Price list for personal customers in SpareBank 1 SMN.
Price list
Velg kategori
PAYMENT TYPES
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We can provide both debit cards and credit cards (Credit cards are contingent upon a satisfactory credit check and the customer being older than 18).You pay an annual fee of NOK 275 for a debit card and receive the following services for free:
- Purchases using debit card and credit card in and outside Norway
- Pay bills from your current account via the internet bank, mobile bank and telephone bank
- Travel- and cancellation insurance when 50% of the cost of travel is paid by credit card
- Same PIN code for debit card and credit card
- Customers aged under 18 pay no annual fee for a debit card
- Customers aged under 25 pay no fee for cash machine withdrawals
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Domestic payment from current account
0,-
Transfer between own accounts
0,-
Receipt sticker sent by post
15,-
Real-time payments
0,-
Request for bank draft
80,-
Documents sent by post
15,-
Changing amount limit
0,-
One-time security code via text message for logging into internet bank/mobile bank
0,-
Security code device for logging into internet bank/mobile bank
120,-
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SEPA payments: Ordinary transfer in EUR within EU/EEA.
The amount will be received by the recipient bank within 2 days *
30,-
Other ordinary payments
75,-
Additional charge for missing IBAN, BIC and/or documentation code
100,-
Incoming cross-border payment in EUR and SEK
20,-
Incoming cross-border payment in other currency, up to NOK 2,000
50,-
Incoming cross-border payment in other currency, exceeding NOK 2,000
100,-
Complaints, reminders (costs from foreign banks come in addition)
400 - 600,-
Cancellation of payment instruction
500,-
Fax or email confirmation to payer or payment recipient
150,-
Additional charge when payer want to pay all charges + charges outside Norway
100,-
* The price is contingent on the instruction being complete and including the following information about the payment recipient:
- IBAN and BIC for payments inside EU/EEA
- Currency documentation code
- Charges shared between payer and recipient
The customer receives a credit value one working day after SpareBank 1 SMN has received the amount. The money is available on the customer's account one working day after the bank has received the amount.
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Domestic payment
0,-
Transfer between own accounts in the bank *
0,-
Real-time payments
0,-
* Transfer from savings account after initial 12 withdrawals per year
100,-
-
Notification by text message, customers aged under 18 years old
0,-
Notification by text message, customers aged 18 years old and over
3,-
You can receive notifications by text message regarding your account balance, stopped payments, new eFaktura (eBill), and received salary/benefits/pension or payments over a certain amount that has gone into your account.
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Domestic payment
0,-
Transfer between own accounts in the bank *
0,-
Stop and start payments
0,-
Query services
4,-
Receipt sticker sent by post
15,-
Request for statement
30,-
* Transfer from savings account after initial 12 withdrawals per year
100,-
-
Annual fee Visa debit card with ID
325,-
Annual fee Visa debit card without ID
275,-
Annual fee for debit card for young people and debit card for children
0,-
Purchases in and outside Norway *
0,-
Cash withdrawals using Visa debit card in any Norwegian cash machine, customers upto 25 years
0,-
Cash withdrawals using Visa debit card in any Norwegian cash machine, customers over 25 years
10,-
Cash withdrawals from outside Norway *
35,-
Cash deposits in SpareBank 1's deposit machines **
3 monthly deposits free of charge, fee applies for additional deposits25,-
Emergency card
1350,-
Emergency cash outside Norway
850,-
Replacement for lost or destroyed debit card
100,-
Replacement for lost or destroyed debit card for children
0,-
* When you use your card outside Norway or to withdraw foreign currency, the amount is converted to NOK. The conversion rate used is the exchange rate on the settlement date according to Visa plus a conversion fee of 2.00 %.
