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,-

    Purchases in Norway

    0,-

    Transaction fee for transactions in a foreign currency

    2,00 %

    Visa cash withdrawal abroad

    0,-

    Other use

    Replacement card

    0,-

    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

    300,-

    Visa without ID

    0,-

    *First card is free for Alltid 18-33 and Lofavør Brukskonto 18-34

    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

    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

    300,-

    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,-

    Replacement card sent to you when abroad

    100,-

  • Montly price for Alltid Pluss

    60,-

    Alltid Pluss contains:
    Up to two cards without annual fee
    No fees on withdrawals abroad
    Free security code device
    Emergency cash if you loose your card abroad, no fee

    Annual fee

    Visa with ID

    0,-

    Visa without ID

    0,-

    All cards are free in Alltid Pluss (2 cards per account)

    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

    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

    0,-

  • Annual fee

    Visa with ID

    300,-

    Visa without ID

    300,-

    Cash witdrawals and purchases

    Withdrawals in SpareBank 1 ATMs

    10,-

    Withdrawals in other ATMs in Norway

    10,-

    Purchases in Norway

    3,-

    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,-

    Purchases in Norway and abroad

    0,-

    Arrangement fee

    0,-

    Repayment

    0 % interest on purchases for up to 45 days. Interest accrues from the first due date

    Interest

    Nominal interest rate

    21,62 % p.a.

    Effective interest rate*

    23,90 % p.a.

    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,-

    Fee for eFaktura/eFaktura combined with avtalegiro

    0,-

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

    Other use

    Transfer from credit card to account

    25,- + 1 % of the transferred amount

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

    40,- +1 % of the amount

  • Annual fee

    0,-

    Additional card

    0,-

    Purchases in Norway and abroad

    0,-

    Arrangement fee

    0,-

    Repayment

    0 % interest on purchases for up to 45 days. Interest accrues from the first due date

    Interest

    Nominal interest rate

    21,62 % p.a.

    Effective interest rate*

    23,90 % p.a.

    Transaction fee for transactions in a foreign currency

    2,00 %

    Overdraft fee

    Reminder fee

    regulated by government rate

    Fee for paper bill

    45,-

    Fee for eFaktura/eFaktura combined with avtalegiro

    0,-

    Copy of bill

    20,-

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

    Other use

    Transfer from credit card to account

    25,- + 1 % of the transferred amount

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

    40,- +1 % of the amount

  • Mikrocard

    150,- *

    Mikrocard for kids and youth

    0,-

    Replacement card

    150,-

    * Alltid Pluss 0,-

PAYMENTS

  • One time security code (mobil app)

    0,-

    Code token*

    100,-

    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,-

    * Free in Alltid Pluss

    ** Free on all Alltid accounts and invoice account

    *** Text message is free in Alltid Pluss an Alltid 0-18

    Text message banking

    Price per text message***

    3,-

    Transactions between own accounts

    ,-0

    *** Free in Alltid 0-18

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

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

    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

    75,-

    Giro without receivers accountnumber

    120,-

    Immediate payment

    Payments less than 5.000,-

    10,-

    Payments over 5.000,-

    75,-

    Postpone payment

    Postpone payment, per payment

    99,-

    **porto. No fee if delivered to our mailbox

  • Withdrawals

    10,-

    Deposits

    0,-

  • 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

    35,-

    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

    Urgent payment

    400,-

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

    65,-

    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,-

    Redeem  check (utbetalingsanvisning), cash

    150,-

    Redeem check (utbetalingsanvisning), cash for non-customers

    300,-

    *Price per giro in addition

  • Counting moneybox for SpareBank 1 customers

    0,-

    Coin rolls, coin exchanger and desk, SpareBank 1 SR-Bank customers

    5,-

    Coin rolls, coin exchanger and desk, not customers

    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)

    1000,-

    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

    70,-

    Fee for 2. time reminder

    70,-

LOANS

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

    from 1,69 % (nom.) 1,78 % (eff.)

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

    from 1,79 % (nom.)
    1,88 % (eff.)

  • Up to 75% of purchase price / sales value and convertible to SpareBank 1 Boligkreditt A / S, or SR-Boligkreditt A / S.

    Over 2. mill.

    from 1,99 % (nom.)
    2,08 % (eff.)

    up to 2. mill.

    from 2,24 % (nom.)
    2,50 % (eff.)

     Effective rate calculated from 2,000,000, - over 25 years
    ( Arrangement fee,  kr 1900 -  deposit fees kr 1000, -)

  • Mortgages up to 85% of purchase price / sales value and convertible to SpareBank 1 Boligkreditt A / S, or SR-Boligkreditt A / S. Prerequisite: No invoice notice or payment remarks last year *

    Over 2 mill.

    from 2,19 % (nom.) 2,28 % (eff.)

