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                                                                      Exhibit 23

                    CONSENT OF INDEPENDENT PUBLIC ACCOUNTANTS



As independent public accountants, we hereby consent to the incorporation by
reference in this Form S-8 Registration Statement Post-Effective Amendment of
our report dated January 21, 2000 included in Advanta Corp.'s Form 10-K for the
year ended December 31, 1999 and to all references to our Firm included in this
Form S-8 Registration Statement Post-Effective Amendment to S-8 File No.
333-04469.


/s/ Arthur Andersen LLP

Philadelphia, Pennsylvania
October 31, 2000