Marginalen Bank Bankaktiebolag

Marginalen Bank Bankaktiebolag is a Swedish retail bank headquartered in Stockholm and operating under authorization and supervision by Finansinspektionen. The bank focuses on consumer finance and deposit-taking, offering unsecured personal loans, credit cards, and savings products that include flexible accounts and fixed-term deposits. Deposits are covered by the Swedish deposit guarantee administered by Riksgälden up to the equivalent of EUR 100,000 per depositor and institution. Marginalen Bank delivers services primarily through digital channels, with internet and mobile banking supported by BankID authentication, and provides customer service by phone and online rather than a traditional branch network. The current business took shape after the acquisition of Citibank’s Swedish consumer operations in 2010 and is part of the Marginalen Group. Pricing on lending products is individualized following credit assessment, and early repayment is available under Swedish consumer credit rules; card products include an interest-free period when balances are paid on time and otherwise accrue interest and fees according to the disclosed terms. As a Swedish credit institution, the bank is subject to EU and national prudential, conduct, and consumer-protection regulations, including capital adequacy, disclosure, and anti–money laundering requirements. Services target customers resident in Sweden and are provided in Swedish, with product documentation and terms available on the bank’s website.