Marker Sparebank
- Company typePrivate
- Founded-
- HeadquartersØrje, Norway
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
Marker Sparebank firmographics
Firmographics- Name
- Marker Sparebank
- Legal name
- Marker og Eidsberg Sparebank
- Website
- https://marker-sparebank.no
- Company type
- Private
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Marker Sparebank industry classification
Industry- Product category
- Retail Banking
- NAICS
- Savings Institutions and Other Depository Credit Intermediation (522180)
- SIC
- Savings Institutions, Not Federally Chartered (6036)
- akta.pro primary industry
- Mutual Savings Banks & Mutual Thrifts (FSABAEAD)
- akta.pro secondary industries
- A2A Bill Pay & eInvoicing (Open Banking Enabled) (FSAMAFAL), Fee-Only Advisory (FSAEAAAL)
Keywords
Where Marker Sparebank is headquartered
LocationHeadquarters
- HQ city
- Ørje
- HQ country
- Norway
- HQ region
- Europe
Offices7 records
Markets served
Marker Sparebank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Interest Income: Primary revenue stream from interest earned on loans including mortgage loans (boliglån), agricultural loans (landbrukslån), consumer loans (forbrukslån), and car loans (billån). The bank sets its own lending rates independently of central bank policy as demonstrated by their decision not to raise rates on housing and agricultural loans despite Norges Bank increasing the policy rate.
- Fee and Commission Income: Revenue from banking fees, account maintenance charges, payment processing, and financial advisory services. Pricing is publicly available on their website and through Finansportalen.no for comparison.
- Insurance Products: Commission revenue from sale of insurance products including home insurance (husforsikring), contents insurance (innboforsikring), car insurance (bilforsikring), travel insurance (reiseforsikring), pet insurance (hundeforsikring), and child insurance (barneforsikring).
- Savings and Investment Products: Revenue from savings accounts (banksparing), fund investments (fondssparing), pension products (pensjonssparing), and BSU (first-home savings accounts). Fees charged on transaction accounts, fund management, and pension products.
- Real Estate Agency Services: Commission income through partnership with Aktiv for real estate brokerage services. The bank refers customers to Aktiv's local real estate agents when customers are buying or selling property.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Personal Banking (Privat) |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels4 records
Marker Sparebank product offering
Product offeringCore offering
Marker Sparebank (formally Marker og Eidsberg Sparebank) is a Norwegian regional savings bank offering retail and commercial banking services including daily banking accounts, payment services, mortgages, consumer loans, auto loans, savings accounts, mutual fund investments, BSU youth housing savings, and pension savings. The bank also distributes insurance products (home, car, travel, contents, child, and pet insurance) and provides real estate brokerage referral services through a partnership with Aktiv Eiendomsmegling. Services are delivered through seven physical branches across Østfold county, digital banking platforms, and telephone support.
Product overview
Marker og Eidsberg Sparebank operates as a regional Norwegian savings bank offering a comprehensive suite of financial services organized around four core product lines: Dagligbank (daily banking), Forsikring (insurance), Lån (lending), and Sparing og pensjon (savings and pension). The bank also provides real estate brokerage services through a partnership with Aktiv Eiendomsmegling. Daily banking services form the foundation, encompassing transaction accounts, payment services (including BankID authentication, AvtaleGiro, eFaktura, Vipps, and mobile payments), debit/credit cards, and mobile/nettbank platforms. Insurance products cover vehicles, homes, travel, contents, children, and pets. Lending offerings include mortgages (boliglån), car loans, consumer loans, and refinancing, with tools like loan calculators and application tracking. Savings products range from traditional savings accounts and BSU youth housing savings to mutual fund investments (fondssparing), microsavings, automated Smartspar investing, and private pension savings. The bank positions itself as a local community bank with physical branches across multiple locations in Østfold county.
Differentiator
Problem solved
Functional benefit
Products and services
- Dagligbank (Daily Banking) Core daily banking services including transaction accounts (brukskonto), payment services, bank cards, credit cards, mobile and online banking, international transfers, and identification services for retail and business customers.
- Forsikring (Insurance Products) Distribution of insurance products including car, home, travel, contents, child, and pet insurance, plus claims handling services for retail and business customers.
- Lån (Lending) Loan products including mortgages (boliglån), car loans (billån), consumer loans (forbrukslån), specialized loans for motorcycles/motorhomes/ATVs, and refinancing services, with tools to track application status.
- Sparing og pensjon (Savings and Pension) Savings and pension products including savings accounts, mutual funds (fondssparing), BSU youth housing savings, microsavings, automated Smartspar investing, and private pension savings.
- Eiendomsmegling (Real Estate Brokerage Referral) Real estate brokerage referral services through partnership with Aktiv Eiendomsmegling, providing local real estate agents for customers buying or selling property.
- Kundeprogrammer (Customer Loyalty Program) Customer loyalty and reward programs offered by the bank to its retail customers.
