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Extract of pricelist
SpareBank 1 Østfold Akershus

 

PAYMENT                                                                                                     

 

Advance programs Monthly fee

Monthly fee for customers aged 18 and over. No daily charges for the use of all payment services which are everyday necessities. Manage your own funds when using cards and making electronic bill payment.

 

 Monthly fee LOfavør members NOK 30,00

 Monthly fee students  13-33 years

Free

 Monthly fee adults 18-23 years

NOK 20,00

 Monthly fee adults 24-66 years

NOK 30,00

Monthly fee seniors 67 years +

Free

Fee free elements included:

 

Annual charge SpareBank 1 VISA card

 

 Students 13-33 years:
Using a Visa card to purchase goods in Norway and abroad

 

LOfavør members, adults and seniors:
Using a Visa card to purchase goods in Norway and abroad -  purchases higher  than  kr 200,-

 
Domestic payment into online bank account (Nettgiro) from current account

 

Domestic payment into mobile bank account (Mobilgiro) from current account  
Payment using AvtaleGiro/TeleGiro from current account

 

Cash withdrawals from SpareBank 1's ATM machines

 

50% off  - SMS notification services  
  • Annual charge Mastercard / Visa Gold credit card
  • Using a MasterCard / Visa Gold credit card to purchase goods in Norway and abroad.
  • Travel insurance and travel cancellation insurance when travel is paid for by credit card.
  • Interest free deferment of payment, 0% interest for up to 45 days

 

Prices of each service

 

NB! Advance programs have monthly fee but no daily charges for the use of all payment services which are everyday necessities. No monthly fee for customers aged 17 and under.  

Agreement on standing orders (AvtaleGiro)

 

Agreement on standing orders (AvtaleGiro)

NOK 1,00

Bankboks

 

Bankboks (ca 5 cm) pr. år inkl. mva

313,00 kr

Bankboks (ca 10 cm) pr. år inkl. mva

470,00 kr

Bankboks (ca 20 cm) pr. år inkl. mva

689,00 kr

Bankboks (ca 30 cm) pr. år inkl. mva

889,00 kr

Bankboks (ca 40 cm) pr. år inkl. mva

1002,00 kr

Oppbevaring i 1 mnd (bankens hvelv) inkl. mva

626,00 kr

Deretter pr. mnd inkl. mva

125,00 kr

Skifting av lås inkl. mva  - avhengig av låstype

fra   505,00 kr 

BankGiro

Pris

Giro kontant fremmede kunder

100,00 kr

Giro kontant egene kunder

80,00 kr

Giro belastet konto

35,00 kr

Kvittering (avkrysset på giro)

10,00 kr

Giro belastet direkte i kassen

55,00 kr

Advisert giro (mottakers kontonummer mangler)

50,00 kr

Heving utbetalingsanvisning ikke SB1-kunder

50,00 kr

BBS retur av giro uten dekning

45,00 kr

BBS retur av giro med feil utfylling

45,00 kr

 Cheques

Pris

Issuing bank remittance orders/gift cheques

NOK 30,00

Honouring cheques made out to myself NOK 30,00
 Payments with  Giro forms

Pris

Giro paid in the bank

NOK  8,00

Receipt by post

NOK  7,00

Giro paid in the bank without the beneficiary's account details

NOK 50,00

Return of giro paid in the bank without the beneficiary's account details.

NOK 45,00

Div.

Pris

Ordering account statement

NOK 20,00

Sending  faxes - receipts for clients

NOK 75,00

Cash withdrawals - counter - other banks' clients

NOK 95,00

Cash withdrawals - counter - clients

Free

Making depostis into account  
Coins and bills using the deposit machine - clients

Free

Coins and bills using cashier - clients Free
Coins and bills using cashier - not clients

NOK 75,00

Standing orders to other beneficiaries

Pris

Within nearest family

Free

Each transfer with a message

NOK 25,00,-

Each transfer no message

NOK 15,00,-

Single transfer phone/ fax

NOK 20,00,-

Mobile banking

Pris

Enqiry and notifications services 

NOK 3,00,-

Enqiry and notifications services, 50% off - clients with advance program. (LOfavør members, Students, Adults and Seniors)

NOK 1,50,-
Transfer between own acounts Free

Online banking

Pris

Bank ID annual charge

Free

Code reader linked to BankID

Free

Extra code reader linked to BankID

50,00 kr

Delivered over the internet (Nettgiro), via telephone or via mobile device (Mobilgiro) no KID number

2,00 kr

Delivered over the internet (Nettgiro), via telephone or via mobile device (Mobilgiro) / KID number

3,00 kr

Receipts

5,00 kr

Ordering account statement

10,00 kr

Transfer between own account

Free

Ordering account statement fax

5,00 kr

Sette i gang stoppet betaling??

