Price list Personal

Price list for personal customers.

Payments
Cards
Loans
Savings
Shares and securities
Cross-border payments
Other services

Payments

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Payment services

Young	NOK 0
Ordinary price	NOK 3
Flexiloan	NOK 5
Cancel or stop payment order	NOK 5
Start stopped direct debit (AvtaleGiro)	NOK 3
Message due to insufficient funds	NOK 10
Receipt sticker	NOK 25
Giro sent by post (Brevgiro)
Per giro + postage as per Posten's rates	NOK 12
List of receipts	NOK 10
Receipt sticker	NOK 25
Return due to error or defect	NOK 150
Monthly fee	NOK 20
Arrangement fee	NOK 250
Transfer between own accounts	NOK 0 *
Transfer from credit card to own account	1 % av transferred amount, min. NOK 25

Immediate payment
NOK 0–5000	NOK 0
NOK 5,001 or more	NOK 50
* Savings accounts have 12 fee-free transfers / withdrawals per year, plus last year's interest rate. In addition to this, the withdrawal is priced at 2% of the withdrawal amount, min. NOK 20

Internet bank

Security code device	NOK 200
One-time security code via text message	NOK 0
BankID on mobile phone	NOK 0
Get pin code for card
First time	NOK 0
Reminder	NOK 15
Search archives, older than 6 months	NOK 5 per opened statement

Telephone bank

Request statement by post	NOK 12
Query services	NOK 6

Text message services

Text message banking for those under 18 years old	NOK 1
Text message banking for those over 18 years old	NOK 3
Text message notification	NOK 3
Approve eFaktura (eBill) via text message	NOK 3
Text message receipt for payment recipient	NOK 5

Manual services and production

Manual giro	NOK 150
Manual transfer between own or third party accounts	NOK 150
Additional charge for incomplete giro	NOK 50
Issuing of payment order	NOK 200
Encashment of payment order – crediting of account in SNN only	NOK 30
Additional dispatch of documents	NOK 12
Manual production
Bank statement/annual statement	NOK 150
Voucher/receipt, etc.	NOK 150
Roadside assistance certificate*	NOK 150
Travel insurance certificate*	NOK 150
Green card*	NOK 150
*can be ordered free of charge in the Internet or mobile bank
Electronic retrieval of copy of voucher from Nets
Vouchers up to 2 years old	NOK 107
Vouchers more than 2 years old	NOK 637
Manual retrieval of copy of voucher from Nets	NOK 637
Cash withdrawal over the counter
Available at selected branches. Up to 2 weeks order time.
Withdrawal fee	0.25% (min. NOK 250)

Vipps

See prices on vipps.no

Cards

Visa with ID (debit card)

Annual fee
Ordinary	NOK 450
Bruke Voksen	NOK 450
Bruke Ung Voksen	NOK 400
Everyone under 18 years old	NOK 0

Cash withdrawals
Adults	NOK 10
Children
from our cash machines	NOK 0
from other banks' cash machines	NOK 7

Visa cash advances in Norway and abroad
Cash machines	NOK 30 + 0,5 % of amount
Manual withdrawals in bank	NOK 60 + 0,5 % of amount
Foreign transaction fee for transactions in a foreign currency	2%

Purchases, incl. cash withdrawals
Bruke Voksen and Bruke Ung Voksen	NOK 0
Ordinary	NOK 2

PIN code
Get in internet bank, first time	NOK 0
Get in internet bank, reminder	NOK 15
Send by post	NOK 20
New PIN by post + replacement cards	NOK 120

Replace card (from 18 years old)	NOK 100

Visa without ID (debit card)

Annual fee
Ordinary	NOK 300
Bruke Voksen	NOK 300
Bruke Ung Voksen	NOK 250

Cash withdrawals
Adults	NOK 10
Children
from our cash machines	NOK 0
from other banks' cash machines	NOK 7

Visa cash advances in Norway and abroad	NOK 30 + 0,5 % of amount NOK 60 + 0.5 % of amount 2 %
Cash machines
Manual withdrawals in bank
Foreign transaction fee for transactions in a foreign currency

PIN code
Get in internet bank, first time	NOK 0
Get in internet bank, reminder	NOK 15
Send by post (from 18 years old)	NOK 20
New PIN by post + replacement card	NOK 120
Replace card (from 18 years old)	NOK 100
Purchase incl. cash withdrawals
Bruke Voksen and Bruke Ung Voksen	NOK 0
Ordinary	NOK 2

