Price list

Price list for personal customers.


Payments

  • Fri Bruk and Ung

    NOK 0

    Ordinary price

    NOK 3

    Flexiloan

    NOK 5

    Cancel or stop payment order

    NOK 5

    Start stopped direct debit (AvtaleGiro)

    NOK 3

    Message due to insufficient funds

    NOK 10

    Receipt sticker

    NOK 25

    Giro sent by post (Brevgiro)
        Per giro + postage as per Posten's rates

        List of receipts

        Receipt sticker

        Return due to error or defect

        Monthly fee

        Arrangement fee

     

    NOK 12

    NOK 10

    NOK 25

    NOK 120

    NOK 20

    NOK 250

    Transfer between own accounts

    NOK 0

    Transfer from credit card to own account

    1 % av transferred amount,
    min. NOK 25

    Monthly fee Fri Bruk other

    NOK 25

    Immediate payment

        Under NOK 10,000
        NOK 10,000 or more

     

    NOK 15

    NOK 65

  • First security code device

    NOK 100

    Extra security code device

    NOK 100

    New security code device 

    NOK 100

    One-time security code via text message

    NOK 0

    BankID on mobile phone

    NOK 0

    Get pin code for card

        First time
        Reminder


    NOK 0
    NOK 7

    Search archives, older than 6 months

    NOK 5 per opened statement

  • Request statement by post

    NOK 12

    Query services

    NOK 6

  • Text message banking for those under 18 years old

    NOK 1

    Text message banking for those over 18 years old

    NOK 3

    Text message notification

    NOK 3

    Approve eFaktura (eBill) via text message

    NOK 3

    Text message receipt for payment recipient 

    NOK 5

  • Manual giro

    NOK 150

    Manual transfer between own or third party accounts

    NOK 150

    Additional charge for incomplete giro

    NOK 50

    Issuing of payment order

    NOK 200

    Encashment of payment order –

    crediting of account in SNN only

    NOK 30

    Closure and settlement of account

    NOK 100

    Additional dispatch of documents 

    NOK 12

    Manual production

        Bank statement/annual statement

        Voucher/receipt, etc.

        Roadside assistance certificate

        Travel insurance certificate

     

    NOK 150

    NOK 150

    NOK 100

    NOK 100

    Electronic retrieval of copy of voucher from Nets

    Vouchers up to 2 years old  

    Vouchers more than 2 years old

    Manual retrieval of copy of voucher from Nets

     

    NOK 107

    NOK 637

    NOK 637

    Manual setting up of standing order

    Within SNN without message

    Within SNN with message

    To other bank without message

    To other bank with message  

     

    NOK 0

    NOK 10

    NOK 10

    NOK 15

Cards

  • Annual fee

              Ordinary

              Bruke Voksen

              Bruke Ung Voksen

     

    400 NOK

    400 NOK

    350 NOK

    Cash withdrawals

    Adults

    Children

    From our cash machines

    From other banks' cash machines
     

    Visa cash advances in Norway and abroad

    Cash machines

    Manual withdrawals in bank

    Foreign transaction fee for transactions in a foreign currency


    NOK 10


    NOK 0
    NOK 7

     

     

    NOK 30 + 0,5 % of amount

    NOK 60 + 0,5 % of amount

    2,00 %*

    Purchases, incl. cash withdrawals

    Bruke Voksen and Bruke Ung Voksen

    Ordinary 

     

    NOK 0

    NOK 2

    PIN code

        Get in internet bank, first time
        Get in internet bank, reminder
        Send by post
        New PIN by post + replacement cards

     

    NOK 0
    NOK 15
    NOK 20
    NOK 120

    Replacement card (from 18 years old)
        Internet bank
        Manual in bank


    NOK 100
    NOK 200

  • Annual fee

    Ordinary

    Bruke Voksen

    Bruke Ung Voksen

     

    NOK 300

    NOK 300

    NOK 250

    Cash withdrawals

        Adults

        Children

            From our cash machines

            From other banks' cash machines

     

        Visa cash advances in Norway and abroad

            Cash machines
            Manual withdrawals in bank

        Foreign transaction fee for transactions in a foreign currency

    NOK 10
     

    NOK 0
    NOK 7

     

     

    NOK 30 + 0,5 % of amount

    NOK 60 + 0.5 % of amount

    2 %

    PIN code   

        Get in internet bank, first time
        Get in internet bank, reminder 
        Send by post (from 18 years old)
        New PIN by post + replacement card

     

    NOK 0

    NOK 15

    NOK 20

    NOK 120

    Purchase incl. cash withdrawals

       Bruke Voksen and Bruke Ung Voksen

        Ordinary

     

    NOK 0

    NOK 2

    Replacement card (from 18 years old)
        Internet bank
        Manual in bank

    NOK 100
    NOK 200

  • Annual fee

    NOK 0

    Additional card

    NOK 0

    Cash withdrawal

     

    From cash machines

    Over the counter

     

    NB: use of the card at Posten is considered an over the counter cash withdrawal.

