Price list Personal

Price list for personal customers.


Payments

  • Young

    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 

    NOK 12

        List of receipts

    NOK 10

        Receipt sticker

    NOK 25

        Return due to error or defect

    NOK 150

        Monthly fee

    NOK 20

        Arrangement fee

    NOK 250

    Transfer between own accounts

    NOK 0 *

    Transfer from credit card to own account

    1 % av transferred amount,
    min. NOK 25

    Immediate payment

        NOK 0–5000

    NOK 0

        NOK 5,001 or more

    NOK 50

    * Savings accounts have 12 fee-free transfers / withdrawals per year, plus last year's interest rate. In addition to this, the withdrawal is priced at 2% of the withdrawal amount, min. NOK 20

  • Security code device

    NOK 200

    One-time security code via text message

    NOK 0

    BankID on mobile phone

    NOK 0

    Get pin code for card

        First time

    NOK 0

        Reminder

    NOK 15

    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

    Additional dispatch of documents 

    NOK 12

    Manual production

        Bank statement/annual statement

    NOK 150

        Voucher/receipt, etc.

    NOK 150

        Roadside assistance certificate*

    NOK 150

        Travel insurance certificate*

    NOK 150

        Green card*

    NOK 150

        *can be ordered free of charge in the Internet or mobile bank

    Electronic retrieval of copy of voucher from Nets

        Vouchers up to 2 years old

    NOK 107

        Vouchers more than 2 years old

    NOK 637

    Manual retrieval of copy of voucher from Nets

    NOK 637

    Cash withdrawal over the counter

     

     

        Available at selected branches. Up to 2 weeks order time.

        Withdrawal fee

    0.25% (min. NOK 250)

Cards

  • Annual fee

        Ordinary

    NOK 450

        Bruke Voksen

    NOK 450

        Bruke Ung Voksen

    NOK 400

        Everyone under 18 years old

    NOK 0

    Cash withdrawals

        Adults

    NOK 10

        Children

            from our cash machines

    NOK 0

            from other banks' cash machines

    NOK 7

    Visa cash advances in Norway and abroad

        Cash machines    

    NOK 30 + 0,5 % of amount

        Manual withdrawals in bank

    NOK 60 + 0,5 % of amount

    Foreign transaction fee for transactions in a foreign currency

    2%

    Purchases, incl. cash withdrawals

        Bruke Voksen and Bruke Ung Voksen

    NOK 0

        Ordinary 

    NOK 2

    PIN code

        Get in internet bank, first time

    NOK 0

        Get in internet bank, reminder

    NOK 15

        Send by post

    NOK 20

        New PIN by post + replacement cards

    NOK 120

    Replace card (from 18 years old)


    NOK 100

  • Annual fee

        Ordinary 

    NOK 300

        Bruke Voksen

    NOK 300

        Bruke Ung Voksen

    NOK 250

    Cash withdrawals

        Adults

    NOK 10

        Children 

            from our cash machines

    NOK 0

            from other banks' cash machines

    NOK 7

    Visa cash advances in Norway and abroad

        

    NOK 30 + 0,5 % of amount

    NOK 60 + 0.5 % of amount

    2 %

            Cash machines

            Manual withdrawals in bank

        Foreign transaction fee for transactions in a foreign currency

    PIN code

        Get in internet bank, first time

    NOK 0

        Get in internet bank, reminder

    NOK 15

        Send by post (from 18 years old)

    NOK 20

       New PIN by post + replacement card

    NOK 120

    Replace card (from 18 years old)

    NOK 100

    Purchase incl. cash withdrawals

        Bruke Voksen and Bruke Ung Voksen

    NOK 0

        Ordinary

    NOK 2

    Replace card (from 18 years old)

    NOK 100

  • Annual fee

    NOK 0

    Additional card

    NOK 0

    Replacement card

    NOK 0

    Cash withdrawals in cash maschines, or over the counter, in Norway
    Note that the use of credit cards at a post office and Post in Store is considered cash over the counter.

    NOK 40 + ${products.kredittkort.price_minibank_prosentpaslag} % of amount

    Cash withdrawals in cash machines or over the counter abroad

    Free of charge

    Payment:
    Interest-free payment deferral for up to 45 days. Interest accrues from the first due date. Repayment: 5% of used credit, minimum NOK 300. 

    Nominal interest rate

    21.62% p.a.

    Transfer from credit card to account

    NOK 25 + 1 % av transferred amount

    Foreign transaction fee

    2%

    Reminder fee

    According to state rates

    Overdraft fee

    NOK 70

    Bill fee

        Paper bill

    NOK 45

        eFaktura (eBill)

    NOK 0

  • Annual fee

    NOK 0

    Additional card

    NOK 0

    Replacement card

    NOK 0

    Cash withdrawals in cash maschines, or over the counter, in Norway
    Note that the use of credit cards at a post office and Post in Store is considered cash over the counter.