Replace card (from 18 years old)	NOK 100

SpareBank 1 Mastercard Young

Annual fee	NOK 0
Additional card	NOK 0
Replacement card	NOK 0
Cash withdrawals in cash maschines, or over the counter, in Norway Note that the use of credit cards at a post office and Post in Store is considered cash over the counter.	NOK 40 + ${products.kredittkort.price_minibank_prosentpaslag} % of amount
Cash withdrawals in cash machines or over the counter abroad	Free of charge
Payment: Interest-free payment deferral for up to 45 days. Interest accrues from the first due date. Repayment: 5% of used credit, minimum NOK 300.
Nominal interest rate	21.62% p.a.
Transfer from credit card to account	NOK 25 + 1 % av transferred amount
Foreign transaction fee	2%
Reminder fee	According to state rates
Overdraft fee	NOK 70
Bill fee
Paper bill	NOK 45
eFaktura (eBill)	NOK 0

SpareBank 1 Mastercard

Annual fee	NOK 0
Additional card	NOK 0
Replacement card	NOK 0
Cash withdrawals in cash maschines, or over the counter, in Norway Note that the use of credit cards at a post office and Post in Store is considered cash over the counter.	NOK 40 + ${products.kredittkort.price_minibank_prosentpaslag} % of amount
Cash withdrawals in cash machines or over the counter abroad	Free of charge
Payment: Interest-free payment deferral for up to 45 days. Interest accrues from the first due date. Repayment: 3.2% of used credit, minimum NOK 250. For card agreements signed before 15 May 2019, the minimum amount is 2.5% of the credit used, a minimum of NOK 250.	NOK 0
Nominal interest rate	21.62% p.a.
Transfer from credit card to account	NOK 25 + 1 % av transferred amount
Foreign transaction fee	2%
Reminder fee	According to state rates
Overdraft fee	NOK 125
Bill fee
Paper bill	NOK 45
eFaktura (eBill)	NOK 0

Loans

Charges for loans

Arrangement fees
Mortgages	From NOK 4,000
Building loans	0,25 %, min. NOK 10,000
Vendor's security loans	From NOK 2,400
Consumer loans	NOK 1,790
Consumer loans for the young	NOK 1,790

Instalment fees
Mortgages	NOK 60
Flexiloan	NOK 75
Vendor's security loans	NOK 95
Consumer loans	NOK 70

Change vendor's security loans / consumer loans	From
Exemption from repayment and interests (per month)	NOK 295
Exemption from repayment (per month)	NOK 295
Extension in excess of 6 months	NOK 1290
Extension up to 6 months	NOK 750
Extension in excess of 6 months, personal loan	NOK 0
Extension up to 6 months, personal loan	NOK 0
Remove co-borrower	NOK 750
Change to non-comprehensive	NOK 1290
Payment plan	NOK 50
Invoice copy via e-mail (per copy)	NOK 50
Copy of contract documents	NOK 50

Change loans
Change due date in Internet bank or mobile bank	NOK 0
Change due date through adviser	NOK 1000
Change instalment in Internet bank or mobile bank	NOK 0
Change instalment through adviser	NOK 1000
Extra loan payment in Internet bank or mobile bank	NOK 0
Extra loan payment through adviser	NOK 1000
Exemption from repayment	NOK 1000
Change security (registration fee is added, if necessary)	from NOK 1000
Change of guarantees	NOK 1500
Merger of loans	NOK 2500
Change from variable rate to fixed rate, and vice versa	NOK 1000

Costs for depositing securities
Per security	NOK 1300

Public costs: Registration of mortage documents
in real estate (paper/eletronically)	NOK 585/540
in housing associations (paper/electronically)	NOK 480/440
in movable property (vendor's sercurity)	NOK 1516
in movable property (vendor's sercurity) electronically	NOK 1051
by refinancing (within the same loan limit)	NOK 200

Mortgages within 50% of the property's appraised value

The loan must qualify for SpareBank 1 Boligkreditt with collateral of up to 75 % of the property’s appraised value.
Mortgages 50 %	from 5.75 % (eff. 5.99 %)*
* The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 5.99 %, NOK 2 million over 25 years, cost 1.799.438 NOK, total NOK 3.799.438