    NOK 40 kr + 1 % of amount

    NOK 75 + 1 % of amount

    Transfer from credit card to account

    1 % av transferred amount, min. NOK 25

    Nominal interest rate

    1.75 % per month

    Foreign transaction fee

    1.75 %

    Reminder fee

    NOK 57

    Overdraft fee

    NOK 125

    Replacement card

    NOK 0

    Bill fee

    Paper bill

    eFaktura (eBill)

     

    NOK 35

    NOK 0

  • Annual fee
    Replacement card

    NOK 0
    NOK 0

    Usage charges:
    Charges for purchases
    Cash withdrawals from cash machines
    Cash withdrawals over the counter*

    *Use of the credit card at Posten and Post in Store is considered an over the counter cash withdrawal.


    NOK 0
    NOK 35 + 1 % of amount
    NOK 75 + 1 % of amount

     

     

     

    Payment:
    0 % interest on purchases for up to 45 days. Interest accrues from the first due date. Repayment: 2.5% of utilised credit, min. NOK 250.

    Payment insurance:

     

     

    0.6% of the balance owed is charged to your bill each month. (Free for the first 3 months).

    Interest:
    Nominal interest rate:
    Effective interest rate**:

    ** Based on an example of NOK 15,000 repaid over 12 months. Cost of credit NOK 1,281. Total credit amount is NOK 16,281.


    18.30 % per annum
    19.92 % per annum



     

    Foreign transaction fee
    Overdraft fee***Rreminder fee
    Fee for eFaktura (eBill)
    Fee for paper bill
    Copy of bill
    Full repayment of other credit card
    Transfer from credit card to account
     

    *** An overdraft fee is charged if the agreed credit limit is exceeded.


    1.75 %

    NOK 125

    As per the government's rates
    NOK 0
    NOK 45
    NOK 20
    Interest is charged from day 1
    1 % of transferred amount, min. NOK 25



     

Loans

  • Mortages within 75 %

    The loan must qualify for SpareBank 1 Boligkreditt with collateral of up 75 % of the property’s appraised value. 

    Over NOK 4 000 000

    from 3.40 % (eff. 3.49 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 3.49 %, NOK 4 million over 25 years, cost 1.966.174 NOK total NOK 5.966.174 NOK. 

    Over NOK 2 000 000

    from 3.50 % (eff. 3.64 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 3.64 %, NOK 2 million over 25 years, cost 1.026.474 NOK, total NOK 3.026.474 NOK.

    Under NOK 2 000 000

    from 3.75 % (eff. 3.98 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 3.98%, NOK 1 million over 25 years, cost 565.356 NOK, total NOK 1.565.356 NOK. 


    LOfavør

    LOfavør Mortages within 50 %

    2.65 % (eff. 2.76 %*)

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 1950 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 2.76 %, NOK 2 million over 25 years, cost  NOK 758.115, total NOK 2.758.115.

    LOfavør Mortages within 75 %

    2.74 % (eff. 2.85 %*)

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 1950 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 2.85 %, NOK 2 million over 25 years, cost  NOK 785.631, total NOK 2.785.631.

  • Mortages within 85 %

    The loan must qualify for SpareBank 1 Boligkreditt with collateral of up 85 % of the property’s appraised value.

    Over NOK 4 000 000

    from 3.55 % (eff. 3.65 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 3.65 %, NOK 4 million over 25 years, cost 2.062.605 NOK, total NOK 6.062.605

    Over NOK 2 000 000

    from 3.65 % (eff. 3.79 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 3.79 %, NOK 2 million over 25 years, cost 1.075.055 NOK, total NOK 3.075.055

    Under NOK 2 000 000

    from 3.90 % (eff. 4.13 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 4.13 %, NOK 1 million over 25 years, cost 589.950 NOK, total NOK 1.589.950


    LOfavør

    LOfavør mortages within 85 %

    2.94 % (eff. 3,05 %*)

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 1950 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Price example: Effective interest rate 3.05 %, NOK 2 million over 25 years, cost 847.535 NOK, total NOK 2.847.535.

