Regulation
Bjorels Bank subject to the same financial regulations as other banks in Denmark, including those under the Danish Financial Supervisory Authority (Finanstilsynet) and EU banking laws.
Financial Inclusion
Bjorels Bank provide services to individuals or small businesses that might be under served by larger commercial banks.
Customer-Centric Approach
Because the customers are also the owners, Bjorels Bank often have a stronger focus on customer service, transparency, and trust-building.
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At Bjorelsbank, we believe banking should serve people — not profit. Founded on cooperative principles, we are proud to be a member-owned financial institution dedicated to strengthening communities across Denmark.
As a cooperative bank, our customers are also our co-owners. This means every member has a voice in how we operate, with equal voting rights and a shared commitment to building a fair, transparent, and responsible financial system. Our profits are reinvested in our members, our services, and the local initiatives that matter most — not shareholders.
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- This structure ensures that the bank is run in the best interests of the community.
- We provide services to individuals or small businesses that might be underserved by larger commercial banks.
- Profits are not distributed to external shareholders.
- We often operate regionally, focusing on serving local communities rather than maximizing profits.
- Our operations often reflect local needs and values, helping to promote local economic development.
- Each member usually has one vote, regardless of the size of their deposits, adhering to the democratic principle of "one member, one vote."
- owned by their members (also called shareholders), who are typically the customers.
- Rooted in Danish values of trust, sustainability, and social responsibility, Bjorelsbank offers a full range of banking services tailored to individuals, families, and small businesses.
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Member Ownership
Bjorelsbank are owned by their members (also called shareholders), who are typically the customers.
Features
- owned by their members (also called shareholders), who are typically the customers.
- Each member usually has one vote, regardless of the size of their deposits, adhering to the democratic principle of "one member, one vote."
Governance Structure
Members elect a board of directors from among themselves to oversee bank management.
Features
- Members elect a board of directors from among themselves to oversee bank management.
- This structure ensures that the bank is run in the best interests of the community.
Profit Redistribution
Profits are not distributed to external shareholders.
Features
- Reinvested in the bank to improve services,
- Used to support local community projects, or Paid out as dividends to members.
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Whether you’re saving for the future, growing your business, or supporting a greener tomorrow, Bjorelsbank is here to help you thrive — not just as a customer, but as a partner in progress.
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Bjorelsbank is a Danish cooperative bank owned by its members. We offer a full range of personal and business banking services with a strong focus on transparency, sustainability, and community impact.
Unlike traditional banks, Bjorelsbank is owned and democratically governed by its members. Our goal isn’t to maximize profits for shareholders, but to create long-term value for our members and reinvest in local communities.
Anyone who opens an account with Bjorelsbank can become a member. As a member, you gain voting rights and a say in major decisions, including the election of our board of directors.
We offer a wide range of services, including:
- Personal and business accounts
- Savings and investment options
- Loans and mortgages
- Ethical and sustainable financial advice
- Digital and mobile banking
Yes. Bjorelsbank is regulated by the Danish Financial Supervisory Authority (Finanstilsynet) and is a member of the Danish Guarantee Fund for Depositors and Investors, ensuring your deposits are protected.