** Personal customers only. Companies, clubs and associations must use night safe.
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Annual fee
0,-
Product purchase in Norway and abroad
0,-
Cash withdrawals from ATMs or over counter in Norway
40,- + 1 % of the amount
Cash withdrawals in local currency outside Norway *
0,-
Cash withdrawals outside Norway by choosing Norwegian currency
40,- + 1 % of the amount
Transfer from credit card to account
25,- +1 % of the amount
Overdraft fee
125,-
Nominal interest per year of used credit
21,62 %
Effective interest per year of used credit
23,90 %
Interest-free credit period
of up to 45 days
Minimum amount to pay
3,5 % of credit used,
minimum NOK 250,-* When you use your card outside Norway or to withdraw foreign currency, the amount is converted to NOK. The conversion rate used is the exchange rate on the settlement date according to Mastercard plus a conversion fee of 2.00 %.
If you receive your bill on paper in the post or have other added services, these costs will be added to the minimum amount. For card agreements signed prior to 15 May 2019 the minimum amount is 2,5 % of spent credit, minimum NOK 250.
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Annual fee
0,-
Product purchase in Norway and abroad
0,-
Cash withdrawals from ATMs or over counter in Norway
40,- +1 % of the amount
Cash withdrawals in local currency outside Norway *
0,-
Cash withdrawals outside Norway by choosing Norwegian currency
40,- + 1 % of the amount
Transfer from credit card to account
25,- + 1 % of the amount
Interest-free deferment of payment of up to 45 days; interes accrues after first due date.Price example of use of Mastercard assuming use of e-Invoice: NOK 15,000 repaid over 12 months.
Credit cost NOK 1,1518. Total credit amount is NOK 16,518.Repayment
5 % of used credit, at least NOK 300
Nominal interest per year of used credit
21.62 %
Effective interest per year of used credit
23.90 %
Currency mark-up
2 %
Overdraft fees *
70,-
Late fee in accordance with government rates
Fee for e-Invoice
0,-
Fee for paper invoice
45,-
Payment of other credit card
0,-
*Overdraft fees are charged if the approved credit limit is exceeded. -
Payment per BrevGiro (postage is charged for in addition to this)
12,-
Receipt sticker sent by post (per receipt)
8,-
-
Prices for customers of other banks stated in brackets.
Giro encashment
75,- (150,-)
Payment using giro form
60,- (150,-)
Payment using giro form, without payment recipient's account number
75,-
Receipt sticker sent by post
8,-
Issuing of bank draft/gift cheque
100,-
Encashment of bank drafts and cheques
0,- (150,-)
Encashment of 3rd party cheque drawn on another bank
75,-
Transfer between own accounts
15,-
Transfer other bank
60,-
Standing order to transfer funds to another payment recipient, per transfer
10,-
Printout of voucher
30,-
Termination of account
30,-
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Ordinary transfer
350,-
Additional charge for missing IBAN, BIC and/or documentation code
100,-
Complaints due to errors from the customer
400,-
Cancellation of payment instruction
500,-
Fax confirmation to payer or payment recipient
150,-
Additional charge when payer want to pay charges outside Norway
100,-
The payer will be charged in arrears when the charges outside Norway are known.
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Annual fee for debit card
200,-
Withdrawals from SpareBank 1's ATMs
4,-
Cash withdrawal in connection with purchase
4,-
Purchases using card in and outside Norway
4,-
Electronic giro paid via internet bank, mobile bank and telephone bank
4,-
-
Electronic giro paid via internet bank, mobile bank or telephone bank which is debited to a savings account or a flexiloan account.
4,-
-
When cash is paid into an account the amount is available to the customer immediately after the bank has received the funds.
When an account is credited in some other way, the value date of the credit will be no later than the business day on which the amount was credited to the account.
The earliest value date for debiting an account is when the account is debited by the amount.
LOANS
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The loan prices presuppose that the loan can be transferred to our in-house covered bond issuing company, SpareBank 1 Boligkreditt, and that the loan is in accordance with the Lending Regulations. This entails, inter alia, that the loan must not exceed the stated equity of the mortgage in question, that you cannot borrow more than five times your gross annual income and that you must be able to withstand an interest rate increase of at least 3 percentage points. Additionally, several other prerequisites apply; including paying your loan on time, using SpareBank 1 SMN for your daily banking and maintaining a current/pension account with us.
