Tidaholms Sparbank

What Tidaholms Sparbank does

Tidaholms Sparbank is a Swedish regional savings bank (sparbank) founded in 1902 and headquartered in Tidaholm, Västra Götaland, Sweden. It operates as an independent private institution with 51-100 employees across three physical offices, serving private individuals and business customers in the local Tidaholm catchment area. The bank offers a full suite of retail and SMB banking products including deposit accounts (fixed-term Fasträntekonto, Sparkonto Plus, tiered Tidaholmskontot), mortgage lending (Bolån), consumer loans (Billån, Fritidslån), three tiers of Mastercard credit cards, and ISK investment accounts. Insurance products (car, snowmobile, caravan, trailer, motorhome, light truck) are distributed on an intermediary basis through Tre Kronor Försäkring AB.

The bank's technology stack is provided through Swedbank AB, encompassing the internet banking platform, mobile banking app, BankID authentication, and Swish payment integration. Credit cards are issued and underwritten by Entercard Group AB, with complementary card insurance supplied by Trygg Hansa. In-house digital features include Utgiftskollen (expense categorization) and Abonnemangshjälpen (subscription management) within the mobile app. The bank operates on Swedbank-hosted infrastructure, with no proprietary core banking platform.

Revenue is generated primarily through net interest income on lending products (mortgages, car loans, recreational vehicle loans), supplemented by account and transaction fees, insurance distribution commissions from Tre Kronor Försäkring, investment and fund management services, and credit card revenue sharing with Entercard. Pricing is tiered, with a Nyckelkund premium customer segment offering fee discounts (e.g., lower car loan setup fees). The bank reinvests profits locally rather than distributing to external shareholders, consistent with the Swedish savings bank model.

Name

Tidaholms Sparbank

Legal name

Tidaholms Sparbank (publ)

Website

https://tidaholms-sparbank.se

Company type

Private

Founded year

1902

Operating status

Operating

Headcount range

51–100 employees

Short description

Tidaholms Sparbank is an independent Swedish regional savings bank founded in 1902, serving private and business customers in the Tidaholm area through three physical offices, offering deposits, mortgages, consumer loans, credit cards, and insurance distribution via Swedbank and partner infrastructure.

Ownership category

akta.pro rank

Headquarters

HQ city

Tidaholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Net Interest Income: Interest income from lending activities including mortgages, personal loans, car loans, and other credit facilities. Interest rates vary by product type and term length.
2. Account and Transaction Fees: Fees from account management, payment transactions, wire transfers, and other banking services.
3. Insurance Distribution Commission: Commission revenue from distributing insurance products including vehicle insurance (via Tre Kronor Försäkring), home insurance, and personal insurance through the bank's channels.
4. Investment and Fund Management Services: Revenue from managing investment accounts (ISK), fund distribution, and securities trading services.
5. Credit Card Operations: Revenue sharing arrangement with Entercard Group AB for credit card issuance and management, including interchange fees and interest on revolving balances.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Tidaholms Sparbank is a regional Swedish savings bank providing retail and commercial banking services including deposit accounts (fixed-rate and variable savings), lending products (mortgages, car loans, recreational vehicle loans), Mastercard credit cards in three tiers, insurance distribution (vehicle, home, and personal lines), investment and fund management services, and pension advisory. The bank operates three physical offices in the Tidaholm area complemented by internet banking, a mobile app, and telephone banking, serving both private individuals and local businesses in the Västra Götaland region.

Product overview

Tidaholms Sparbank is a Swedish regional savings bank offering a comprehensive suite of banking products and services. The core portfolio includes deposit products (Fasträntekonto with fixed terms, Sparkonto Plus with fraud protection, Tidaholmskontot with tiered interest), loan products (Bolån/mortgages, Billån/car loans with Green car discount for EVs, Fritidslån for recreational vehicles, and personal loans), credit cards (Mastercard in three tiers: standard, Gold, and Platinum with varying credit limits and benefits), and insurance products (car, snowmobile, caravan, trailer, and motorhome insurance via Tre Kronor Försäkring). Digital services include mobile app with expense tracking (Utgiftskollen), subscription management (Abonnemangshjälpen), Swish payments, Mobilt BankID authentication, and account registry services. The bank operates through Swedbank's infrastructure and technology platform.

