Jaeren Sparebank
- Company typePrivate
- Founded2015
- HeadquartersBryne, Norway
- Headcount101–250
- GTM typeB2C
- OfferingServices
Jaeren Sparebank firmographics
Firmographics- Name
- Jaeren Sparebank
- Legal name
- Jæren Sparebank
- Website
- https://jaerensparebank.no
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Jaeren Sparebank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180), Depository Credit Intermediation (5221)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Mutual Savings Banks & Mutual Thrifts (FSABAEAD)
- akta.pro secondary industry
- Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)
Keywords
Where Jaeren Sparebank is headquartered
LocationHeadquarters
- HQ city
- Bryne
- HQ country
- Norway
- HQ region
- Europe
Offices6 records
Markets served
Jaeren Sparebank business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales
Revenue model
- Net Interest Income: The primary revenue stream for the savings bank, generated from the spread between interest earned on loans (mortgages, consumer loans, vehicle loans) and interest paid on deposits (savings accounts, current accounts). Interest rates range from approximately 5.19% nominal on first-home mortgages to 13.7% on unsecured consumer loans, while deposit rates range from 0% on current accounts to 5.85% on BSU youth housing savings.
- Insurance Commission Revenue: Jæren Sparebank acts as an insurance intermediary, offering property, casualty, travel, health, and specialty insurance products (bunad/valuable items insurance) through Fremtind Forsikring. The bank earns commission on insurance policies sold.
- Fund and Pension Management: The bank offers pension account management (Eika Egen Pensjonskonto) and investment fund products (Eika Aksjer, Eika Livssyklus, Eika Moderat, Eika Forsiktig) managed by Eika Kapitalforvaltning AS, earning management fees and transaction-based revenue.
- Account and Transaction Fees: Fees for account management (annual fees on certain accounts), payment services (giro payments at 50 NOK per transaction), foreign currency transactions, and securities account management (annual fees of 100–5,000 NOK depending on portfolio value).
- Secured Consumer Lending Products: Consumer loans and refinancing products are originated through Kredittbanken ASA, with Jæren Sparebank as the distributor. The bank earns referral or distribution fees on these products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Boliglån (Mortgage) - First Home Buyer (Førstehjemslån): Within 90% LTV, for first-time buyers under 34 with BSU and equity at Jæren Sparebank |
| Subscription | Monthly | Boliglån Ung (BLU) - Young Customers (18-33): Within 90% LTV, for customers under 34 with BSU and equity at Jæren Sparebank |
| Subscription | Monthly | Grønt Boliglån (Green Mortgage): Within 75% LTV, for energy-rated A or B properties |
| Subscription | Monthly | Ordinary Boliglån: Tiered by LTV and loan amount - Standard mortgage products |
| Subscription | Monthly | Fleksilån (Flex Loan): Within 60% LTV - flexible credit line secured by property |
| Subscription | Monthly | Fastrentelån (Fixed Rate Mortgage): 3, 5, or 10 year fixed rate periods |
| Subscription | Monthly | Forbrukslån (Consumer Loan): Unsecured personal loan for customers aged 20+ |
| Subscription | Monthly | Billån (Vehicle Loan): Secured vehicle financing with tiers by equity percentage |
| Subscription | Monthly | Grønt Billån (Green Vehicle Loan): Lower rates for environmentally friendly vehicles with equity >35% |
| Subscription | Annual | BSU (Boligsparing for Unge - Youth Housing Savings): Savings account for under-34s |
| Subscription | Annual | Sparekonto (Savings Account): Tiered interest by balance |
| Subscription | Annual | JærSpar: Savings account with 2 fee-free withdrawals, third withdrawal incurs 2% fee |
| Subscription | Annual | Sparekonto Ung (Youth Savings): For ages 0-33 |
| Subscription | Multi-year contract | Fastrenteinnskudd (Fixed Term Deposit): 6 or 12 month fixed term deposits |
| Subscription | Monthly | Eika Kredittkort (Credit Card): Annual fee free credit card |
| Subscription | Annual | Jærkonto / Jærkonto Ung / Lønnskonto (Current Accounts): Bank account products |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels5 records
Jaeren Sparebank product offering
Product offeringCore offering
Jæren Sparebank is a Norwegian regional savings bank providing a full suite of retail banking products including current accounts, savings accounts, mortgages, consumer loans, vehicle loans, and credit cards, alongside distribution of insurance products (home, travel, health, valuables) underwritten by Fremtind Forsikring and pension/investment products via Eika Kapitalforvaltning. The bank serves retail customers, young adults (18-34), and small businesses in the Jæren region through six physical branches and digital channels.
Product overview
Jæren Sparebank is a regional Norwegian savings bank (sparebank) headquartered in Bryne, Norway, offering a comprehensive suite of retail banking products through both physical branches and digital channels. The product portfolio is structured around four core pillars: (1) Dagligbank — current accounts (Jærkonto in variants for Junior, Ung, and standard), digital banking (Mobilbank/Nettbank), credit cards (Eika Kredittkort), and payment infrastructure including BankID, Vipps, and AvtaleGiro/eFaktura; (2) Lån — mortgages (Boliglån with sub-products Boliglån Ung, Førstehjemslån, Grønt boliglån, Rammelån), personal loans and consumer credit (Forbrukslån via Kredittbanken ASA), vehicle financing (Billån including green car and cash-free variants), and refinancing; (3) Sparing og pensjon — savings accounts (Sparekonto, JærSpar, BSU, MinSparing, Mikrosparing), investment (Fondssparing with Eika funds, Aksjesparekonto), and pensions (Egen pensjonskonto via Eika Selvvalgte); and (4) Forsikring — a full insurance range including home contents, building, travel, holiday home, valuable items, bunad, health, and youth-specific packages, all underwritten by Fremtind and distributed through the Eika Alliansen. The bank also provides real estate advisory services through a partnership with Aktiv Eiendomsmegling. The portfolio is primarily built on Eika Alliansen infrastructure, with products delivered via a unified digital platform (mobile and web banking) backed by Norwegian national payment systems.
