ICA Banken Credit and Loan Information

ICA Banken offers a range of credit and loan options to suit different needs.

Their personal loans can be used for various purposes, such as consolidating debt, financing a big purchase, or covering unexpected expenses.

ICA Banken's credit cards have no foreign transaction fees, making them a convenient option for international travel.

They also offer credit cards with rewards programs, allowing customers to earn points or cashback on their purchases.

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ICA Banken offers a wide range of banking services to its customers. They provide everyday banking services such as current accounts, savings accounts, and credit cards.

You can manage your finances with their online banking service, which is available 24/7. This service allows you to check your account balance, pay bills, and transfer money.

ICA Banken also offers a mobile banking app that lets you bank on the go. The app is available for both iOS and Android devices.

Their customer service team is available to help with any banking queries or issues you may have.

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ICA Banken offers a range of banking services, including personal banking, corporate banking, and asset management.

The bank has a strong presence in Sweden, with over 100 branches across the country.

ICA Banken's personal banking services include a variety of accounts, such as current accounts, savings accounts, and credit cards.

The package name for ICA Banken is se.icabanken.

This app is free to download and use.

ICA Banken is available on the Android operating system.

The category for this app is finance.

The language supported by ICA Banken is English.

ICA Banken AB is the author of this app.

As of February 2, 2025, the app has been downloaded 5,025 times.

The content rating for ICA Banken is +3.

The app does not specify if it contains advertisements.

Here is a summary of the app's details:

Ica Banken is a full-service bank that offers a range of services, including different bank cards, salary accounts, mortgages, loans without collateral, and savings in funds and insurance. They also provide the option to deposit and withdraw cash in almost all Ica stores.

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Their services can be accessed through their website, mobile app, and phone, making it convenient for customers to manage their banking needs. Ica Banken is primarily focused on serving private customers and can be characterized as a niche bank.

The bank has its headquarters in Solna and a customer center in Borås. Ica Banken also operates Ica's cash withdrawal machines for cash withdrawals.

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Ica Banken operates around 450 cash withdrawal machines, primarily as a service to their customers and often located near Ica stores.

These machines accept various credit and debit cards, including MasterCard, Visa, Maestro, and Electron.

There are currently eight machines that don't have a direct connection to an Ica store.

Ica Banken's cash withdrawal machines are designed to provide a convenient service to their customers.

ICA Banken's interest rate history is a fascinating topic. The bank's interest rates have fluctuated over the years, with some notable changes.

One of the most significant changes occurred on 2023-09-12, when the interest rate range dropped from 14.95% to 6.44 - 14.95%. This change might have been a response to market conditions or economic trends.

The interest rate range has also varied over time, with the highest range being 15.95% in 2025-01-16, 2024-11-26, 2024-10-09, 2024-09-05, 2023-12-11, and 2023-10-03. These dates are worth noting for anyone considering a loan or savings account with ICA Banken.

Here's a list of some of the key dates and interest rate ranges:

These dates and interest rates are important to consider when making financial decisions with ICA Banken.

Utbetalning från ICA Banken är en process som kan ta olika lång tid beroende på hur du signerar. Det tar normalt ca 2 bankdagar innan du har pengarna på kontot om du signerar med BankID.

Om du inte kan betala tillbaka lånet inom den löptid som är avtalad kommer det tillkomma extra avgifter + dröjsmålsränta. Hos ICA Banken gäller följande kostnader.

ICA Banken offers a range of lending options, including privatlån, kontokredit, kreditkort, bolån, and sparkonto. You can also purchase försäkringar through them.

The bank provides loans with a loan amount of 20,000 - 500,000 kr, a loan period of 3 - 12 years, and an interest rate of 5.99 - 15.95% rörlig. The effective interest rate ranges from 6.16 - 17.17%.

Here are the types of loans offered by ICA Banken:

ICA Banken's application process is surprisingly easy and straightforward. You can apply for a loan directly online with BankID, making the process quick and hassle-free.

The application process is designed to be user-friendly, with clear instructions and no hidden tricks. This makes it easy to opt out of any unwanted insurance options and understand the payment plan.

According to a satisfied customer, the app is very nice and easy to access, making it a great option for those in need of a loan quickly. In fact, the customer was impressed with the fast service, receiving the loan in just 24 hours.

Here are the steps to apply for a loan with ICA Banken:

It's worth noting that ICA Banken also offers its services through loan mediators, making it easier to compare loan offers from different lenders.

ICA Banken offers a range of lending options with varying loan amounts and interest rates. You can borrow between 20,000 and 500,000 kr, with interest rates ranging from 5.99% to 15.95% per year.

To qualify for a loan, you must be over 18 years old and have an annual income of at least 240,000 kr. You should also have no payment defaults and pass a standard credit check.

ICA Banken's loan terms can vary, but you can expect to repay the loan over 3 to 12 years. The effective interest rate can range from 6.16% to 17.17% per year.

Here are some key features of ICA Banken's loans:

It's essential to review ICA Banken's loan terms and conditions, including their SEKKI, before applying for a loan. You can also consider alternative loan options through their partner lenders.