Differentiator

Problem solved

Functional benefit

Products and services

• Fasträntekonto (Fixed-Rate Savings Account)
• Sparkonto Plus (Savings Account with Fraud Protection)
• Tidaholmskontot (Regular Savings Account)
• Bolån (Mortgage Loan)
• Billån (Car Loan)
• Fritidslån (Recreational Vehicle Loan)
• Mastercard Standard Credit Card
• Mastercard Gold Credit Card
• Mastercard Platinum Credit Card
• Bilförsäkring (Car Insurance)
• Snöskoterförsäkring (Snowmobile Insurance)
• Husvagnsförsäkring (Caravan Insurance)
• Släpvagnsförsäkring (Trailer Insurance)
• Husbilsförsäkring (Motorhome Insurance)
• Lätt lastbilsförsäkring (Light Truck Insurance)

Quantifiable outcome

• 6 consecutive years as 'Sweden's most satisfied customers' in SKI Bank survey
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core.

• Entercard Group ABcoreTechnology or IntegrationEntercard Group AB is the credit card issuer and credit provider for all Mastercard payment and credit cards offered through Tidaholms Sparbank. Swedbank AB and the savings banks collaborate with Entercard Group AB as credit intermediaries for the credit cards. The partnership enables the bank to offer credit cards without bearing the credit risk.
• Tre Kronor Försäkring ABcoreTechnology or IntegrationTre Kronor Försäkring AB (a company owned by Folksam) is the insurance provider for vehicle insurance products distributed by Tidaholms Sparbank. The bank acts as insurance intermediary. The partnership provides car insurance, motorhome insurance, caravan insurance, snowmobile insurance, and trailer insurance products.
• Swedbank ABcoreTechnology or IntegrationTidaholms Sparbank uses Swedbank's banking infrastructure including internet banking platform, mobile banking app, BankID authentication system, and Swish payment services. The partnership provides the technological foundation for the bank's digital banking operations.
• Swedish Savings Banks (Sparbankerna)coreStrategic or Co-development PartnerTidaholms Sparbank is part of the Swedish Savings Banks network, sharing common branding, technology platforms, and cooperative marketing. They collectively received the SKI Bank 2025 award for most satisfied customers for six consecutive years.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Nordea: Largest Nordic bank with extensive Swedish retail and business banking presence. Competes for the same Tidaholm-area mortgages, savings, and SMB customers, but at much larger scale and with broader digital capabilities.
• Swedbank: The largest savings bank group in Sweden and the anchor technology partner for Tidaholms Sparbank. Swedbank provides the digital banking infrastructure (internet bank, mobile app, BankID, Swish) that Tidaholms Sparbank uses, making it both a partner and a broader competitor in the same savings bank ecosystem.
• Handelsbanken: Major Swedish bank known for its decentralized, relationship-driven branch model that closely mirrors Tidaholms Sparbank's local-decision-making philosophy. Competes for the same regional Swedish retail and business banking customers but at far larger scale.
• Länsförsäkringar Bank: Swedish bank owned by regional insurance companies, operating a regional branch-based model with deep local ties. Closely comparable to Tidaholms Sparbank in its combination of regional presence, insurance distribution, and community-oriented banking.

Direct peers

• Ikano Bank: Swedish challenger bank owned by IKEA Group, offering consumer loans, credit cards, and savings. Comparable in offering car loans and consumer credit, with a similar approach to sustainable lending (green car discounts mirror Tidaholms Sparbank's EV rate discount).
• Sparbanken Nord: Another Swedish independent savings bank operating in a regional/multi-office model within the broader Sparbankerna network. Directly comparable in business model (deposits, mortgages, insurance distribution) and customer targeting (regional retail and SMB).
• Sparbanken Skåne: Swedish regional savings bank operating within the Sparbankerna network, offering comparable products (deposits, mortgages, insurance distribution) to a regional Swedish customer base. Closely analogous in size, structure, and product menu.
• Sparbanken Lidköping: Small Swedish savings bank in the Västra Götaland region, serving a similarly sized local community with retail and business banking. Direct comparable in scale, geographic profile, and product menu within the Sparbankerna network.

Emerging players

• Klarna: Swedish fintech offering payments, consumer credit, and increasingly banking services. Represents the digital-native competitive threat to traditional savings banks like Tidaholms Sparbank, particularly for younger retail customers and SMBs in Sweden.

Regional players

• Svea Bank: Swedish niche bank focused on SMB lending, invoice factoring, and consumer credit. Comparable in small-scale Swedish financial services with a focus on lending and partner-based product distribution, though oriented more to SMBs than retail.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/TidaholmsSparbank
• LinkedInlinkedin.com/company/tidaholms-sparbank
• Instagraminstagram.com/tidaholms_sparbank

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 Tidaholms Sparbank