Advanzia's Corporate Social Responsibility

Advanzia’s commitment to sustainability

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​We are a digital bank that offers accessible finance through user-friendly digital solutions. As a credit card and payment solutions provider, we are committed to responsible lending, reducing our carbon emissions, and providing a great place to work for our employees.
At Advanzia, we see responsibility as a cornerstone of our business strategy. Guided by our core values – simplicity, transparency, collaboration and sustainability – we are committed to integrating responsible and sustainable practices across our products, services, operations and workplace. ​​

​​Our sustainability strategy is built on four key pillars that guide us in how we operate and grow while contributing to a more inclusive, equitable and climate-conscious future.

Responsible business conduct

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Integrity and strong governance are essential to how we operate. Advanzia follows a robust compliance framework supported by clear policies on anti-money laundering, data protection, whistleblowing, diversity and conflict of interest.

In 2024, we completed our first Double Materiality Assessment (DMA) and mapped material issues against the European Sustainability Reporting Standards (ESRS). We are proactively integrating environmental, social and governance (ESG) considerations into our business and risk management strategies to prepare for evolving regulatory requirements.

Sustainable and digital credit card and payment solutions

As a digital bank operating across Europe, we continuously look for ways to make finance more accessible, efficient and sustainable. We combine digital innovation with environmental responsibility to deliver user-friendly, paperless solutions to our nearly 3 million customers.

Key initiatives include:

– Launch of a fully digital customer onboarding journey in Germany, Austria and Italy, replacing paper-based forms with secure e-signature, eID verification and online KYC checks.

– Introduction of a digital card, with a phased rollout across all markets, offering customers instant access while reducing plastic production.

– Extension of our card renewal cycle from three to five years, reducing plastic waste across our customer base.

– Transition to a cloud-native IT infrastructure, helping cut our carbon footprint while supporting secure and scalable operations.

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Advanzia, a responsible employer

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We believe that the wellbeing and development of our people are fundamental to our long-term success. We strive to offer an empowering, diverse and inclusive work environment where everyone can thrive.

Recent highlights:

– We moved into Emerald, one of the first zero-carbon office buildings in the Benelux, designed with sustainability and employee wellbeing in mind. It features ergonomic workspaces, natural materials, EV charging points and a free on-site gym.

– In 2024, we delivered 4 462 hours of training, including structured leadership and development programmes.

– Our first internal Health Day focused on stress, nutrition and mental wellbeing, complemented by free medical check-ups and wellness sessions.

– We offer flexible work arrangements, sabbaticals, part-time models and parental leave support to promote a healthy work-life balance.

We are proud to have a team of over 235 employees representing 34 nationalities, reflecting the international nature of our business and our inclusive hiring practices.

Positive impact

We’re committed to making a meaningful difference, both within and beyond the workplace. Our “Advanzia Plus” programme supports employee-led social and environmental initiatives. In 2024, we:

– Supported 20+ internal community projects, from wellness offers to charity baking and recycling initiatives.

– Offered two paid volunteering days per employee.

– Co-sponsored 30+ local and international social, cultural and sporting organisations.

– Continued “Payroll Giving”, where most staff round down their salary to donate to charity.

– Participated in the Luxembourg Business Run, ING Night Marathon, Pride Run, and other charity events.

Our everyday sustainability efforts include waste sorting certified by SuperDrecksKëscht, a hybrid work scheme to reduce commuting and subsidies for public transport.

Advanzia’s Sustainability Report

Our annual Sustainability Report lays out our environmental, social and governance (ESG) approach, the progress made to date, and our ambitions for the future.

Download Advanzia’s 2024 Sustainability Report (in English)