    Up to 2 mill.

    from 2,44 % (nom.) 2,61 % (eff.)

    * Effective rate calculated from 2,000,000, - over 25 years
    ( Arrangement fee,  kr 1.900 -  deposit fees kr 1000, -)

  • Up to 60% of purchase price / sales value and convertible to SpareBank 1 Boligkreditt A / S, or SR-Boligkreditt A / S *

    Over 2. mill.

    from 1,99 % (nom.)
    2,08 % (eff.)

    Under 2. mill.

    from 2,24 % (nom.)

    2,42 % (eff.)

    * Effective rate calculated from 2,000,000, - over 25 years, arrangement fee,  kr 950 -  deposit fees kr 1000, - and 70,- monthly fee)

  • 10 years fixed rate

    from 2,09 % nom – (2,19 % eff)

    5 years fixed rate

    from 1,84 % nom – (1,94 % eff)

    3 years fixed rate

    from 1,64 % nom – (1,74 % eff)

    *Effective rate calculated from 2,000,000, - over 25 years
    ( Arrangement fee,  kr 1.900 -  deposit fees kr 1000, -)

  • Construction loan

    from 5,69 % (nom.)

    Quarterly fee

    from 0,25 %

  • Cabin loan

    from 2,44 %

  • Car loan

    Up to 65 % of purchase price

    from 2,99 % (nom.)*

    From 65 - 80 % of purchase price    

    from 3,95 % (nom.)

    100 % of purchase price

    from 4,95 % (nom.)

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

    from 13,75 %  (nom.)

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

    Car loan for young adults, 18 - 34 years

    Fully comprehensive, to 65 % of purchase price                                                               from 2,99 % (nom)

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

    from 3,55 % (nom.)*

    Fully comprehensive, 100 % of purchase price

    from 4,65 % (nom.)*

    Partly comprehensive, from 65 % - 80 % of purchase price

    from 4,35 % (nom.)*

    Partly comprehensive, 100 % of purchase price

    from 4,95 % (nom.)*

    *Membership in LOfavør gives 1,00 % lower interest

    Loan for electrical car

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

    from 2,69 % (nom.)*

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

    from 3,65 % (nom.)*

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

    from 4,65 % (nom.)*

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

    Caravan and motorhome

    Caravan unregistered, up to 65 % of purchase price

    from 8,70 % (nom.)

    Motorhome up to 65 % of purchase price

    from 7,75 % (nom.)

    Boat loan

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

    from 3,75 % (nom.)*

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

    from 4,75 % (nom.)*

    Boat under 7 m under 65 % of purchase price

    from 4,95 % (nom)**

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

    ** Membership in LOfavør gives 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

  • Interest

    from 6,90 %

    Lowest interest

    6,90 %

    Average interest

    12,40 %

    Highest interest

    15,90 %

    Arrengement fee

    950,-

    Instalment fee

    70,-

  • Fees regarding judicially registration

    from 1.000,-

    Instalment fee

    60,-

    Instalment fee, Flexiloan and Fixed rate loan

    70,-

    Arrangement fee, loan

    from 1.900,-

    Arrangement fee, loan for young adults 18 - 34 years

    from 1.900,-

    Deferment on loans and other changes

    750,- 

    Changes on fixed rate loans

    from 2.900,- 

ACCOUNT AND SAVINGS

  • Interestrates

    Alltid, Alltid 18-33, Alltid 0-18, Bruksaccount

    0,00 %

    Alltid Pluss

    0,10 %

    Senioraccount(not for sale)

    0,05 %

  • Regardless amount

    1,05 % (0,85 % from 8th of July 2020)

  • Up to 36 years*

    3,15 %  (2,75 % from 8 of July 2020)

    BSU over 36 years

    0,50 % (0,25 % from 8th of July 2020)

    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.

  • Amount 0 - 500.000

    0,30 % (0,10 % from 8th of July 2020)

    Amounts over 500.000

    0,50 % (0,25 % from 8th of July 2020)

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

  • Amount over 100.000 (for the period starting 25th every month, ending the 15th the next month).

    0,75 %

  • 12 months*

    0,50 % nom.**

    24 months*

    0,60 % nom.**

    Minimum amount 50.000,-

    * 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

    For all agreements effected from 3 September 2016, a 4% withdrawal fee will be calculated in case of breach of the agreement. Agreements effected before this will have calculated over / under rate in case of breach of the agreement

  • Individual retirement savings account

    0,40 %

    Annual cost

    0,-

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

    0,00 %

    Sales fee

    0,00 %

    Managment fee (depends on type of fund)

    up to 2,5 %

  • 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 %

Last updated 25.05.2020.