Differentiator
Problem solved
Functional benefit
Products and services
- Jærkonto (Current Account)
- Boliglån (Mortgage)
- Forbrukslån (Consumer Loan)
- Billån (Vehicle Loan)
- Refinansiering (Refinancing)
- Eika Kredittkort (Credit Card)
- BSU (Boligsparing for Unge)
- Sparekonto (Savings Account)
- JærSpar
- MinSparing / Mikrosparing (Children's Savings)
- Fondssparing (Fund Savings)
- Aksjesparekonto (Stock Savings Account)
- Egen pensjonskonto (EPK)
- Innboforsikring (Home Contents Insurance)
- Husforsikring (Building Insurance)
- Reiseforsikring (Travel Insurance)
- Hytteforsikring (Holiday Home Insurance)
- Verdisaksforsikring / Bunadsforsikring (Valuable Items / Bunad Insurance)
- Helseforsikring (Health Insurance)
- Bilforsikring (Vehicle Insurance)
- Hundeforsikring (Pet/Dog Insurance)
- Barneforsikring (Child Insurance)
- Innbo- og reiseforsikring for unge (Youth Contents and Travel Package)
- UNG (Youth Banking Service)
- Fastrenteinnskudd (Fixed Term Deposit)
Quantifiable outcome
- Norges beste kundeservice (Norway's Best Customer Service) 2025 — awarded by KSIndeks (Kantar/CustomerTrends) based on 20,000+ customer survey responses evaluating availability, service attitude, and problem resolution.
Companies that use Jaeren Sparebank
Customer profileSegments4 records
Ideal customer profiles4 records
Jaeren Sparebank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Jaeren Sparebank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered flagship and core.
- Eika AlliansenflagshipJæren Sparebank is one of 47 local savings banks in the Eika Alliansen, Norway's largest local banking network. Eika provides shared digital banking infrastructure including Eika Mobilbank (mobile app), Eika Nettbank (online banking), Eika Investortjenester (investment platform), Eika Kredittkort, and access to Eika Boligkreditt for mortgage refinancing. The alliance enables shared technology investments, product development, and collective brand/marketing while maintaining each bank's local identity and community focus.
- Fremtind ForsikringcoreInsurance products (home, contents, travel, health, life, accident, valuable items/bunad, pet, vehicle) are underwritten and delivered by Fremtind Forsikring, a subsidiary of SpareBank 1 and Eika. Jæren Sparebank acts as a distribution channel for these insurance products. Customers purchase through bank branches, contact forms, or the online banking platform. Fremtind provides the insurance products and claims handling while the bank provides customer access and advisory services.
- Aktiv EiendomsmeglingcoreJæren Sparebank has a strategic partnership with Aktiv Eiendomsmegling for property valuation and real estate brokerage services. The bank recommends Aktiv to customers buying, selling, or refinancing properties. Aktiv provides free property valuations, professional real estate marketing, and transaction management, while Jæren Sparebank provides financing. The partnership is marketed as a 'complete real estate package' offering customers seamless property purchase/sale with integrated banking and real estate services.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Jaeren Sparebank competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights7 records
Customer concentration
Jaeren Sparebank social profiles
Digital presenceJaeren Sparebank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Jaeren Sparebank leadership team
Management profileNumber of profiles
Profiles1 record
Jaeren Sparebank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Jaeren Sparebank 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 Jaeren Sparebank
What does Jaeren Sparebank do?
Jæren Sparebank is a Norwegian regional savings bank providing a full suite of retail banking products including current accounts, savings accounts, mortgages, consumer loans, vehicle loans, and credit cards, alongside distribution of insurance products (home, travel, health, valuables) underwritten by Fremtind Forsikring and pension/investment products via Eika Kapitalforvaltning. The bank serves retail customers, young adults (18-34), and small businesses in the Jæren region through six physical branches and digital channels.
Is Jaeren Sparebank a public or private company?
Jaeren Sparebank is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Jaeren Sparebank founded?
Jaeren Sparebank was founded in 2015. It employs 101 to 250 people.
Where is Jaeren Sparebank based?
Jaeren Sparebank is headquartered in Bryne, Norway, in the Europe region.
How does Jaeren Sparebank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are insurance Commission Revenue, fund and Pension Management, account and Transaction Fees and secured Consumer Lending Products.
Does Jaeren Sparebank have an API?
No public API is recorded for Jaeren Sparebank.
What industry is Jaeren Sparebank in?
Jaeren Sparebank's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAD, Mutual Savings Banks & Mutual Thrifts, with a secondary code of FSABAAAI, Small Business Banking (Microbusiness/Sole Proprietor). Its NAICS code is 522180 and its SIC code is 6036.