Ulricehamns Sparbank
- Company typePrivate
- Founded1852
- HeadquartersUlricehamn, Sweden
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
Ulricehamns Sparbank firmographics
Firmographics- Name
- Ulricehamns Sparbank
- Legal name
- Ulricehamns Sparbank
- Website
- https://ulricehamnssparbank.se
- Company type
- Private
- Founded year
- 1852
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Where Ulricehamns Sparbank is headquartered
LocationHeadquarters
- HQ city
- Ulricehamn
- HQ country
- Sweden
- HQ region
- Europe
Offices1 record
Markets served
Ulricehamns Sparbank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Net Interest Income: As a savings bank, Ulricehamns Sparbank earns revenue primarily from the spread between interest earned on loans (mortgages, personal loans, business loans) and interest paid on deposits and savings accounts.
- Account and Package Fees: Revenue from account management fees including Nyckelkund package (540 SEK/year), individual service fees, and banking packages for youth and students.
- Card Fees: Annual fees for debit and credit cards including Mastercard, and transaction fees on card payments.
- Advisory and Wealth Management Services: Revenue from Private Banking, Premium advisory service, fund management, and investment advisory for individuals and businesses.
- Insurance Distribution: Commission revenue from distribution of home, vehicle, and personal insurance products. Tre Kronor Försäkring AB is the insurance provider. Discounts on insurance are offered to Nyckelkund customers (up to 30% on home, 20% on vehicle insurance).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Nyckelkund - bundled package of everyday banking services |
| Subscription | Annual | Premium Advisory Service - recurring personal advisory |
| Subscription | Annual | Private Banking - wealth management for high-net-worth individuals |
| Freemium | Monthly | Youth 18-21 and Students - free banking package |
| Freemium | Monthly | Children 0-17 - free banking services |
| Unit Pricing | Pay-as-you-go | Bankkort Mastercard ung |
| Transaction based/ take rate | Monthly | Betal- och kreditkort Mastercard (credit card) |
| Freemium | Monthly | Mobilt BankID |
| Freemium | Annual | UF-företag (Young Entrepreneurship Business) - first year free |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels9 records
Ulricehamns Sparbank product offering
Product offeringCore offering
Ulricehamns Sparbank is a local Swedish savings bank that offers retail and corporate banking, lending, savings, payments, insurance, pensions, and Private Banking services to individuals, SMEs, and high-net-worth clients in the Ulricehamn region. Its offerings include checking and savings accounts, Mastercard debit and credit cards, mortgages and personal loans, investment funds and ISK accounts, pensions, insurance distribution, business banking, and legal services, delivered through a physical office plus digital channels including the Sparbanken Privat app, internet bank, Mobilt BankID, and Swish.
Product overview
Ulricehamns Sparbank is a Swedish regional savings bank offering a comprehensive banking platform with multiple integrated products and services. The core offering centers on deposit accounts (Privatkonto, Sparkonton), card products (Bankkort Mastercard, Betal- och kreditkort Mastercard, Bankkort Mastercard ung), lending solutions (Bolån, Privatlån, Företagslån), and savings/investment products (Investeringssparkonto, Fonder, Pension). Digital services are provided through Sparbanken Privat app, Internetbanken, Mobilt BankID, and Swish, with security reinforced via Säkerhetsdosa. The bank differentiates through customer packages: Nyckelkund bundles everyday services for 540 SEK/year, while Premium and Private Banking offer enhanced advisory services. Youth services include specialized offerings for children (0-17), young adults (18-21), and UF entrepreneurs. The bank also provides business banking, insurance products, and legal services, operating as part of the Swedbank and Sparbankerna network.
Differentiator
Problem solved
Functional benefit
Products and services
- Privatkonto
- Bankkort Mastercard
- Betal- och kreditkort Mastercard
- Bankkort Mastercard ung
- Bolån
- Privatlån
- Sparkonton (Ulricehamnskonto, Fasträntekonto, regular savings)
- Investeringssparkonto (ISK)
- Fonder
- Pension (allmän, tjänstepension, private)
- Försäkringar (hem, fordon, person, arbetslöshet)
- Sparbanken Privat (mobile app)
- Internetbanken
- Mobilt BankID
- Swish
- Säkerhetsdosa (safety token)
- Private Banking
- UF-kund (Ung Företagsamhet business banking)
- Barn och unga (0–17 år) banking services
- Företagskonton
- Företagslån (including leasing, factoring, fleet leasing)
- Tjänstepension (occupational pension for businesses)
- Juridiska tjänster (Sparbanksjurist)
Quantifiable outcome
- 14 million SEK grant awarded to local cultural project through Sparbanksfonden Ulrica
Companies that use Ulricehamns Sparbank
Customer profileSegments7 records
Ideal customer profiles5 records
Ulricehamns Sparbank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature6 records
Ulricehamns Sparbank partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- SwedbankcoreUlricehamns Sparbank is part of the Swedbank and Sparbankerna group. The partnership provides shared digital banking infrastructure including the Sparbanken Privat app, internet bank, BankID, Swish, and other core banking technology platforms. The bank operates under its own local brand while leveraging Swedbank's technology and product ecosystem.
- MastercardcoreMastercard is the card network for Ulricehamns Sparbank's debit and credit cards including Bankkort Mastercard, Bankkort Mastercard ung, and Betal- och kreditkort Mastercard. The bank also integrates Mastercard credit card insurance benefits and Priceless experience platform for Nyckelkund customers.