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From NOK 4,000,000 and above
Nominal rate from 5.54 %
Effective rate from 5.76 %From NOK 2,000,000 - 3,999,999
Nominal rate from 5.54 %
Effective rate from 5.76 %Under NOK 1,999,999
Nominal rate from 5.64 %
Effective rate from 5.87 %The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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From NOK 4,000,000
Nominal rate from 5.94 %
Effective rate from 6.18 %
From NOK 2,000,000 - 3,999,999
Nominal rate from 6.14 %
Effective rate from 6.39 %Under NOK 1,999,999
Nominal rate from 6.34 %
Effective rate from 6.60 %The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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From NOK 4,000,000
Nominal rate from 6.04 %
Effective rate from 6.29 %From NOK 2,000,000 - 3,999,999
Nominal rate from 6.24 %
Effective rate from 6.50 %Under NOK 1,999,999
Nominal rate from 6.44 %
Effective rate from 6.71 %The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 85 % of the purchase price
Nominal rate from 5.84 %
Effective rate from 6.08 %
The effective rate is calculated on the basis of an annuity plan for NOK 2 million with a repayment period of 25 years plus a front-end fee of NOK 2,650, a custodian fee of NOK 1,200 and instalment fee of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 85 % of the purchase price
Nominal rate from 5.74 %
Effective rate from 5.97 %The effective rate is calculated on the basis of an annuity plan for NOK 2 million with a repayment period of 25 years plus a front-end fee of NOK 2,650, a custodian fee of NOK 1,200 and instalment fee of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 50 % of the purchase price,
maximum NOK 16.000.000Nominal rate from 5.44 %
Effective rate from 5.66 %Establisment cost
from 2.650 - 6.000,-
The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 75 % of the purchase price
Nominal rate from 5.54 %
Effective rate from 5.76 %Establisment cost
from 2.650 - 6.000,-
The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 85 % of the purchase price,
maximum NOK 16.000.000Nominal rate from 5.64 %
Effective rate from 5.87 %Establisment cost
from 2.650 - 6.000,-
The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 75 % of the purchase price,
maximum NOK 1.000.000Nominal rate from 5.64 %
Effective rate from 5.95 %Establishment cost
from 2.650 - 6.000,-
The effective rate is based on a NOK 100.000 annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Up to NOK 16.000.000
Nominal rate from 6.74 %
Effective rate from 8.38 %Commission (cost is charged to the building loan)
0.33 % per quarter calculated on basis of granted lending limit
Establishment cost
from 5.000,-
The effective rate will depend on how much of the limit is used. Custodian fee NOK 1,200.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 85 % of the purchase price
Nominal rate from 5.44 %
Effective rate from 5.66 %Establisment cost
from 2.650 - 6.000,-
The effective rate is calculated on the basis of an annuity plan for NOK 2 million with a repayment period of 25 years plus a front-end fee of NOK 2,650, a custodian fee of NOK 1,200 and instalment fee of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 85 % of the purchase price
Nominal rate from 5.44 %
Effective rate from 5.66 %Establisment cost
from 2.650 - 6.000,-
The effective rate is calculated on the basis of an annuity plan for NOK 2 million with a repayment period of 25 years plus a front-end fee of NOK 2,650, a custodian fee of NOK 1,200 and instalment fee of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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From NOK 4,000,000
Nominal rate from 5.54 %
From NOK 2,000,000 - 3,999,999
Nominal rate from 5.54 %
Under NOK 1,999,999
Nominal rate from 5.64 %
Commission
0.02 % per month calculated on basis of granted lending limit. Monthly interest capitalisation.
