Pricelist

CARDS

  • Annual fee

    Debit card for kids under 13 years

    0,-

    Debit card for youth over 13 years

    0,-

    Cash witdrawals and purchases

    Withdrawals in SpareBank 1 ATMs

    0,-

    Withdrawals in other banks ATM

    10,-

    Purchases in Norway and abroad

    0,-

    Transaction fee for transactions in a foreign currency

    2,00 %

    Visa cash withdrawal abroad

    0,-

    Other use

    Replacement card for kids

    150,-

    Replacment card for youth

    Re-order pin-code (by mail)

    20,-

    Retrieve pin-code in online banking 1. time

    0,-

    Retrieve pin-code in online banking 2. time

    20,-

  • Annual fee

    Visa with ID

    395,- 

    Visa without ID

    0,-

    Withdrawals in SpareBank 1 ATMs

    10,-

    Withdrawals in other ATMs in Norway

    10,-

    Cash witdrawals and purchases

    Purchases in Norway

    0,-

    Transaction fee for transactions in a foreign currency

    2,00 %

    Visa cash withdrawal abroad

    0,-

    Other use

    Replacement card

    150,-

    Re-order pin-code (by mail)

    20,-

    Retrieve pin-code in online banking 1. time

    0,-

    Retrieve pin-code in online banking 2. time

    20,-

    Emergency cash when card is lost abroad

    850,-

  • Annual fee

    Visa with ID

    395,- 

    Visa without ID

    300,-

    Cash witdrawals and purchases

    Withdrawals in SpareBank 1 ATMs

    10,-

    Withdrawals in other ATMs in Norway

    10,-

    Purchases in Norway

    0,-

    Transaction fee for transactions in a foreign currency

    2,00 %

    Visa cash withdrawal abroad

    40,-

    Other use

    Replacement card

    150,-

    Re-order pin-code (by mail)

    20,-

    Retrieve pin-code in online banking 1. time

    0,-

    Retrieve pin-code in online banking 2. time

    20,-

    Emergency cash when card is lost abroad

    850,-

  • Annual fee

    0,-

    Annual fee, additional card for spouse

    0,-

    Replacement card

    0,-

    Costs for using the card

    Purchases in and outside Norway

    0,-

    Cash withdrawal in ATMs, in a bank, abroad or in Norway

    NOK 40 + 1 % of withdrawals

    Cash withdrawals from ATMs or counters abroad
    NB! Some ATMs abroad charge a separate fee.

    0,-

    Transfer from credit card to account

    25,- + 1 % of the transferred amount

    Bill payment

    25,- + 1 % of the transferred amount

    Using a credit card at a Post Office, Post in a shop and paying bills is considered cash withdrawal over the counter.

    Interest

    Nominal interest rate

    21,62 % p.a.

    Effective interest rate*

    23,90 % p.a.

    Based on an example of NOK 15,000 repaid over 12 months. Total credit amount is NOK 16,518.

    Other use

    Transaction fee for transactions in a foreign currency

    2,00 %

    Overdraft fee

    125,-

    Reminder fee

    regulated by government rate

    Fee for paper bill

    45,-

    Copy of bill

    20,-

    eFaktura

    0,-

    Payment

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

    Minimum amount to pay

    3,5% of used credit, minimum NOK 250,-

    Additional services

    Money back (1% cashback on all purchases, and 5% interest on earned balance).

    10,-

    ID theft insurance

    25,- per month

    Payment insurance

    0,6% of the amount owed is charged to your invoice every month

    * If you have a paper invoice or other additional services, these costs will be added to the minimum amount. For card agreements signed before 15 May 2019, the minimum amount is 2.5% of used credit, minimum NOK 250.

    ** When you use the card abroad or to withdraw foreign currency, the amount becomes converted to Norwegian kroner. The conversion rate is the rate on the settlement day in accordance to Mastercard plus a currency surcharge of 2 %.

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

  • Annual fee

    0,-

    Additional card

    0,-

    Replacement card

    0,-

    Costs for using the card

    Purchases in and outside Norway

    0,-

    Cash withdrawal in ATMs or in a bank in Norway

    NOK 40 + 1 % of withdrawals

    Cash withdrawal in ATMs or in a bank abroad*

    0,-

    Transfer from credit card to account

    25,- + 1 % of the transferred amount

    Bill payment

    25,- + 1 % of the transferred amount

    Interest

    Nominal interest rate

    21,62 % p.a.

    Effective interest rate

    23,90 % p.a.