10,00 kr

 Telephone banking

 
 Bank ID annual charge Free 
 Code reader linked to BankID Free 
 Extra code reader linked to BankID NOK 50,00,- 
 Delivered over the internet (Nettgiro), via telephone no KID number NOK   3,00,- 
 Receipts NOK   5,00,- 
 Ordering account statement NOK  10,00,- 
 Ordering account statement delivered to fax NOK    5,00,- 
Transfer between own account Free
 Purchasing coin rolls  
 Purchasing coin rolls - customers per roll NOK  3,00,- 
 Purchasing coin rolls - not customers per roll NOK  7,00,- 

Rekvisisjon av giro/sjekk kopier (eksternt)

Pris

Kopi av bankgiro inntil 3 mnd. pr. giro

40,00 kr

Kopi av bankgiro over 3 mnd. pr. giro

150,00 kr

Rekvisisjon av bilagskopier - internarkiv

Pris

Kopi av bilag fra bankens arkiv - pr. bilag

20,00 kr

Credit Card

Pris

Interest free deferment of payment 0% interest for up to 45 days

Annual charge

Free

Additional card

150,00 kr

Using a card to purchase goods in Norway and abroad

Gratis

Cash withdrawals from ATM machines

35,00 kr  + 1% of the withdrawal

Cash withdrawals at the counter

75,00 kr + 1% of the withdrawal

SpareBank 1 Visa Electron card

Pris

 Annual charge

NOK 175,00

Withdrawals from SpareBank 1's ATM machines - opening hours

Free

Withdrawals from SpareBank 1's ATM machines between kl.18.00 - kl.08.00, Sathurdays and Sundays

NOK   3,00

Withdrawals from other banks' ATM machines abroad
In addition 0,5% of the withdrawal and 1,75 % currency fee.

NOK 20,00

Using a card to purchase goods in Norway and abroad

NOK   2,50

Ordering replacement for lost or damaged card

NOK 100,00

SpareBank 1 Visa card

Pris

 Annual charge Visa card with no ID

NOK 250,00 kr

Annual charge Visa card with ID

NOK 300,00 kr

Withdrawals from SpareBank 1's ATM machines - opening hours

Free

Withdrawals from SpareBank 1's ATM machines
 18.00 pm - 08.00 am,  Sathurdays and Sundays

NOK  3,00

Withdrawals from other banks' ATM machines

NOK  7,00

Withdrawals from other banks' ATM machines abroad. In addition 0,5%  of the withdrawal and 1,75 % currency fee.

35,00 kr

Currency withdrawals from SpareBank 1's ATM machines ?
Emergency cash abroad

850,00 kr

Emergency card abroad

1150,00 kr

Emergency card

310,00 kr

Using a card to purchase goods in Norway and abroad

2,50

Ordering replacement for lost or damaged card

100,00 kr

Foreign currency - customer's purchase

Price

Foreign currency - customer's purchase

NOK  20,00,-

Per transaction, non-customer

NOK 100,00,-

 Foreign currency - customer's sale

Price

Per transaction, own customer

NOK 20,00,-

Per transaction, non-customer

NOK 100,00,-

Foreign cheques > NOK 100

90,00 kr + 0,6% of NOK amount

Foreign cheques < NOK 100

NOK  20,00,-

Traveller cheques, per cheque

NOK  20,00,-

Pension cheques

NOK  50,00,-

Cross boarder payments and national payments via SWIFT

 

 

 

When making a cross boarder payment there will be charges both in sending, receiving bank and intermediary bank.
Hence, you should decide who is going to pay the charges.
We also refer to Rygge-Vaaler Sparebank's regulations regarding crossboarder payments as well as information regarding IBAN and SWIFT/BIC. *)
 See
www.rvs.sparebank1.no

 

Low value payments-STP MT103+ Internet Banking
(sending / receiving)

Price

Only electronic submission, amount < EUR 50,000.- / SEK 500,000,- and payment has to be sent to/from an EU/EEA country.
Requirements: IBAN and BIC/SWIFT (8 or 11 degits) and charges must be set to share (SHA) according to EU regulation 2560/2001. For outgoing payments must Toll og Avgiftsdirektoratets codes and reason for payment be filled in.

NOK 40,00,-               1*)

Other outgoing payments and payments that do not meet low value payments

 

Received from Internet banking, any amount with IBAN/BBAN and BIC/SWIFT + bankcode, if applicable

NOK 60,00,- 
 *)

Other payments, below / above NOK 2,000 with IBAN/BBAN and BIC + bankcode, if applicable

NOK 70,00,- / 150,00,-
*)

SWIFT payments within Norway in NOK with IBAN/BBAN and BIC, received within 3pm (2:30pm) will be paid value same day to receivers bank

NOK 50,00,-
4)

Urgent payment, charges in addition to above

 

amount from 0-20,000

NOK 160,00,-

amount from 20,001 -1,000,000

NOK 310,00,-

amount from 1,000,001 <

NOK 910,00,-

Foreign banks costs, for senders expense/account, is charged in addition with

 

Depending on the country/bank/amount, contact foreign department. From NOK                                                     

35,00
2)

International cheques

 