Establishment cost
from 2650,-
The effective rate will depend on how much of the limit is used. Custodian fee NOK 1,200.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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From NOK 500,000:
3 years binding
Nominal rate from 4.84 %
Effective rate from 5.03 %
5 years binding
Nominal rate from 4.69 %
Effective rate from 4.87 %
10 years binding
Nominal rate from 4.64 %
Effective rate from 4.82 %
Establishment cost
From 2.650,- to 6.000,-
Switch from variable rate to fixed rate
1.000,-
The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 60 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Fron NOK 500,000:
3 years binding
Nominal rate from 5.04 %
Effective rate from 5.24 %
5 years binding
Nominal rate from 4.89 %
Effective rate from 5.08 %
10 years binding
Nominal rate from 4.84 %
Effective rate from 5.03 %
Establishment cost
From 2.650,- to 6.000,-
Switch from variable rate to fixed rate
1.000,-
The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 60 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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From NOK 500,000, up to 85 % of the market value of own house:
3 years binding
Nominal rate from 4.84 %
Effective rate from 5.03 %
5 years binding
Nominal rate from 4.69 %
Effective rate from 4.87 %
10 years binding
Nominal rate from 4.64 %
Effective rate from 4.82 %
Establishment cost
From 2.650,- to 6.000,-
Switch from variable rate to fixed rate
1.000,-
The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 60 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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Borrow up to 85 % of the purchase price
Nominal rate from 6.34 %
Effective rate from 6.60 %Establishment cost
From NOK 2,650 - 6,000
Effective interest rate is calculated based on an annuity loan of NOK 2 million with a 25-year repayment period, an establishment cost of NOK 2,650, a custodian fee of NOK 1,200 and an instalment charge of NOK 65.We will assess your loan application individually based on earning capacity, security and risk so that we can offer you the correct interest rate.
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Up to 85% of basis for valuation
Nominal rate from 7.74 %
Effective rate from 9.45 %
Commission (cost is charged to the building loan)
0.33 % per quarter calculated on basis of granted lending limit
Establishment cost
from 5.000,-
The effective rate will depend on how much of the available credit is used. Custodian fee NOK 1,200.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
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In collaboration with NTE we offer loans for the purchase of solar cell installations. The loan is included in the mortgage of your home. You will not have to pay establishment costs and will only have to pay the registration fee.
Loan up to 85 % of value of home
Nominal rate from 5.64 %
Effective rate from 6.88 %Registration fee
NOK 525
Effective interest rate is calculated based on a loan of NOK 300,000 with a repayment period of 25 years. -
Per collateral security
1200,-
Public charges:
- Registration of collateral documents for real property
500,-
- Registration of collateral documents for housing cooperative
500,-
- Registration of collateral documents for moveable property (security for unpaid purchase money)
1473,-
- Registration of collateral documents for refinancing (other financial institution) within same lending limit
500,-
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Late instalment, each time
450,-
Instalment deferment, each time
450,-
-
Overdrawing fee per quarter or parts thereof
2 %
First reminder
67,-
Notice of collection
67,-
Transfer to external debt collection agency - minimum
67,-
Overdrawing rate
18 %
Penalty interest
11,75 %
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From NOK 4,000,000 and above
Nominal rate from 5.54 %
Effective rate from 5.76 %From NOK 2,000,000 - 3,999,999
Nominal rate from 5.54 %
Effective rate from 5.76 %Under NOK 1,999,999
Nominal rate from 5.64 %
Effective rate from 5.87 %The effective rate is based on a NOK 2 million annuity, a 25-year repayment period, an arrangement fee of NOK 2,650, a custodian fee of NOK 1,200 and a charge of NOK 65 per instalment.
Loan applications are assessed individually, taking into consideration your ability to pay, security, and risk, in order to offer you the correct interest rate.
-
Establishment cost
0,-
Term fee
49,-
Risk-based interest rate
from 7.8 % to 19.9 %
Reminder fee
according to government guidelines
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Establishment cost
500,-
No term fees
Fixed interest rate
Nominal rate 11.5 %
Effective rate 12.47 %
Fee for paper bill
45,-
(no fees if you set up eFaktura for payment)
SAVINGS
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Ordinary interest rate
6.25 %
From 36 years the rate changes automatically to the same conditions as in savings account.