Quantifiable outcome
- Customers can access extended phone support on weekends (Saturday-Sunday 09:00-21:00) and weekdays until 21:00
- +1 more outcomes
Companies that use Marker Sparebank
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles2 records
Marker Sparebank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
Feature3 records
Marker Sparebank partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Aktiv (Real Estate Agency)coreStrategic referral partnership with Aktiv, a network of local real estate agents in Norway. Marker og Eidsberg Sparebank refers customers who are buying or selling property to Aktiv's local agents, while Aktiv's agents in turn refer their clients to the bank for mortgage and other banking services. The partnership provides integrated service for customers navigating real estate transactions.
- Eika Banking AlliancecoreMarker og Eidsberg Sparebank is part of the Eika banking group, a Norwegian alliance of local savings banks. Eika provides shared technology platforms, operational support, and brand association while member banks maintain their local identity and independence. Eika branding appears on the bank's website indicating this membership.
Scale indicators3 records
Recent moves6 records
Expansion highlights3 records
Marker Sparebank competitors and assessment
Company assessmentOthers
- Aktiv Eiendomsmegling: Norwegian real estate brokerage network in a mutual referral partnership with Marker & Eidsberg Sparebank. Not a financial competitor but a key ecosystem partner in the bank's mortgage origination funnel.
- Gjensidige: Largest Norwegian general insurance company that distributes personal and commercial insurance products through bank and broker partnerships. Comparable insurance distribution model and partially overlaps with the bank's Forsikring product line.
Broad incumbents
- Sparebanken Sør: Larger regional Norwegian savings bank serving Agder. Operates the same mutual savings bank model with a broader branch network and product suite, providing a natural benchmark for how a mid-sized Østfold bank could scale regionally.
- Sparebanken Vest: Large Norwegian regional savings bank serving Western Norway. Same mutual savings bank model but at significantly greater scale, providing a comparable yet much larger incumbent against which Marker's strategy can be assessed.
- Sparebank 1 SR-Bank: Major Norwegian regional savings bank and the largest Sparebank 1 alliance member. Competes with Marker & Eidsberg Sparebank for retail and business banking customers across Norway, with materially larger scale and broader product portfolio.
- DNB: Norway's largest financial services group offering retail, corporate, and capital markets products. The dominant national competitor for retail deposits, mortgages, and SMB banking that smaller Eika savings banks like Marker & Eidsberg Sparebank must differentiate against.
Emerging players
- BN Bank: Norwegian digital bank focused on mortgages and retail deposits. Represents the digital-first challenger model that competes with traditional branch-based savings banks on price and convenience, pressuring Marker's deposit and mortgage economics.
Direct peers
- OBOS-banken: Norwegian digital-first savings bank owned by the OBOS housing cooperative. Similar retail and mortgage focus, comparable customer base (homeowners and residential savers), but pursued at a national digital scale rather than via a branch network.
- Skue Sparebank: Eika-alliance savings bank serving the Numedal/Krødsherad region of Norway. Comparable mutual savings bank model, Eika-branded technology, and full suite of retail, business, and lending products — a structural analogue to Marker & Eidsberg Sparebank.
- Halden Sparebank: Norwegian Eika-alliance savings bank operating in Østfold county near Marker's territory. Same mutual structure, same Eika technology stack, and overlapping retail/business customer base, making it the closest geographic and competitive peer.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Marker Sparebank social profiles
Digital presenceMarker Sparebank compliance and trust
Trust signalCompliance2 records
Marker Sparebank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Marker Sparebank leadership team
Management profileNumber of profiles
Profiles13 records
Marker Sparebank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Marker 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 Marker Sparebank
What does Marker Sparebank do?
Marker Sparebank (formally Marker og Eidsberg Sparebank) is a Norwegian regional savings bank offering retail and commercial banking services including daily banking accounts, payment services, mortgages, consumer loans, auto loans, savings accounts, mutual fund investments, BSU youth housing savings, and pension savings. The bank also distributes insurance products (home, car, travel, contents, child, and pet insurance) and provides real estate brokerage referral services through a partnership with Aktiv Eiendomsmegling. Services are delivered through seven physical branches across Østfold county, digital banking platforms, and telephone support.
Is Marker Sparebank a public or private company?
Marker Sparebank is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Marker Sparebank founded?
Marker Sparebank was founded in -1. It employs 1 to 10 people.
Where is Marker Sparebank based?
Marker Sparebank is headquartered in Ørje, Norway, in the Europe region.
How does Marker Sparebank make money?
Five revenue lines are on record. Interest Income is the primary driver. The others are fee and Commission Income, insurance Products, savings and Investment Products and real Estate Agency Services.
Who are Marker Sparebank's main competitors?
Others on record are Aktiv Eiendomsmegling and Gjensidige. Broad incumbents are Sparebanken Sør, Sparebanken Vest, Sparebank 1 SR-Bank and DNB. BN Bank is listed as an emerging player. Direct peers are OBOS-banken, Skue Sparebank and Halden Sparebank.
Does Marker Sparebank have an API?
No public API is recorded for Marker Sparebank.
What industry is Marker Sparebank in?
Marker 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 FSAMAFAL, A2A Bill Pay & eInvoicing (Open Banking Enabled). Its NAICS code is 522180 and its SIC code is 6036.