Marginalen Bank

Born from our passion to bolster financial margins for both individuals and businesses, we have been the architects of Marginalen Bank's journey, a journey defined by organic growth, innovation, and decisive action.

Rooted in our shared history since the early 90s, Marginalen Bank, as is it today, was formed in 2010 when we navigated the acquisition of Citibank's Swedish consumer bank. This strategic move underlined our commitment to pushing boundaries and catalyzed Marginalen Bank's transformation into the robust financial institution it is today.

Through Marginalen Bank, we are proud to serve approximately 300,000 customers with a passionate and dedicated team of 300 employees. Operating under the watchful eye of the Swedish Financial Supervisory Authority and protected by the deposit guarantee, Marginalen Bank stands as a testament to our ethos of ensuring safety, reliability, and profitability. Achieving ISO certification further underlines our commitment to quality and operational excellence.

From the ESCO perspective, we have always championed the idea that those who trust us with their savings should benefit from their investments. Marginalen Bank, therefore, offers competitive savings accounts, reflecting our ambition to create and share value with our customers.

We see simplicity and transparency in financial products as catalysts for transformative change. From this viewpoint, we have empowered Marginalen Bank to provide personal loans and the unique Restart Loan, offering individuals the opportunity for a financial fresh start.

As part of our continuous innovation, Marginalen Bank's credit cards are designed not just as payment instruments, but as tools that add value to our customers' lives through comprehensive insurance coverage and rewarding programs.

With our entrepreneurial roots, we recognize the challenges and rewards of business growth. This understanding informs the suite of financial and administrative services Marginalen Bank offers to entrepreneurs. From growth financing and invoice financing to business loans, leasing, and installment services, we are committed to supporting the entrepreneurial journey, fostering growth, and nurturing dreams into reality.

In essence, Marginalen Bank represents more than just a financial institution; it embodies our vision at ESCO. A vision of financial transformation, of turning dreams into reality, and creating enduring impact by continuously pushing the boundaries of what's possible. It is in Marginalen Bank's success that we see the fruits of our mission and the promise of an even brighter future.