    NOK 40 + ${products.kredittkort.price_minibank_prosentpaslag} % of amount

    Cash withdrawals in cash machines or over the counter abroad

    Free of charge

    Payment:
    Interest-free payment deferral for up to 45 days. Interest accrues from the first due date. Repayment: 3.2% of used credit, minimum NOK 250. For card agreements signed before 15 May 2019, the minimum amount is 2.5% of the credit used, a minimum of NOK 250.

    NOK 0

    Nominal interest rate

    21.62% p.a.

    Transfer from credit card to account

    NOK 25 + 1 % av transferred amount

    Foreign transaction fee

    2%

    Reminder fee

    According to state rates

    Overdraft fee

    NOK 125

    Bill fee

        Paper bill

    NOK 45

        eFaktura (eBill)

    NOK 0

Loans

  • Arrangement fees

        Mortgages

    From NOK 4,000

        Building loans

    0,25 %, min. NOK 10,000

        Vendor's security loans

    From NOK 2,400

        Consumer loans

    NOK 1,790

        Consumer loans for the young

    NOK 1,790

    Instalment fees

        Mortgages

    NOK 60

        Flexiloan

    NOK 75

        Vendor's security loans

    NOK 95

        Consumer loans

    NOK 70

    Change vendor's security loans / consumer loans

    From

        Exemption from repayment and interests (per month)

    NOK 295

        Exemption from repayment (per month)

    NOK 295

        Extension in excess of 6 months

    NOK 1290

        Extension up to 6 months

    NOK 750

        Extension in excess of 6 months, personal loan  

    NOK 0

        Extension up to 6 months, personal loan

    NOK 0

        Remove co-borrower      

    NOK 750

        Change to non-comprehensive

    NOK 1290

        Payment plan

    NOK 50

        Invoice copy via e-mail (per copy)

    NOK 50

        Copy of contract documents

    NOK 50

    Change loans

        Change due date in Internet bank or mobile bank

    NOK 0

        Change due date through adviser

    NOK 1000

        Change instalment in Internet bank or mobile bank

    NOK 0

        Change instalment through adviser

    NOK 1000

        Extra loan payment in Internet bank or mobile bank

    NOK 0

        Extra loan payment through adviser

    NOK 1000

        Exemption from repayment

    NOK 1000

        Change security (registration fee is added, if necessary)

    from NOK 1000

        Change of guarantees

    NOK 1500

        Merger of loans

    NOK 2500

        Change from variable rate to fixed rate, and vice versa

    NOK 1000 

    Costs for depositing securities

        Per security

    NOK 1300

    Public costs: Registration of mortage documents 

    in real estate (paper/eletronically)

    NOK 585/540

    in housing associations (paper/electronically)

    NOK 480/440

    in movable property (vendor's sercurity)

    NOK 1516

    in movable property (vendor's sercurity) electronically

    NOK 1051

    by refinancing (within the same loan limit)

    NOK 200

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

    Mortgages 50 %

    from 5.84 % (eff. 6.08 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.08 %, NOK 2 million over 25 years, cost 1.832.139 NOK, total NOK 3.832.139

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

    Over NOK 4 000 000

    from 6.09 % (eff. 6.31 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.31 %, NOK 4 million over 25 years, cost 3.822.569 NOK, total NOK 7.822.569

    Over NOK 2 000 000

    from 6.29 % (eff. 6.56 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.56 %, NOK 2 million over 25 years, cost 1.997.665 NOK, total NOK 3.997.665

    Under NOK 2 000 000

    from 6.49 % (eff. 6.86 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.86 %, NOK 1 million over 25 years, cost 1.048.547 NOK, total NOK 2.048.547

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

    Over NOK 4 000 000

    from 6.24% (eff. 6.46 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.46 %, NOK 4 million over 25 years, cost 3.933.417 NOK, total NOK 7.933.417

    Over NOK 2 000 000

    from 6.44 % (eff. 6.72 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.72 %, NOK 2 million over 25 years, cost 2.053.577 NOK, total NOK 4.053.577

    Under NOK 2 000 000

    from 6.64 % (eff. 7.02 %)*

    * The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 7.02 %, NOK 1 million over 25 years, cost 1.076.744 NOK, total NOK 2.076.744

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

    First home 

    from 5.54 % (eff. 5.77 %)*

    * 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 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Eff. interest 5.77 %, 2 million over 25 years, cost NOK 1.723.671, tot. NOK 3.723.671

    Mortage for the young

    from 5.69 % (eff. 5.93 %)*

    * 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 1,300 deposit, and instalment fees of NOK 65 per instalment. Priceexample: Eff. interest 5.93 %, 2 million over 25 years, cost 1.777.714 NOK, tot. NOK 3.777.714

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

    Green home mortgage within 85%

    5.29 % (eff. 5.51 %)*

    * The effective interest rate is calculated at 2 mill, based on a 25-year repayment period, an annuity loan, establishment of NOK 4,000, a deposit of NOK 1,300 and a term of NOK 65. Price example: Effective interest rate 5.51 %, 2 mill over 25 years, cost NOK 1.623.827, a total of NOK 3.623.827