  • Your loan must qualify for SpareBank 1 Boligkreditt with collateral of up 85% of the property’s appraised value.

    First home loan (Første boliglån)

    3.05 % (eff. 3.18 %*)

    * The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Priceexample: Eff. interest 3.18 %, 2 million over 25 years, cost 883.660 NOK, tot. NOK 2.883.660

    Boliglån for unge

    3.20 % (eff. 3.33 %*)

    * The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Priceexample: Eff. interest 3.33 %, 2 million over 25 years, cost 931.019 NOK, tot. NOK 2.931.019

    LOfavør Boliglån for unge

    2.59 % (2.69 %*)

    * The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 1950 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment. Priceexample: Eff. interest 2,69 %, 2 million over 25 years, cost 739.855 NOK, tot. NOK 2.739.855

  • Car loan with sales lien

    From 3.95 % *

    Price example Car loan: Effective interest rate from 5.92 %, NOK 150.000 over 5 years, cost NOK 20.413, total NOK 170.413

    Billån ung (car loan for the young)

    6.95 %

    Price example Billån ung: Effective interest rate from 8.39 %, NOK 100.000 over 5 years, cost NOK 22.125, total NOK 122.125

    * Best interest rate applies to LOfavør customers with own capital of 35 % or more.

  • The loan must qualify for SpareBank 1 Boligkreditt with collateral of up 60 % of the property’s appraised value. Flexiloan requires a 1st priority mortgage on the home..

    Flexiloan

    Flexiloan ung (under 34 years old)

    3.30 % (eff. 3.43 %*)

    * The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 1950 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 75 per instalment. Priceexample: Eff. interest rate 3.43 %, 2 million over 25 years, cost 962.818 NOK, tot. NOK. 2.962.818

    Flexiloan (over 34 years old)

    3.60 % (eff. 3.74 %*)

    * The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 1950 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 75 per instalment. Priceexample: Eff. interest rate 3.74 %, 2 million over 25 years, cost 1.058.844 NOK, tot. NOK. 3.058.844

    LOfavør Flexiloan

    2.74 % (eff 2.85 %)

    * The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 1950 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 75 per instalment. Priceexample: Eff. interest rate 2.85 %, 2 million over 25 years, cost 785.631 NOK, tot. NOK. 2.785.631

  • Deposit loan interest rate

    Arrangement fee

    9.0 % 

    NOK 1,250

    Deposit loan LO

    Arrangement fee

    7.0 %
    NOK 625

  • Personal loans

    16.50 %

    Forbrukslån ungdom (personal loans for the young)

    16.50 %

    Nominal interest rate 16.50 % rate, effective interest rate 19.83 %, NOK 65,000, over 5 years, arrangement fee NOK 1,250, cost NOK 34.523, total NOK 99,523.

  • Interest on utilised amount

    7,20 %

    Price example: Effective interest rate from 7.76 %, NOK 2 mill. over 5 years, cost NOK 401.933, total NOK 2.401.933

  • Within 75 %, 3-year lock-in period

    2.65 % (eff. 2.77 %)

    Within 75 %, 5-year lock-in period

    2.65 % (eff. 2.77 %)

    Within 75 %, 10-year lock-in period

    2.85 % (eff. 2.97 %)

    Effective interest rate for 3-year lock-in period. Nominal interest rate 2.65 %, effective interest rate 2.77 %, NOK 2,000,000 over 25 years. Cost 760.329 NOK, Total NOK 2.760.329

    The effective interest rate has been calculated on the basis of monthly instalments and a loan amount of NOK 2 million with a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,000 deposit, and instalment fees of NOK 60 per instalment.

  • Loans for caravans and motorhomes

    From 3.95 %

    Price example: Effective interest rate from 5.23 %, NOK 150.000 over 5 years, cost NOK 20.413, total NOK 170.413

  • Arrangement fees

        Mortages

        Building loans

        Sales lien loans

        Personal loans

        Forbrukslån unge

     

    From NOK 4,000

    0,25 %, min. NOK 10,000 

    From NOK 1,600

    NOK 1,250

    NOK 950

    Instalment fees

        Mortages

        Flexiloan

     

    NOK 60

    NOK 75

Savings

  • Bruke * (current account)

    0.10 %

    Spare - barnets egen sparekonto * (savings account for young people)

    1,95 %

    Sparekonto ung * (savings account for young people)

    1,95 %

    * 6 free withdrawals a year, after which each withdrawal costs 2 % of the amount withdrawn, min. NOK 20.

