EXHIBIT 99.2

                            CERTIFICATION PURSUANT TO
                             18 U.S.C. SECTION 1350,
                             AS ADOPTED PURSUANT TO
                  SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

         In connection with the Annual Report on Form 11-K of Advanta Corp.
Employee Savings Plan (the "Plan") for the year ended December 31, 2002 as filed
with the Securities and Exchange Commission on the date hereof (the "Report"),
I, Philip M. Browne, Chief Financial Officer of Advanta Corp., certify, pursuant
to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the
Sarbanes-Oxley Act of 2002, that:

         (1)      the Report fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934; and

         (2)      the information contained in the Report fairly presents, in
                  all material respects, the financial condition and result of
                  operations of the Plan.


/s/ Philip M. Browne
--------------------
Philip M. Browne
Chief Financial Officer, Advanta Corp.
June 16, 2003



A signed original of this written statement required by Section 906 has been
provided to Advanta Corp. and will be retained by Advanta Corp. and furnished to
the Securities and Exchange Commission or its staff upon request.