What the Project Is
Merkur stands as Denmark’s value-based financial institution, working for a better world for people, nature, and the environment. As a customer of Merkur, one finds an opportunity to shape a better everyday life for oneself and for the community. Originating in 1982, Merkur Andelskasse has been a pioneer in sustainable development and social responsibility within the banking sector—delivering not just the usual banking services, but much more. In a world where money is crucial for the future and where the 21st century demands ways to respect the planet’s limits, the institution channels every deposit toward creating positive changes. It is truly remarkable how, by simply banking with Merkur, funds can help shape tomorrow’s society while achieving security and growth today…
Main Benefit
Merkur not only provides traditional banking products like cards, accounts, and credit lines; it also delivers an extensive range of services such as housing advice, energy-efficient financing options, bike loans, and thoroughly screened investments – all embedded within a cooperative structure. The following key figures and facts highlight the main benefits:
- Deposit bank in Developed Markets industry with a B Corp score of 142.9
- Cooperative bank structure ensuring democratic ownership and one vote per member
- Commitment to impact investing, values-based banking, and social responsibility
- Active green lending strategies and projects that drive sustainable investing
- Membership in the Global Alliance for Banking on Values alongside over 60 like-minded banks, including Triodos
A Pioneer in Sustainable Banking
Merkur has been a trailblazer in sustainable banking since its inception. The cooperative bank embraces traditional financial products with an added layer of social and environmental responsibility. Every financial decision—from lending to investments—is carefully made to ensure that money is given value and meaning through supporting green and sustainability-oriented companies. Merkurs’ detailed transparency traces each loan to its beneficiary, allowing customers to see the tangible impact of their investments. This openness is instrumental in reinforcing trust and demonstrating that every transaction contributes to the major transition needed by our times.
Building a Value-Driven Community
The institution firmly believes that money should be more than numbers—it should reflect shared values and a commitment to a sustainable future. As a member-driven bank, Merkur is owned by customers and not anonymous shareholders, creating a strong community spirit. Members enjoy voting rights at the general assembly where every vote holds equal weight. Moreover, Merkur’s digital platforms and customer magazine share inspiring stories from around the world, showcasing how financial decisions lead to real-world benefits. This inspiring mix of community involvement and impact investing defines the spirit of value-driven banking.
From Cooperative Origins to Modern Impact
The history behind Merkur is as unique as its mission. Born out of a desire to help with small community projects—like funding a book or even buying extra cows for an organic farm—the evolution into a recognized cooperative bank began unexpectedly in 1985 due to EU harmonization of banking legislation. In just a few short decades, Merkur has grown into Denmark’s largest value-based financial institution, financing sustainable companies such as Thise Dairy and opening up new opportunities through impact loans. The journey from grassroots cooperation to impactful modern banking underscores Merkur’s ability to adapt while staying true to its core values.
The Project Impact
- SDG 7: Affordable and Clean Energy – Providing financial solutions for energy-efficient homes and electric cars
- SDG 9: Industry, Innovation, and Infrastructure – Supporting sustainable companies and green technologies
- SDG 11: Sustainable Cities and Communities – Financing projects that create energy-efficient housing and urban development
- SDG 13: Climate Action – Lending to initiatives that address environmental challenges and climate change
- SDG 17: Partnerships for the Goals – Collaborating within the Global Alliance for Banking on Values to promote ethical banking worldwide
A Future Aligned with Values
Merkur continues to inspire confidence and positive change, drawing on decades of experience in cooperative, social responsibility, and sustainability practices. With every share purchased, customers not only receive a continuous return but also become co-owners of the institution—a unique blend of investment and community engagement. Whether it is assisting with wills through the Merkur Foundation or financing innovations that drive the green transition, Merkur offers a comprehensive range of products aligned with global sustainable goals. In a rapidly changing world where the financial sector plays a critical role in building the future, Merkur stands as a living example of how values-based banking can truly give money meaning—and in doing so, prepare society for a sustainable future.