  • Home savings for young people (BSU) under 34 years old
        Interest rate
        Double interest rate
     

    Home savings for young people (BSU) over 34 years old


    3.90 %
    7.80 %
     

    1.96 %

    LOfavør BSU under 34 years old
        Interest rate
        Double interest rate

    LOfavør BSU over 34 years old

    4.15 %
    8.30 %
     

    2.08 %

    StartBSU under 34 years old *
     

    StartBSU over 34 years old *

    3.90 %
     

    1.96 %

    * Charge for withdrawals other than transfers to BSU or for housing purposes.

    5 % of amount withdrawn, min. NOK 1,000

  • LOfavør savings account

    0.85 %

    *12 free withdrawals per year, as well as withdrawal of last year's interest. A charge is incurred for other withdrawals of 2 % of amount withdrawn with no minimum amount.

  • Savings account

    0.85 %

    * 12 free withdrawals per year, as well as withdrawal of last year's interest. A charge is incurred for other withdrawals of 2 % of amount withdrawn, min. NOK 25.

  • 12 month lock-in period.
    Min. NOK 50,000 and max. 5,000,000 kr

    1.70 %

    Infringements of fixed-rate agreements will incur a charge of 3 % per annum of the amount withdrawn for the remainder of the term.

  • Fri Bruk and Brukskonto *

    0.05 %

    Deposit account

    Open account in internet bank

    Open account at local branch

    0.20 %

    NOK 500

    NOK 1,000

    IPA high interest account (no new agreements)

    0.85 %

    * Overdrawing not allowed. Infringements result in interest charged at 18 %.

Shares and securities

  • Open share savings account

    NOK 0

    Moving shares, equity certificates and securities to and from SpareBank 1 Nord-Norge

    NOK 0

    Purchase, exchange and sales of securities

    NOK 0

    Annual management fees for securities  - See prices here

    Brokerage fee 0.05 % per trade, minimum NOK 49 until end of 2017, then NOK 95.

    Account administration fee/annual fee VPS - Total value as at 31 December

    Under NOK 100,000
    NOK 100,000 – NOK 1,000,000
    NOK 1,000,000 – 10,000,000 (per million or part thereof)
    More than NOK 10,000,000 (per million or part thereof)


    NOK 0

    NOK 225

    + NOK 75

    + NOK 25

  • Total value as at 31 December

    Under NOK 100,000

    NOK 100,000 – NOK 1,000,000

    NOK 1,000,000 – NOK 10,000,000 (per million or part thereof)

    More than NOK 10,000,000 (per million or part thereof)

     

    NOK 0

    NOK 225

    + NOK 75

    + NOK 25

  • Brokerage fee – Norwegian listed shares up to NOK 250,000

    0.30 % per trade, min. NOK 500 

    Brokerage fee – Norwegian listed shares over NOK 250,000

    Prices according to agreement

Cross-border payments

  • Paper-based payment (manual registration at branch)

    NOK 300

    SEPA payment (order submitted via electronic channel)

    NOK 30

    Ordinary payment (order submitted via electronic channel)

    NOK 50

    We have produced an explanation of the individual elements and correlation between these. This also describes the requirements the bank stipulates for the prices quoted to apply.
    Click here for further information about SWIFT outgoing (Norwegian only)

  • SEPA payment

    NOK 30

    Cross-border payment/domestic foreign currency payment

    NOK 50

    Domestic payment in NOK

    NOK 0

    We have produced an explanation of the individual elements and correlation between these. This also describes the requirements the bank stipulates for the prices quoted to apply.
    Click here for further information about SWIFT incoming (Norwegian only)

  • Additional charge for urgent payment

    + NOK 250

    Additional charge if the sender covers all the charges (OUR)

    + NOK 250

    Message repair

    + NOK 100

    Account adjustment and exchange to/from own foreign currency account

    NOK 0

    Registration and changes to cross-border standing orders

    NOK 100

    Confirmation by fax or email to the recipient or sender

    + NOK 100

    Cancellation/rejection of received order

    NOK 100

    Cancellation of executed payment

    NOK 250

    Complaint/query concerning executed payment

    NOK 250

    We have produced an explanation of the individual elements and correlation between these. This also describes the requirements the bank stipulates for the prices quoted to apply.
    Click here for further information about additional and extra services (Norwegian only)