- Ung Företagsamhet (UF)coreSwedbank and the Sparbankerna group partner with Ung Företagsamhet (Young Entrepreneurship) to teach young people about entrepreneurship. Ulricehamns Sparbank specifically offers free UF business banking services and Peter Arnesson serves as the dedicated contact person for UF businesses.
- Tre Kronor Försäkring ABcoreTre Kronor Försäkring AB is the insurance provider for home, vehicle, and personal insurance products distributed through Ulricehamns Sparbank. Nyckelkund customers receive discounts of up to 30% on home insurance and up to 20% on vehicle insurance.
- Finansiell ID-teknik (BID)coreBID is the company that owns and manages BankID, the national Swedish digital identity system used by Ulricehamns Sparbank customers for login, signing, and identification across banking, government, and commercial services.
- SwishcoreSwish is the instant mobile payment service co-owned by Swedish banks. Ulricehamns Sparbank offers Swish for both private individuals and businesses, enabling instant payments via mobile number.
- BankomatminorBankomat is Sweden's ATM network. Bankomater (cash machines) are available for cash withdrawals and deposits for Ulricehamns Sparbank customers.
Scale indicators3 records
Recent moves7 records
Expansion highlights6 records
Ulricehamns Sparbank competitors and assessment
Company assessmentBroad incumbents
- Nordea: Largest Nordic bank with extensive retail and corporate operations in Sweden. Comparable to Ulricehamns Sparbank as a provider of mortgages, savings, and advisory services to Swedish consumers across urban and regional markets.
- Handelsbanken: Major Swedish bank with a strong regional branch model and relationship banking focus. Comparable to Ulricehamns Sparbank as a Swedish retail and corporate bank emphasizing local decision-making, though operating at much larger national scale.
- Swedbank: Parent institution of the Sparbankerna network; provides Ulricehamns Sparbank with shared digital infrastructure (Sparbanken Privat app, BankID, Swish), product platforms, and brand association. Directly comparable as a major Swedish retail and corporate bank with extensive branch network and similar product portfolio.
- SEB: Major Swedish universal bank offering retail, corporate, and wealth management services. Comparable to Ulricehamns Sparbank as a provider of Private Banking and investment advisory services to Swedish customers.
Direct peers
- ICA Banken: Swedish retail-focused bank affiliated with the ICA Sverige grocery chain. Comparable to Ulricehamns Sparbank as a retail bank serving Swedish consumers with everyday banking products, savings accounts, and loyalty-linked services.
- Sparbanken Syd: Swedish community savings bank operating under the same Sparbankerna franchise model as Ulricehamns Sparbank. Directly comparable in mission, product set, and local community banking approach, though serving southern Sweden. Operates with the same Swedbank partnership infrastructure.
- Länsförsäkringar Bank: Swedish bank-insurance hybrid with regional roots and community focus. Comparable to Ulricehamns Sparbank as a retail bank offering banking combined with insurance distribution, similar to Ulricehamns Sparbank's relationship with Tre Kronor Försäkring.
- Skandiabanken: Swedish bank (part of Skandia) specializing in savings, investments, and pensions. Comparable to Ulricehamns Sparbank as a Swedish retail wealth and savings provider with similar product focus on ISK accounts, funds, and pension products.
Emerging players
- Klarna: Swedish fintech offering payments, banking, and shopping services. Competes with Ulricehamns Sparbank for younger Swedish customers seeking digital-first banking experiences and challenges traditional community bank relationships.
- Lunar: Nordic digital challenger bank serving Denmark and Sweden. Competes with Ulricehamns Sparbank for digitally-native Swedish retail customers through mobile-first banking experiences and modern interfaces.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Ulricehamns Sparbank social profiles
Digital presenceUlricehamns Sparbank compliance and trust
Trust signalCompliance2 records
Ulricehamns Sparbank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Ulricehamns Sparbank leadership team
Management profileNumber of profiles
Ulricehamns Sparbank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Ulricehamns Sparbank 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 Ulricehamns Sparbank
What does Ulricehamns Sparbank do?
Ulricehamns Sparbank is a local Swedish savings bank that offers retail and corporate banking, lending, savings, payments, insurance, pensions, and Private Banking services to individuals, SMEs, and high-net-worth clients in the Ulricehamn region. Its offerings include checking and savings accounts, Mastercard debit and credit cards, mortgages and personal loans, investment funds and ISK accounts, pensions, insurance distribution, business banking, and legal services, delivered through a physical office plus digital channels including the Sparbanken Privat app, internet bank, Mobilt BankID, and Swish.
Is Ulricehamns Sparbank a public or private company?
Ulricehamns Sparbank is a private company. It is classified as unknown and is currently operating.
When was Ulricehamns Sparbank founded?
Ulricehamns Sparbank was founded in 1852. It employs 11 to 50 people.
Where is Ulricehamns Sparbank based?
Ulricehamns Sparbank is headquartered in Ulricehamn, Sweden, in the Europe region.
How does Ulricehamns Sparbank make money?
Five revenue lines are on record. Net Interest Income is the primary driver. The others are account and Package Fees, card Fees, advisory and Wealth Management Services and insurance Distribution.
Who are Ulricehamns Sparbank's main competitors?
Broad incumbents on record are Nordea, Handelsbanken, Swedbank and SEB. Direct peers are ICA Banken, Sparbanken Syd, Länsförsäkringar Bank and Skandiabanken. Emerging players are Klarna and Lunar.
Does Ulricehamns Sparbank have an API?
No public API is recorded for Ulricehamns Sparbank.