    Payment

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

    Minimum amount to pay

    5 % of used credit, minimum NOK 300,-

    Based on an example of NOK 15,000 repaid over 12 months. Total credit amount is NOK 16,518.

    Other use

    Transaction fee for transactions in a foreign currency

    2,00 %

    Reminder fee

    regulated by government rate

    Overdraft fee

    125,-

    eFaktura

    0,-

    Fee for paper bill

    45,-

    Copy of bill

    20,-

    Additional services

    Money back (1% cashback on all purchases, and 5% interest on earned balance).

    10,- per month

    ID theft insurance

    25,- per month

    Payment insurance

    0,6% of the amount owed is charged to your invoice every month

    Streaming services

    If you pay with Mastercard Ung for streaming services such as Spotify and Netflix, you get a 20 % discount on the services you subscribe to, up to NOK 500 per year.

    * If you have a paper invoice or other additional services, these costs will be added to the minimum amount. For card agreements signed before 15 May 2019, the minimum amount is 2.5% of used credit, minimum NOK 250.

    ** When you use the card abroad or to withdraw foreign currency, the amount becomes converted to Norwegian kroner. The conversion rate is the rate on the settlement day in accordance to Mastercard plus a currency surcharge of 2 %.

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

  • Mikrocard

    150,- 

    Mikrocard for kids and youth

    0,-

    Replacement card

    150,-

PAYMENTS

  • One time security code (mobil app)

    0,-

    Code token*

    150,-

    Telephone bank, per call

    2,-

    Transactions between own accounts

    0,-

    Receipt (sticker)

    20,-

    Start stopped direct debit (AvtaleGiro)**

    3,-

    Search archives

    0,-

    Request statement by post (telephone bank)

    10,-

    Text message e-Invoice

    3,-

    Text message***

    3,-

     

     

     

  • Nettgiro/telegiro/mobilegiro/fixed giro(avtalegiro)

    Nettgiro/telegiro/mobilegiro/fixed giro(avtalegiro) from current account

    0,-

    Nettgiro/telegiro/mobilegiro/fixed giro(avtalegiro) from savingsaccount

    3,-

    Giro sent by post (Brevgiro)

    0,-

    Brevgiro per giro**

    14,-

    Brevgiro per giro in Senioraccount (not for sale) 

    7,-

    Receipt sticker and receipt list

    20,-

    Rejected brevgiro due to errors and lack of funds

    125,-

    Giro in bank

    Giro paid cash/giro paid by non customers

    150,-

    Giro paid directly from account

    100,-

    Giro without receivers accountnumber

    120,-

    Immediate payment

    Payments

    0,-

    **porto. No fee if delivered to our mailbox

  • Cash services in stores

    Withdrawals

    10,-

    Deposits

    0,-

    Machine deposits

    Deposits

    0,- (kr 10,- from 31.03.2023)

  • SWIFT incoming paid in EUR under EUR 50.000

    20,- (for the paper receipt)

    Other incoming SWIFT payments

    0-100 NOK

    0,-

    101-500 NOK

    20,-

    Over 500 NOK

    100,-

    SWIFT outgoing

    Payments in online banking to EU/EØS in EUR

    35,-

    Payments in online banking outside EU/EØS in other currencies

    55,-

    Foreign payments in NOK

    150,-

    Payments where all costs i Norway and abroad is covered by the sender(OUR)

    300,-

    Payments in a bank office/desk

    400,-

    Standing orders

    400,-

    Additional prices

    Correction of payment (missing/wrong iban/swift/accountnumber/insuffient funds)

    100,-

    Cancellation/rejection of received order

    100,-

    Cancellation of executed payment

    400,- + exchange rate costs and other costs abroad

     Investigations concerning executed payment

    400,- + other costs abroad (if demanded)

    Approved receipt on mail/fax

    100,-

  • Currency in our ATMs - customers in SpareBank 1 SR-Bank

    10,-

    Currency in our ATMs - customers in other banks

    75,-

  • Closure of account/transaction to other bank

    75,-

    Manual handling and payment of fixed giro on behalf of customer*

    75,-

    Manual bank statement, last transactions

    30,-

    Manual payroll transfer, per transaction

    25,-

    Additional per list

    60,-

    Transfers done by telephone via customer service or advicer

    100,-

    Processing fee

    300,-

    Redeem utbetalingsanvisning to account

    0,-

    *Price per giro in addition

  • Counting moneybox for SpareBank 1 customers

    0,-

    Coin rolls, coin exchanger and desk

    12,-

  • Bank draft/gift check (not for sale)