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

    Green environmental mortgage within 85%

    5.39 % (eff. 5.70 %)*

    * The effective interest rate is calculated at 1 mill, based on a 25-year repayment period, annuity loan, establishment of NOK 4,000, deposit of NOK 1,300 and term of NOK 65. Price example: Effective interest rate 5.70 %, 1 mill over 10 years, cost NOK 847.407, total NOK 1.847.407

    Green first home mortgage

    5.26 % (eff. 5.47 %)*

    * The effective interest rate is calculated at 2 mill, based on a 25-year repayment period, annuity loan, establishment of NOK 4,000, deposit of NOK 1,300 and term of NOK 65. Price example: Effective interest rate 5.47 %, 2 mill over 25 years, cost NOK 1.623.827 total NOK 3.623.827

  • Car loan

    6.85 %

    Price example Car loan: Effective interest rate from 9.35 %, NOK 150.000 over 5 years, cost NOK 37.050, total NOK 187.050

    Billån ung (car loan for the young)

    9.95 %

    Price example Billån ung: Effective interest rate from 13.90 %, NOK 100.000 over 5 years, cost NOK 44.025, total NOK 169.025

    Car loan without comprehensive insurance

    15.95 %

    Price example: Effective interest rate 20.04 %, NOK 100,000 over 5 years, cost NOK 67.829, a total of NOK 192.829

    Green car loan (loan for electric car)

    6.75 %

    Price example: Effective interest rate 9.25 %, NOK 150,000 over 5 years, cost NOK 36.614, a total of NOK 186.614

  • 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.

    45 % of the property’s appraised value

    6.04 % (eff. 6.40 %)*

    * 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 1,300 deposit, and instalment fees of NOK 75 per instalment. Priceexample: Eff. interest rate 6.40 %, 2 million over 25 years, cost 931.520 NO, tot. NOK 2.136.820

    60 % of the property’s appraised value

    6.24 % (eff. 6.61 %)*

    * The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 4000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 75 per instalment. Priceexample: Eff. interest rate 6.61 %, 2 million over 25 years, cost 961.620 NOK, tot. NOK 2.166.920

  • Deposit loan interest rate

    Arrangement fee

    9.0 % 

    NOK 1,250

    Deposit loan LO

    Arrangement fee

    7.0 %
    NOK 625

  • Personal loans

    11.50 % (eff. 12.47 %)*

    Price example: Effective interest 12.47 %, NOK 70,000 over 5 years, cost NOK 23,029, total NOK 93,029

    Refinancing

    Risk-based interest from 6.5 % to 16.5 %

    Price example: Nom. interest 10.9 %, eff. interest 12.2 %, NOK 150.000 over 5 years, cost NOK 48.173, total NOK 198.173

  • Building loan

    9.25 % (eff. 10.98 %*)

    The effective interest rate has been calculated on the basis of NOK 2 million, 1-year repayment period and 0.33 % commission. Priceexample: Eff. interest rate 10.98 %, 2 million over 1 years, cost 128.419 NOK, tot. NOK 2.128.419.

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

    5.19 % (eff. 5.40 %)

    Within 75 %, 5-year lock-in period

    4.99 % (eff. 5.19 %)

    Within 75 %, 10-year lock-in period

    4.69 % (eff. 4.88 %)

    Effective interest rate for 3-year lock-in period. Nominal interest rate 5.19 %, effective interest rate 5.40 %, NOK 2,000,000 over 25 years. Cost 1.598.852 NOK, Total NOK 3.598.852

    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 1,300 deposit, and instalment fees of NOK 65 per instalment.

  • Loans for caravans and motorhomes

    From 6.85 %

    Price example: Effective interest rate from 9.35 %, NOK 150.000 over 5 years, cost NOK 37.050, total NOK 187.050

Savings

  • Bruke * (current account)

    0.05 %

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

    3.50 %

    Sparekonto ung ** (savings account for young people)

    3.50 %

    * Bill payment from savings account has the same price as ordinary account. See prices under the item payment.
    ** Cards not allowed on this account

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

    6.25 %

    0.15 %

    LOfavør BSU under 34 years old
    LOfavør BSU over 34 years old

    6.50 %

    0.15%

    StartBSU under 34 years old *

    StartBSU over 34 years old *

    3.50 %

    0.15 %

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

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

  • Interest rate

    2.60 %

    * 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

    4.75 %

    Min. NOK 50,000 and max. NOK 5,000,000

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

  • Deposits over 1.000.000 NOK

    4.50 %

    Deposit between 500.000 and 1.000.000 NOK

    4.00 %

    Deposits between 1 and 499.999 NOK

    2.60 %

    If you exceed one level, you will receive the same interest on the entire amount deposited. Withdrawals must be notified at least 31 days before the withdrawal is to take place. Withdrawals before 31 days have passed come with a fee of 5% of the withdrawal amount.

  • Bruke Ung Voksen, Bruke Voksen and Brukskonto *

    0.00 %

    Deposit account

    Open account in internet bank

    Open account at local branch

    0.05 %

    NOK 500

    NOK 1,000

    IPA high interest account (no new agreements)

    0.15 %

    * 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)

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