Amount below/above countervalue of NOK 1,000

NOK 100,00,- / 250,00,-

Additional charges/postage if we are to send the cheque

NOK 150,00,-

Incoming payments that do not meet low value payment requirements

 

Up to NOK 100

 Free

From NOK 100,01 - NOK 2,000 / above NOK 2,000

NOK  40,00,- / 90,00,-

Urgent payments, in additon

 

NOK   50,00,-

Miscellaneous charges, if any, are additional

 

Correction of payment received with missing/wrong IBAN/BBAN and/or BIC/SWIFT

NOK  70,00
3)

Mistake from customer that require complaint/amendment/cancellation or stop order to a cheque

NOK 250,00
 3)

Payments without exchange

NOK  25,00

Payments sent in NOK through another Norwegian bank will be charged additional. Our recommondation: Convert into receivers currency if available or send in EUR or USD

NOK 100,00

Standing order/amendments to a standing order/manual payments falling due in the future

NOK  40,00

Any debit/credit advice regarding international payments/payments received by SWIFT

NOK 10,00

Copy of any statements from foreign department

NOK  40,00

Insufficient funds in the account submitted for assignment

NOK 100,00

Confirmation by fax/e-mail/SMS of any SWIFT payment, minimum

NOK 100,00

Charge accumulation, to be settled at least once a month, per settlement

NOK   25,00

Courier shipment, according to DHL's price list

 

Additional work and fees might apply

 

*) IBAN to countries that have adopted IBAN-standard and BBAN to other countries + bankcode to the
following countries; Australia:AU+6digits, Canada: CC+9digits, USA: FW+9digits,
 HongKong: HK+3digits, New Zealand: NZ+6digits, South Africe: ZA+6 digits and Russia: RU+9digits

 

1) SHA= sender pay charges in his bank and receiver pay charges in his bank
t to the burden of the banks actual paid expense

 

3) Charges abroad will be added

 

4) BBAN = your national account number

 

 

 

Øvrige priser

Pris

Gebyr depositumskonto

500,00 kr 

FINANCING

 

Car loan

Interest

SpareBank1 Finans Østlandet AS

from nominal interest rate 5,50 %

Mortgage

Interest

First time buyer mortage within 90% value - from nominal interest rate 3,45%.* Effective interest rate from 3,71%

Mortage from nominal interest rate 3,45%

Effective interest rate from  3,71%

Equity loan from nominal interest rate 3,45%


Construction loan

Interest / price

Construction loan

From nominal interest rate 7,65 %

1/3 % comission of total amount of loan  

Set up costs minimum

NOK 1.500,00

Administration fees

Price

Set up costs loans/ personal credit/ credit account - minimum

NOK 1500,00

Without notification

NOK    35,00
per month

With notification

NOK     50,00
per month

With giro

NOK     75,00
per month

Change of loan - from

NOK   150,00

Other fees concerning mortgages  
Instalment loan with security NOK 1000,00
Mortgage registration fee - personal property NOK 500,00
SAVINGS

 

Homeowner savings for young people (BSU)

 

 Interest

 4,75%

Savings account  
NOK 0 - 50.000 1,35%
NOK 50.000 - 100.000 1,65%
NOK 100.000 - 500.000 2,80%
NOK 500.000 - 1.000.000 2,95%
>1.000.000 3,05%
Fixed deposits  
Contact bank or telephone 05700  
Investor account  
 Contact bank or telephone 05700  

LOfavør savings account

 

 0 -1.000.000 2,95% 
>1.000.000 3,05%
Deposit account

NOK 500,-

 

 

Senior account - 67 years and older

0,10%

                          

 

Salary / expence account

0,10%

                

 

For all types of accounts, with the exception of fixed deposits less than 12 months savings , the interest is calculated from the first NOK and the interest is credited annual.

Savings accounts (All types): 12 free withdrawals or transacitons between own accounts per year. Thereafter a charge of 1% of each withdrawal or transaction.
 

 

 

 

Share trading using online bank Price per month
15 minutes delay Free
Real time NOK     15,00
Real time with order dept NOK    135,00
Market Monitor Light NOK      80,00
Market Monitor Light with Pocket Trader NIOK    330,00
Market Monitor without order dept NOK    210,00
 Market Monitor + Pocket Trader without depth NOK    460,00
 Market Monitor + with order depht NOK    320,00
 Market Monitor + Pocket trader with depht NOK    570,00
Pocket Trader without depht NOK     275,00
Pocket Trader with depht  NOK    380,00
Comission  0,05%
 Minimum comission NOK       95,00
 SECURITIES SERVICES / VPS ACCOUNT  PRICE

 Transfer of securities between accounts per ISIN

 

Transfer of entire holdings to another account NOK    150,00
Release of security to another broker NOK    100,00
Account fee from NOK 100 000 per year excl. fonds NOK     340,00 
Establishment / change of mortgage rights NOK     300,00 
Establishment of trade and question authority to other brooker companies than  Argo Securities  NOK     300,00 

 

Last amended 21.10.2013