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Interest rate
5.25 %
-
Establishment of a share savings account
0,-
Transfer of share savings account to us, per fund
0,-
Transfer of share savings account to us, per share
0,-
Annual fee
0,-
Custodian cost for fund according to price list for SpareBank 1 Verdipapirservice AS
0,-
Purchase of fund on the Internet
0,-
Purchase of fund via adviser
0,-
Purchase and sale of shares
Brokerage fee 0.05 % min. 95,-
Cancellation of account and transfer to another bank
0,-
Transfer of fund to another bank, per fund
100,-
Transfer of shares to another bank, per ISIN No.
100,-
Storage of securities
Annual fee is calculated based on market value as of 31.12.
Value below NOK 100,000
Free of charge
NOK 100,000 - 1,000.000
250,-
Excess per commenced million
125,-
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Fees as of May 28th 2021
Distribution fee, digital level (self-service):
Total assets 0 - 9.999 NOK
Free
Total assets 10.000 - 999.999 NOK *
0.3 %
Total assets 1.000.000 - 9.999.999 NOK
0.2 %
Total assets over 10 mill. NOK
0.1 %
Minimum quarterly distribution fee
25,-
Distribution fee, advisor service level:
Total assets 0 - 9.999 NOK *
0.3 %
Total assets 10.000 - 999.999 NOK
0.6 %
Total assets 1.00.000 - 9.999.999 NOK
0.5 %
Total assets over 10 mill. NOK
0.4 %
Minimum quarterly distribution fee
500,-
Advisor service level includes advisory and follow-up from one of the banks investment specialists, and has a contract duration of 180 days after resignation.
Distribution fee for bond funds will not exceed 0,20 %.
* We do not recommend advisor service level for customers with total assets under 10.000 NOK.
Click here for an overview of all our funds and prices (pdf)
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From first NOK
2.25 %
-
From first NOK
4.25 %
-
From first NOK
4.25 %
-
From first NOK
4.25 %
-
Minimum deposit NOK 25,000
6 months, expiry date 29.10.2024
5,10 %
12 months, expiry date 28.04.2025
4,80 %
The maximum total deposit is NOK 50 million. For larger deposits, contact the bank.
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From NOK 500,000 and above
4.50 %
From NOK 100.000 and above
4.00 %
Under NOK 100.000
0,10 %
-
From NOK 50,000,000 and above
Agreed individually
From NOK 1,000,000 - 49,999,999
5.00 %
From NOK 0 - 999,999
0.50 %
Please note that you must notify us of any planned withdrawals a minimum of 31 days before the withdrawal is to be made.
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From NOK 50,000,000 and above
Agreed individually
From NOK 1,000,000 - 49,000,000
4.70 %
From NOK 0 - 999,999
0.50 %
Please note that you must notify us of any planned withdrawals a minimum of 31 days before the withdrawal is to be made.
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Interest rate
0.10 %
Front-end fee for set-up via Internet bank
350,-
Front-end fee for set-up via branch
1250,-
-
Interest rate
0.00 %
-
Interest is credited monthly for all account types, except BSU, account with bonus and bank deposit 3 and 12 months. This means that the effective rate will be higher than the nominal rate. Interest is paid from the first NOK.
If an account is overdrawn, interest will be charged at the bank's current rate for overdrawing, currently 18 % per year.
Moving a savings account to another bank will be charged NOK 4.
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Click here for stock trading prices (page in Norwegian only)
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The interest you will receive on your currency account depends on the reference interest rate.
Current with positive reference interest rates:
Reference interest rate -1.5 % in the margin (interest to you as a customer cannot be lower than 0 %)Currency with a negative reference interest rate (CHF, DKK, EUR, JPY and SEK): Reference interest rate -0.5 % in margin (interest to you as a customer is negative).
SECURITIES SERVICES / VPS ACCOUNT
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Set-up and changes to securities account
0,-
Transfer of securities between accounts per security
100,-
Establishment of trade and request mandate for broker
150,-
Release of security to another broker
100,-
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Annual fee calculated on basis of market value as per 31.12
Value less than NOK 100,000
0,-
NOK 100,000 - NOK 1,000,000
250,-
Amounts above, per started million
125,-
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Request for extra annual statement, last year
0,-
Request for annual statements older than last year
300,-
Request for other older information
Price must be agreed