Pricelist

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 SR-Bank 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

0,-

* The owner of the mini-bank may charge a separate fee for withdrawals at other mini-banks. Price information will be displayed during the withdrawal

Annual fee

Visa with ID

395,- 

Visa without ID

0,-

Withdrawals in SpareBank 1 SR-Bank 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

0,-

Emergency cash when card is lost abroad

850,-

* The owner of the mini-bank may charge a separate fee for withdrawals at other mini-banks. Price information will be displayed during the withdrawal.

Annual fee

Visa with ID

395,- 

Visa without ID

300,-

Cash witdrawals and purchases

Withdrawal from SpareBank 1 SR-bank ATM`s 

10,-

Withdrawals at other ATMs in Norway

10,- *

Purchasing goods in Norway and abroad

0,-

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

0,-

Emergency cash when card is lost abroad

850,-

* The owner of the mini-bank may charge a separate fee for withdrawals at other mini-banks. Price information will be displayed during the withdrawal

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 at ATM or counter abroad in local currency *

NOK 40 + 1 % of withdrawals

Note! Some ATMs abroad may charge their own fee. Cash withdrawals abroad that are charged in Norwegian kroner are priced as cash withdrawals in Norway.

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.

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,-

Minimum amount to pay

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

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

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 at ATM or counter abroad in local currency *

Note! Some ATMs abroad may charge their own fee.
Cash withdrawals abroad that are charged in Norwegian kroner are priced as cash withdrawals in Norway.

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.

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,-

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

Mikrocard

150,- 

Mikrocard for kids and youth

0,-

Replacement card

150,-

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

Withdrawals

10,-

Deposits

0,-

Deposits

10,- 

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,-

*The amount must be transferred in the recipient country's currency or in euros.

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,-

Cut-off times, value dating and transfer times

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,-

Campaign interest rate for loan agreements disbursed during the period

Campaign interest rate for loan agreements disbursed between 01.10.2023 and 31.03.2024

Nominal interest to 31.12.2024   0,00 %

Campaign interest rate for loan agreements disbursed before 31.03.2023.

Nominal interest to 31.12.2023   0,00 %

Between 01.04.2023 and  30.09.2023

Nominell rente til og med 30.06.2024: 0,00%

Between 01.10.2023 and 31.03.2024 

Nominell rente til og med 31.12.2024: 0,00%

Ordinary interest

Nominal interest

5,54 %

Effective interest

5,27 %*

Nominal interest

5,64 %

Effective interest

5,85 %*

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

Nominal interest

5,74 %

Effective interest

5,96 %*

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

Nominal interest

From 5,84 %

Effective interest

6,03 %*

Over 4 000 000,-

Nominal interest

5,94 %

Effective interest

6,14 %

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

Nominal interest

6,04 %

Effective interest

6,27 %*

Under 2 000 000,-

Nominal interest

6,19 %

Effective interest

6,50 %

Over 4 000 000,-

Nominal interest

6,19 %

Effective interest

6,40 %

Between 2 000 000 and 4 000 0000,-

Nominal interest

6,24 %

Effective interest

6,48 %*

Under 2 000 000,-

Nominal interest

6,39 %

Effective interest

6,71 %

Over 4 000 000,-

Nominal interest

5,94 %

Effective interest

6,14 %

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

Nominal interest

6,04 %

Effective interest

6,28 %*

Under  2 000 000,-

Nominal interest

6,19 %

Effective interest

6,51 %

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

Fixed interest period 3 years

Nominal interest

5,09 %

Effective interest

5,28 %*

Fixed interest period 5 years

Nominal interest

4,84 %

Effective interest

5,02 %*

Fixed interest period 10 years

Nominal interest

4,74 %

Effective interest

4,92 %*

Nominal interest

9,94 % 

Quarterly fee

0,33 %

100 % use, effective interest

11,58 %*

50 % use, effective interest

13,22 %

20 % use, effective interest

18,15 %

*Price example: NOK 2,000,000 per year, nominal interest rate 9,79 %, effective interest rate at 100% withdrawal: 11,43 %. 50% withdrawal 13,07 % and 20 % withdrawal 18 %

Cabin loan

Nominal interest

6,64 %

Effective interest

6,91 %

Nominal interest rate 6,64 %, effective interest rate 6,91 %, 2 million o/30 years, cost: NOK 2.645.677,- total: NOK 4.645.677,-

Up to 65 % of purchase price

from 6,69 % (nom.)*

7,92 % (eff.)

From 65 - 80 % of purchase price    

from 7,69 % (nom.)

 8,99% (eff.)

100 % of purchase price

from 8,49 % (nom.)

9,86 % (eff.)

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

from 13,75 %  (nom.)

Fully comprehensive, to 65 % of purchase price 

from 6,69 % (nom)* 7,89 % (eff.)

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

from 7,29 % (nom.)* 
8,53 % (eff.)

Fully comprehensive, 100 % of purchase price

from 8,19 % (nom.)*
9,50 % (eff.)

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

from 6,39 % (nom.)*

 7,43 % (eff.)

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

from 7,69 % (nom.)*
 8,99 % (eff.)

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

from 8,49 % (nom.)*
 9,86 % (eff.)
 

MC loans

Same as car loan

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

from 7,49 % (nom.)*

 8,52 % (eff.)

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

from 8,49 % (nom.)*

 9,60 % (eff)

Boat under 7 m under 65 % of purchase price

from 8,99 % (nom)**

10,92 % (eff.)

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,-*

Interest

13,40 %

Arrengement fee

500,-

Instalment fee

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

Refinancing

Instalment fee

49,-

Risk-based interest rate

From 8,00 % to 19,90 %

Credit account

Interest

From 17,40 %

Instalment fee

50,-

Late payment fee: according to goverment rates

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

Interest rates

Current account

0,00 %

Senioraccount(not for sale)

0,00 %

Regardless amount

4,25 %

Up to 36 years*

6,50 %

BSU over 36 years

4,00 %

Amounts under 500 000,-

2,75 %

Amounts over 500 000,-

2,95 %

Amounts from kr 0 - 100 000,-

3,50 %

Amounts from kr 100 000 - 500 000,-

4,00 %

Amounts from kr 500 000 - 2 000 000,-

4,50 %

Amounts over 2 000 000,-

4,50 %

6 months*

4,50 % nom.**

12 months*

4,80 % nom.**

24 months*

4,00 % nom. **

Minimum amount 50.000,-

Withdrawal fee for withdrawals before the end of the agreement

4 %

Individual retirement savings account

2,95 %

Annual cost

0,-

Amount from  NOK 500 000 to 2 000 000,-

4,20 %

Amounts under NOK 500 000,-

2,75 %

Amounts exceeding NOK 2 000 000,-

2,95 %

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,-

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 %

Drafting of cohabitation agreement

1990,- (VAT included)

Drafting of will

2990,- (VAT included)

Drafting of lasting power og attorney (LPA)

2990,- (VAT included)

Drafting of gifts and advances on inheritance

1490,-(VAT included)