lantmnnen finans

What lantmnnen finans does

Lantmännen Finans AB is a Swedish authorized credit market company (auktoriserat kreditmarknadsbolag) supervised by Finansinspektionen, operating as a wholly-owned subsidiary of the Lantmännen agricultural cooperative. The company provides three core product lines: (1) savings accounts — e-kapitalkonto for private individuals and sole proprietors (1.70% interest, rising to 1.80% for Lantmännen cooperative members) and kapitalkonto for corporate entities (0.80% standard, 1.80% for member companies); (2) the Lantmännenkortet, a Mastercard-branded payment and credit card with fuel discounts at Circle K, OKQ8, and Preem stations, offered in private and business variants; and (3) farm financing (gårdsfinansiering) distributed through a partnership with Tillväxtbolaget. Revenue is generated primarily from the net interest spread on deposits, card transaction fees and credit interest, and partnership/referral economics from farm financing origination.

The technology stack is a conventional self-service digital banking platform with BankID-based authentication for account opening and login, web portals at e-kapital.lantmannenfinans.se and lantmannenkortet.lantmannenfinans.se, integration with BankGirot for deposits (bankgiro 866-5911), and Autogiro support for recurring deposits. The platform was migrated in February 2023 (Mina sidor migration). The company complies with GDPR and holds the regulatory authorization required to operate under Sweden's statutory deposit guarantee framework administered by Riksgälden, providing depositor protection up to 1,150,000 SEK.

The go-to-market is primarily direct-to-consumer via the web portal for savings, supplemented by phone-based customer service and the broader Lantmännen cooperative distribution network (17,000 Swedish farmer-members, 10,000+ group employees, 20+ countries). Customer concentration is deliberate and vertical — Swedish farmers, cooperative members, and green-industry workers are the primary targets. No revenue, headcount, deposit base, or funding round information is publicly disclosed for the Finans subsidiary.

Name

lantmnnen finans

Legal name

Lantmännen Finans AB

Website

https://lantmannenfinans.se

Company type

Private

Operating status

Operating

Short description

Lantmännen Finans AB is a Swedish authorized credit market company that offers savings accounts, the Lantmännenkortet Mastercard, and farm financing to members of the Lantmännen agricultural cooperative and Sweden's green-industry workforce.

Ownership category

akta.pro rank

Headquarters

HQ city

Stockholm

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, Infrastructure, Marketing or Sales

Revenue model

1. Savings account interest spread: Lantmännen Finans operates as a credit market company offering savings accounts (e-kapitalkonto, kapitalkonto) to individuals and businesses, generating revenue from the interest rate spread on deposited funds.
2. Lantmännenkortet credit card: Mastercard payment and credit card for green industry professionals, generating revenue from transaction fees and interest on credit balances.
3. Farm financing partnership: Partnership with Tillväxtbolaget for farm financing, likely generating referral or partnership fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Lantmännen Finans is an authorized Swedish credit market company offering savings accounts (e-kapitalkonto for private individuals and sole traders; kapitalkonto for companies), the Lantmännenkortet Mastercard payment and credit card with fuel discounts at Circle K, OKQ8 and Preem, and farm financing (Gårdsfinansiering) via a partnership with Tillväxtbolaget. Services are accessed online via BankID-authenticated self-service and are targeted at members of the Lantmännen cooperative and the broader Swedish green-industry workforce.

Product overview

Lantmännen Finans is an authorized credit market company and part of the Lantmännen Group, offering a unified financial services portfolio focused on the agricultural sector. The core product suite includes savings accounts (e-kapitalkonto and kapitalkonto) with competitive interest rates and deposit guarantees, the Lantmännenkortet Mastercard payment and credit card with fuel discounts at major Swedish stations, and farm financing through partnership with Tillväxtbolaget. The LM² digital platform complements these offerings with agricultural-specific functionality for grain trading, feed ordering, and spare parts procurement. Services are accessible online via BankID authentication, with separate offerings for private individuals, members, and business customers.