    Redeem a bank draft/gift check, non customers

    300,-

    Redeem a expired bank draft

    100,-

  • Open security deposit account at a bank office (customers)

    500,-

    Open security deposit account in online banking

    500,-

    Interest rate

    0,05 %

  • Bank statement printed in ATM

    0,-

    Copies

    Receipts/statements

    125,-

    Bankstatements older than 10 years

    Contact us

    Overdraft fee´s

    Overdraft interest p.a. (all accounts)

    19 %

    Fee for 1. time reminder

    35,-

    Fee for 2. time reminder

    35,-

    Become a customer without BankID

    Arrangement fee

    400,-

LOANS

  • Indicative prices for mortgages for private customers.

    Each loan application is assessed individually, and the price you get depends on, among other things, serviceability, security and risk. The prices for mortgages assume that you have a payroll account with SR-Bank and use the bank on a daily basis. In addition, it is assumed that the loan is convertible to SR-Boligkreditt AS, and that the loan is not in breach of the lending regulations.

    Submit a non-binding application today and one of our advisors will contact you!

  • Promotional interest for loan agreements paid out between 01.04.2023 and 30.09.2023

    Nominal interest until 30.06.2024     0.00%

    Promotional interest rate for loan agreements entered before 31 March 2023

    Nominal interest to 31.12.2023   0,00 %

    Ordinary interest

    Nominal interest

    4,24 %

    Effective interest

    4,76 %*

    *Nominal interest rate 0.00%* for 12 months then 4.24%, effective interest rate 4.76%, NOK 300,000 over 10 years, cost: NOK 75,805, total: NOK 375,805

  • Nominal interest

    4,34 %

    Effective interest

    4,49 %*

    Up to 85% of purchase price / sales value

    * Nominal interest rate 4.34%, effective interest rate 4.49%, 2 million o/30 years, cost: NOK 1,606,767, total: NOK 3,606,767

  • Within 85% of purchase price / sales value and convertible to SpareBank 1 Boligkreditt A / S or SR-Boligkreditt

    Nominal interest

    4,59 %

    Effective interest

    4,75 %*

    * Nominal interest rate 4.59%, effective interest rate 4.75%, 2 million o/30 years, cost: NOK 1,713,662 total: NOK 3,713,662

  • within 85% of purchase price / sales value and convertible to SpareBank 1 Boligkreditt A/S or SR-Boligkreditt

    Nominal interest

    From 4,59 %

    Effective interest

    4,72 %*

    * Nominal interest rate 4.59%, effective interest rate 4.72%, 4 million o/30 years, cost: NOK 3,400,432 total: NOK 7,400,432-

     

    Go to Boliglån for unge

  • Over 4 000 000,-

    Nominal interest

    4,64 %

    Effective interest

    4,77 %

    Between 2 000 000,- and 4 000 000,-

    Nominal interest

    4,79 %

    Effective interest

    4,96 %*

    Under 2 000 000,-

    Nominal interest

    5,04 %

    Effective interest

    5,29 %

    Up to 75% of purchase price / sales value.

    * Nominal interest rate 4.64%, effective interest rate 4.77%, 4 million o/30 years, cost: NOK 3,443,532 total: NOK 7,443,532

  • Over 4 000 000,-

    Nominal interest

    4,89 %

    Effective interest

    5,03 %

    Between 2 000 000 and 4 000 0000,-

    Nominal interest

    4,99 %

    Effective interest

    5,17 %*

    Under 2 000 000,-

    Nominal interest

    5,24 %

    Effective interest

    5,50 %

    Up to 85% of purchase price / sales value.

    *Effective interest calculated after NOK 2,000,000 over 30 years, NOK 2,900 in establishment costs and NOK 60 in forward costs. Cost NOK 1,887,925. Total NOK 3,887,925

  • Over 4 000 000,-

    Nominal interest

    4,64 %

    Effective interest

    4,78 %

    Between 2 000 000,- and 4 000 000,-

    Nominal interest

    4,79 %

    Effective interest

    4,97 %*

    Under  2 000 000,-

    Nominal interest

    5,04 %

    Effective interest

    5,30 %

    Up to 60% of purchase price / sales value.

    *Price example: 60%: Nominal interest rate 4.64%, effective interest rate 4.78%, 4 million o/30 years, cost: NOK 3,447,132 total: NOK 7,447,132

  • Fixed interest rates apply from 14.06.2022. Prices are subject to change at short notice.

