EXHIBIT 23.1

                          Independent Auditors' Consent

The Board of Directors
Advanta Corp.:

We consent to the incorporation by reference in the registration statement of
Advanta Corp. on Form S-8 related to the Advanta Corp. Employee Savings Plan of
our report dated March 24, 2003, relating to the consolidated balance sheet of
Advanta Corp. and subsidiaries as of December 31, 2002, and the related
consolidated statements of income, changes in stockholders' equity, and cash
flows for the year then ended, which report appears in the December 31, 2002
Form 10-K of Advanta Corp and of our report dated July 15, 2002, relating to the
statement of assets available for benefits of the Advanta Corp. Employee Savings
Plan as of December 31, 2001, and the related statement of changes in assets
available for benefits for the year ended December 31, 2001, and the related
supplemental schedule of assets held for investment purposes, which report
appears in the December 31, 2001 annual report on Form 11-K of the Advanta Corp.
Employee Savings Plan.

                                                                    /s/ KPMG LLP





Philadelphia, Pennsylvania
March 25, 2003