ICA Banken offers a loan protection plan called Låneskydd Plus, which can provide up to 20,000 kr per month for up to 12 months in case of involuntary unemployment, illness, or death. However, this protection plan comes with an additional cost of 7.95% per month of the loan amount.

ICA Banken's loan application process is straightforward, and you can apply online with BankID. Once approved, you can expect the loan amount to be transferred to your account within 24 hours.

ICA Banken uses a credit scoring system to assess your creditworthiness. They conduct a credit check via UC to evaluate your creditworthiness and determine whether to approve or reject your loan application.

The credit check is based on a classification from weak to excellent. This classification is used to determine the interest rate you'll be charged if your application is approved.

UC uses a risk prognosis to determine the likelihood of you repaying the loan. The risk prognosis ranges from 0.1% to 100%.

Here's a breakdown of the credit scoring system used by UC:

ICA Banken applies individual interest rates, taking into account the credit score you've been assigned by UC and the risk prognosis.

ICA Banken offers a range of credit cards that can make your purchases both cheaper and more secure. With their kreditkort, you can get bonuses of up to 2% on purchases made at ICA and Apoteket Hjärtat, and enjoy a generous all-risk insurance on home electronics purchases.

The ICA Banken kreditkort has a credit limit of 100,000 kr and an annual fee of 420 kr. You can also get up to 60 days of interest-free credit. It's worth noting that the credit card charges an annual interest rate of 14.30%.

You can use your ICA Banken kreditkort to make contactless payments with Apple Pay or Google Pay, and you can even get an extra card for 288 kr/year.

ICAs kreditkort is a great option for those who shop at ICA or Apoteket Hjärtat. With it, you can earn a bonus of up to 2% on your purchases.

Inköp av hemelektronik is covered by a generous allriskförsäkring, giving you extra protection on your electronics purchases.

Credit cards can be a convenient way to make purchases, but it's essential to understand the terms and conditions. ICA Banken's credit card, for example, has a credit limit of 100,000 kr.

The annual fee for this credit card is 420 kr, which might seem reasonable. However, you should also consider the annual interest rate, which is 14.30%.

If you're unable to pay your balance on time, be aware that you'll be charged interest. In this case, the effective interest rate would be 15.28% if you only pay 20,000 kr in 12 months.

To avoid extra charges, it's best to pay your balance in full each month. If you do need to borrow money, ICA Banken offers a räntefri kredit (interest-free credit) of up to 60 days.

Some credit cards also offer additional features like Apple Pay or Google Pay, but ICA Banken's credit card does not support these services.

Here's a summary of the key features of ICA Banken's credit card:

ICA Banken offers a range of rewards and benefits that make it a great choice for cardholders. You can link any credit card to their bonus program, not just an ICA credit card, and earn bonus points automatically.

With ICA Banken, you can earn "dubbelbonus" by paying with one of their credit cards, but you need to make the payment with one of their credit cards to qualify.

Their rewards and benefits include an extra guarantee year on home electronics and appliances, on top of the standard warranty provided by the seller. This guarantee can last up to 3 years from the date of purchase.

You can link any credit card to the ICA bonus program, not just an ICA credit card, and earn bonus points automatically when you pay with that card.

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This means you can accumulate bonus points at ICA while also earning points through another card's bonus program.

To get the "double bonus", you need to make the payment with one of ICA's credit cards.

By linking a non-ICA credit card, you can earn bonus points more easily, without having to switch between cards or programs.

It's worth noting that this flexibility can be really convenient, especially if you have multiple credit cards or loyalty programs.

One of the best perks of ICA's kreditkort is that it includes a built-in travel insurance, which covers Avbeställningsskydd, Självrisk på Hyrbil, Bärgning & Assistans, Missat Anslutningsflyg, Resestart, and Försening av bagage eller allmänt färdmedel.

This travel insurance is automatically activated if your trip is paid for with the card and you've paid at least 75% of the cost.

Another advantage of ICA's kreditkort is that they don't charge any withdrawal fees when taking out money abroad.

This is a big plus, especially in countries where credit card payments aren't as widely accepted as they are in Sweden.

You can reach ICA Banken through their website, which is located at www.icabanken.se. You can also contact them by phone at 033 47 47 90 or by email at [email protected].

Their physical address is ICA Banken, Box 4075, 169 04 Solna. The bank's customer service is available Monday to Friday from 08:00 to 20:00 and on Saturday and Sunday from 10:00 to 15:00.

If you need help with a question or issue, you can check the bank's website for their list of frequently asked questions.

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As you're looking for information on contact and support, it's essential to know what other customers have to say about ICA Banken's services.

The rating from Kreditkoll is based on five key factors, which you can review below.

Here are the five factors that Kreditkoll considers when evaluating ICA Banken:

ICA Banken's customer service is available during certain hours, and you can contact them through various channels. However, it's crucial to note that the availability and responsiveness of their customer service may vary.

You should also be aware that the beviljandegrad, or approval rate, of ICA Banken can vary depending on individual circumstances.