsala region.
• Nordea: Largest Nordic bank with a full retail and corporate banking product suite. Competes directly with Roslagens in the Roslagen region for mortgages, savings, and business banking.
• SEB: Large Nordic universal bank providing retail, SME, and corporate banking in Sweden. Competes with Roslagens for mortgages, savings, and wealth management in the greater Stockholm region.

Direct peers

• Sparbanken Syd: Regional Swedish savings bank operating in southern Sweden with the same sparbank governance model and Swedbank infrastructure partnership. Directly comparable in product offering, scale, customer base, and partnership-based operating model.
• Sparbanken Skåne: Skåne-based regional Swedish savings bank jointly owned by several local savings banks and partnered with Swedbank. Closely comparable in product mix, branch-based advisory model, and savings-bank structure.
• Länsförsäkringar Bank: Swedish regional bank owned by county insurance companies, offering retail and SME banking products alongside insurance distribution. Comparable relationship-based model targeting regional Swedish customers.

Emerging players

• Svea Bank: Swedish niche bank focused on SME and consumer lending, payments, and financial services. Comparable in offering targeted lending and savings products to Swedish retail and SME customers.

Others

• Swedbank: Roslagens Sparbank's infrastructure partner and group affiliation. Swedbank provides the digital banking platform, product range, and ATM network while Roslagens maintains local branding and customer relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/sparbanken
• Facebookfacebook.com/RoslagensSparbank
• LinkedInlinkedin.com/company/roslagenssparbank

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

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 Roslagens Sparbank