    Fixed interest period 3 years

    Nominal interest

    4,30 %

    Effective interest

    4,46 %*

    Fixed interest period 5 years

    Nominal interest

    4,20 %

    Effective interest

    4,36 %*

    Fixed interest period 10 years

    Nominal interest

    4,10 %

    Effective interest

    4,25 %*

    Up to 75% of the value of the home

    * Effective interest calculated after NOK 2,000,000 over 30 years, NOK 2,900 in start-up costs and NOK 60 in forward costs. Cost 1 593 438,-. A total of 3 593 438,-

  • Nominal interest

    8,64 % 

    Quarterly fee

    0,33 %

    100 % use, effective interest

    10,28 %*

    50 % use, effective interest

    11,92 %

    20 % use, effective interest

    16,85 %

    *Price example: NOK 2,000,000 per year, nominal interest rate 8.64%, effective interest rate at 100% withdrawal: 10.28%. 50% withdrawal 11.92% and 20% withdrawal 16.85%

  • Cabin loan

    Nominal interest

    5,34 %

    Effective interest

    5,54 %

  • Car loan

    Up to 65 % of purchase price

    from 5,45 % (nom.)*

    6,86 % (eff.)

    From 65 - 80 % of purchase price    

    from 6,19 % (nom.)

    6,69 % (eff.)

    100 % of purchase price

    from 6,99 % (nom.)

    7,49 % (eff.)

    Kaskofritt car loan (from 30.000 - 100.000 kr).
    No kaskoinsurance required on the car

    from 13,75 %  (nom.)

    * Membership in LOfavør gives up to 0,30 % lower interest.
    **Membership in LOfavør gives up to 1,00 % lower interest

    Car loan for young adults, 18 - 34 years

    Fully comprehensive, to 65 % of purchase price                                                               from 5,45 % (nom)* 6,83 % (eff.)

    Fully comprehensive, from 65 %  to 85 % of purchase price

    from 6,05 % (nom.)*

     

    Fully comprehensive, 100 % of purchase price

    from 6,95 % (nom.)*

     

    *Membership in LOfavør gives up to 1,00 % lower interest

    Loan for electrical car

    Loan for electrical car, up to 65 % of purchase price

    from 5,15 % (nom.)*

     6,54 % (eff.)

    Loan for electrical car, from 65 % to 80 % of purchase price

    from 6,15 % (nom.)*

    Loan for electrical car, from 80 % 100 % of purchase price

    from 6,95 % (nom.)*

    * Membership in LOfavør gives 0,30 % lower interest.

    Caravan

    Same as car loan

    MC loans

    4,99 % (nom.)

    6,38 % (eff.)

    Boat loan

    Boat over 7 m with pledge in the Skipsregister up to 65 % of purchase price

    from 6,25 % (nom.)*

     7,19 % (eff.)

    Boat over 7 m with pledge in the Skipsregister from  65 % - 80 % of purchase price

    from 7,75 % (nom.)*

    Boat under 7 m under 65 % of purchase price

    from 7,49 % (nom)**

    10,16 % (eff.)

    * Membership in LOfavør gives up to 0,30 % lower interest.

    ** Membership in LOfavør gives up to  1,00 % lower interest.

    Other terms and conditions

    Instalment fees

    from 70,-*

    Arrangement fee

    from 2.200,-*

    Arrangement fee for Kaskofritt billån

    fra 3.733,-*

    Arrangement fee for loan for electrical car

    1.200,-

    Register car judicially

    1.516,-

    Register boat judicially

    2.531,-

    Arrangement fee for boat loan

    from 5.000,-

    Deferment on loans

    750,-

    Arrangement fees for car loan for young adults

    2.000,-*

    *LOfavør members har benefits and lower prices

  • Consumer loans

    Interest

    12,50 %

    Arrengement fee

    500,-

    Instalment fee

    0,-( kr 49,- with invoice by regular mail)

    Refinancing

    Instalment fee

    49,-

    Risk-based interest rate

    From 6,5 % to 16,5 %

    Credit account

    Interest

    From 17,40 %

    Instalment fee

    50,-

    Late payment fee: according to goverment rates

    Consumer loans are provided by SpareBank 1 Kreditt.

    Go to consumer loan

    Price example consumer loan: effective interest rate 13.6%, NOK 70,000 o/5 years, cost NOK 25,166, total NOK 95,166.

