Advanzia Bank

Advanzia is one of the premier consumer finance banks in Europe, distinguished by strong profitability, disciplined risk management and a robust return on equity. As a leading European digital bank with a proven track record in consumer finance, Advanzia combines stable performance with controlled, sustainable growth rooted in simplicity, transparency and responsible lending.

Headquartered in Luxembourg, Advanzia is a European digital bank focused on accessible and user‑friendly credit and payment solutions for private customers, business partners and financial institutions across Europe. Through fully digital distribution, the Bank offers its own Mastercard Gold credit card alongside co‑branded, white‑label and Cards‑as‑a‑Service (CaaS) solutions delivered through an extensive partner network. Advanzia’s core markets are Germany, Luxembourg, Austria, Spain and Italy.

Founded in 2005 on a transparent “no‑fee” credit card proposition, Advanzia has developed into the largest issuer of revolving credit cards in Germany. Its branch‑free model and fully digital customer experience reflects its mission of making finance more inclusive and more accessible through simple, smart and user‑friendly solutions.

Advanzia ranks among Europe’s most profitable and fastest‑growing consumer finance banks. At the end of 2025, the Bank had 2.8 million credit cards in force, a gross loan balance of EUR 3.9 billion and a net profit of EUR 189 million. The Bank’s results reflect its operational resilience, disciplined risk governance and ongoing digital innovation. With 245 employees and operations headquartered in the carbon‑neutral Emerald headquarters, Advanzia combines strong financial performance with a clear commitment to responsible business practices.

Kistefos, Advanzia’s majority shareholder with a 61.3% stake, supports the Bank’s long‑term growth strategy and its continued development as a leading European digital banking platform.

For more information, please visit advanzia.com.