Differentiator

Problem solved

Functional benefit

Brands

• e-kapitalkonto: Digital savings account product offered to individuals and businesses with competitive interest rates
• kapitalkonto
• Lantmännenkortet

Products and services

• E-kapitalkonto Savings account for private individuals and sole traders (enskild firma) offering 1.70% interest from the first krona for non-members and 1.80% for members of Lantmännen Ekonomisk Förening. Includes unlimited fee-free withdrawals and state deposit guarantee up to 1,150,000 SEK. Accessed via BankID on the e-kapital web portal.
• Kapitalkonto företag Corporate savings account for Swedish companies (aktiebolag, handelsbolag, förening) — excluding sole traders — offering 0.80% interest from the first krona for non-members and 1.80% for member companies. Includes unlimited fee-free withdrawals, web-portal access, and state deposit guarantee coverage up to 1,150,000 SEK.
• Lantmännenkortet företag Business Mastercard payment and credit card for companies (aktiebolag) and sole traders within Sweden's green industries, featuring extra-high fuel discounts at Circle K, OKQ8 and Preem for agricultural operations. Includes consolidated monthly invoicing and acceptance at approximately 40 million Mastercard locations worldwide.
• Lantmännenkortet privat Private Mastercard payment and credit card for employees or members within Sweden's green industries and members of Granngården's customer club. Offers fuel discounts at Circle K, OKQ8 and Preem partner stations in Sweden, plus global Mastercard acceptance at approximately 40 million locations with consolidated monthly invoicing.
• Gårdsfinansiering Farm financing service provided in collaboration with Tillväxtbolaget, offering loans to Swedish agricultural businesses for sustainable investments. Tillväxtbolaget specialists work with customers and banks to facilitate the financing, positioning the offering within the Lantmännen cooperative's broader development, growth and profitability mandate for green industries.
• LM² Digital tool for farmers enabling grain trading, cash services (kassatjänster), feed ordering, and spare-parts ordering for agricultural machinery. Accessible on both mobile and desktop, and listed within the Lantmännen Finans product suite.

Quantifiable outcome

• Up to 1.80% interest rate for members from first krona deposited
• +2 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• TillväxtbolagetcoreStrategic or Co-development PartnerLantmännen Finans partners with Tillväxtbolaget to offer farm financing (gårdsfinansiering) to Swedish agricultural enterprises. Tillväxtbolaget specializes in financing farms and works with customers and banks to facilitate future investments in agricultural businesses. The partnership enables Lantmännen to contribute to development, growth, and profitability within green industries.
• MastercardcoreTechnology or IntegrationLantmännenkortet is a Mastercard-branded payment and credit card. The partnership enables card acceptance at approximately 40 million locations worldwide and provides the infrastructure for the card's payment processing.
• BankIDcoreTechnology or IntegrationBankID is used for secure customer authentication and login to Lantmännen Finans services including e-kapitalkonto, Lantmännenkortet, and account management.
• Riksgälden (Swedish National Debt Office)coreOthersAs an authorized credit market company, Lantmännen Finans deposits are covered by the statutory deposit guarantee administered by Riksgälden, providing protection up to 1,150,000 SEK per depositor.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Klarna: Swedish fintech giant in payments and consumer credit. Comparable as a large Swedish-headquartered fintech operating in payment-card and consumer-credit adjacencies, though at much larger scale and broader scope.
• Sparbanken (Swedish savings bank group): Federation of regional Swedish savings banks offering deposit accounts and lending. Comparable as part of the broader Swedish savings-bank ecosystem competing for retail deposits, though more geographically diversified and branch-based.

Direct peers

• IKANO Bank: IKEA-group-owned retail bank in the Nordics offering savings accounts, credit cards, and consumer lending. Comparable as a niche Swedish/Nordic challenger bank combining deposit products with branded payment cards for a defined community.
• SBAB Bank: Swedish state-owned bank focused on savings and mortgage lending, with a strong digital deposit franchise. Comparable as a Swedish credit institution competing for retail deposits via competitive rates and digital onboarding.
• Landshypotek Bank: Swedish agricultural-member-owned bank offering savings, mortgages, and financing to Swedish farmers. Highly comparable in target segment (Swedish farmers), cooperative ownership model, and product mix of deposits + agricultural lending.
• Avanza Bank: Sweden's leading online savings and brokerage platform, capturing retail deposits with rate-driven propositions. Comparable as a digital-first Swedish deposit-taker competing on interest rate transparency.
• Collector Bank: Swedish challenger bank offering savings accounts, credit cards, and consumer/payment services. Comparable as a Swedish credit-market-style institution combining deposits with branded card products.
• Resurs Bank: Nordic niche consumer-finance provider offering retail payment-card and lending solutions. Comparable as a Nordic non-depository-style credit institution with card and lending products tailored to a defined customer base.
• Nordnet: Nordic digital bank offering savings accounts, investments, and personal loans to retail customers across Sweden. Comparable as a digital savings competitor operating in the same Swedish retail deposit market.

Emerging players

• Sambla: Swedish personal-finance comparison and loan-brokerage platform that surfaces Swedish savings and loan products. Comparable as an adjacent Swedish fintech routing retail customers into savings/credit products in the same market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 lantmnnen finans