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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 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.


/s/ Arthur Andersen LLP

Philadelphia, Pennsylvania
October 31, 2000