    Price example refinancing nominal interest 10.9%, effective interest 12.2%, 150,000 over 5 years, cost NOK 48,173, total NOK 198,173

  • Arrangement fee, loan

    from 2.900,-

    Arrangement fee, construction loan

    from 5.000,-

    Addition per person(exeeding 1 household)

    1.000,-

    Addition, intermediate financing

    1.500,-

    Instalment fee

    60,-

    Instalment fee, Flexiloan and Fixed rate loan

    70,-

    Deferment on loans and other changes

    750,- 

    Changes on fixed rate loans

    from 2.900,- 

    Changes on security

    1.000

ACCOUNT AND SAVINGS

  • Interest rates

    Current account

    0,00 %

    Senioraccount(not for sale)

    0,00 %

    Compare our prices with other banks at www.finansportalen.no

  • Regardless amount

    2,45 % (2,80 % from 09.05.23.)

    Compare our prices with other banks at www.finansportalen.no

  • Up to 36 years*

    4,65 % (5,00 % from 09.05.23.)

    BSU over 36 years

    2,45 % (2,80 % from 09.05.23.)

    Customers keep the BSU interest rate until your 36 years. If you keep your BSU after this, the interest rate is the same as on a regular savings account.

    Compare our prices with other banks at www.finansportalen.no

  • Amounts under 500 000,-

    1,10 % (1,40 % from 09.05.23.)

    Amounts over 500 000,-

    1,30 %  (1,65 % from 09.05.23.)

    For amounts exceeding 15 mill. kroner, please contact us.

    Compare our prices with other banks at www.finansportalen.no

  • Amounts from kr 0 - 100 000,-

    1,70 % (1,95 % from 09.05.23.) 

    Amounts from kr 100 000 - 500 000,-

    1,90 %  (2,05 % from 09.05.23.)

    Amounts from kr 500 000 - 2 000 000,-

    2,75 % (2,95 % from 09.05.23.)

    Amounts over 2 000 000,-

    2,75 % (2,95 % from 09.05.23.)

    *NOK 200 per withdrawal afterfour withdrawals.

  • 12 months*

    4,00 % nom.**

    24 months*

    3,70 % nom. **

    Minimum amount 50.000,-

    Withdrawal fee for withdrawals before the end of the agreement

    4 %

    * Prices apply to personal customers up to NOK 15 million. For deposits above NOK 15 million, or for offers at other terms, contact the bank.

    **Interests can be changed on short notice

    Compare our prices with other banks at www.finansportalen.no

  • Individual retirement savings account

    1,30 % (1,40 % from 09.05.23.)

    Annual cost

    0,-

  • Amount over 500.000 for the period starting 25th every month, ending the 15th the next month. From 25.08.2022 deposits over 2 mill. vil get same interest as regular savingsaccount

    3,00 %

    Amounts under 500.000

    1,30 % (1,65 % from 09.05.2023)

    Compare our prices with other banks at www.finansportalen.no

SHARES AND SECURITIES

  • Real-time stock market data on our web sites,  without order depth and streaming

    0,-

    Real-time stock market data on our web sites,  without order depth and with streaming

    15,-

    Real-time stock market data on our web sites,  without order depth and with streaming

    135,-

    Real-time stock market data on our web sites,  without order depth and with streaming for proffesionals

    370,-

    Brokerage fee: 0,05 % per trade, minimum 95,-

    If you choose real-time without streaming you have to update your browser to get real-time data. Real-time with streaming is dynamic, and information is updated automatic.

  • Purchases vie phone SpareBank 1 Markets (51202525)

  • Total values as at 31 December

    Under  NOK 100,000

    NOK 0,-

    NOK 100,000 - NOK 1,000,000

    NOK 400,-

    NOK 1,000,000 - NOK 3,000,000 (per million or part thereof)

    150,-

    More than NOK 3,000,000 (per million or part thereof)

    125,-

    Foreign securities if inventory 1st of January

    1000,-

  • Purchase fee (depending on type of bond)

    0,00 - 0,90 %

    Sales fee

    0,00 - 0,90 %

    Managment fee

    0,20 - 0,50 %

  • Purchase fee (depending on type of fund and amount)

    0,00 %

    Sales fee

    0,00 %

    Managment fee

    0,40 %

LEGAL SERVICES

  • Drafting of cohabitation agreement

    1290,- (VAT included)

  • Drafting of will

    2990,- (VAT included)

  • Drafting of lasting power og attorney (LPA)

    2490,- (VAT included)

  • Drafting of gifts and advances on inheritance

    1490,-(VAT included)

Last updated 28.03.2023.

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