Mortgages within 75% of the property's appraised value

The loan must qualify for SpareBank 1 Boligkreditt with collateral of up to 75 % of the property’s appraised value.
Over NOK 4 000 000	from 5.75 % (eff. 5.95 %)*
* The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 5.95 %, NOK 4 million over 25 years, cost 3.574.077 NOK, total NOK 7.574.077
Over NOK 2 000 000	from 5.95 % (eff. 6.20 %)*
* The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.20 %, NOK 2 million over 25 years, cost 1.872.291 NOK, total NOK 3.872.291
Under NOK 2 000 000	from 6.25 % (eff. 6.60 %)*
* The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.60 %, NOK 1 million over 25 years, cost 1.003.808 NOK, total NOK 2.003.808

Mortgages within 85% of the property's appraised value

The loan must qualify for SpareBank 1 Boligkreditt with collateral of up to 85 % of the property’s appraised value.
Over NOK 4 000 000	from 5.90 % (eff. 6.11 %)*
* The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.11 %, NOK 4 million over 25 years, cost 3.683.230 NOK, total NOK 7.683.230
Over NOK 2 000 000	from 6.10 % (eff. 6.36 %)*
* The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 6.36 %, NOK 2 million over 25 years, cost 2.031.716 NOK, total NOK 4.031.716
Under NOK 2 000 000	from 6.64 % (eff. 7.02 %)*
* The effective interest rate has been calculated on the basis of a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Effective interest rate 7.02 %, NOK 1 million over 25 years, cost 1.076.744 NOK, total NOK 2.076.744

Mortgages for the young

The loan must qualify for SpareBank 1 Boligkreditt with collateral of up to 85 % of the property’s appraised value.
First home	from 5.49 % (eff. 5.72 %)*
* The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Price example: Eff. interest 5.72 %, 2 million over 25 years, cost NOK 1.705.743, tot. NOK 3.705.743
Mortage for the young	from 5.59 % (eff. 5.82 %)*
* The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment. Priceexample: Eff. interest 5.82 %, 2 million over 25 years, cost 1.741.643 NOK, tot. NOK 3.741.643

Green home mortgage

The loan must qualify for SpareBank 1 Boligkreditt with collateral of up to 85% of the property’s appraised value.
Green home mortgage within 85%	5.29 % (eff. 5.51 %)*
* The effective interest rate is calculated at 2 mill, based on a 25-year repayment period, an annuity loan, establishment of NOK 4,000, a deposit of NOK 1,300 and a term of NOK 65. Price example: Effective interest rate 5.51 %, 2 mill over 25 years, cost NOK 1.623.827, a total of NOK 3.623.827
The loan must qualify for SpareBank 1 Boligkreditt with collateral of up to 85 % of the property’s appraised value.
Green environmental mortgage within 85%	5.39 % (eff. 5.70 %)*
* The effective interest rate is calculated at 1 mill, based on a 25-year repayment period, annuity loan, establishment of NOK 4,000, deposit of NOK 1,300 and term of NOK 65. Price example: Effective interest rate 5.70 %, 1 mill over 10 years, cost NOK 847.407, total NOK 1.847.407
Green first home mortgage	5.26 % (eff. 5.47 %)*
* The effective interest rate is calculated at 2 mill, based on a 25-year repayment period, annuity loan, establishment of NOK 4,000, deposit of NOK 1,300 and term of NOK 65. Price example: Effective interest rate 5.47 %, 2 mill over 25 years, cost NOK 1.623.827 total NOK 3.623.827

Car loans

Car loan	6.85 %
Price example Car loan: Effective interest rate from 9.35 %, NOK 150.000 over 5 years, cost NOK 37.050, total NOK 187.050
Billån ung (car loan for the young)	9.95 %
Price example Billån ung: Effective interest rate from 13.90 %, NOK 100.000 over 5 years, cost NOK 44.025, total NOK 169.025
Car loan without comprehensive insurance	15.95 %
Price example: Effective interest rate 20.04 %, NOK 100,000 over 5 years, cost NOK 67.829, a total of NOK 192.829
Green car loan (loan for electric car)	6.75 %
Price example: Effective interest rate 9.25 %, NOK 150,000 over 5 years, cost NOK 36.614, a total of NOK 186.614

Flexiloan

The loan must qualify for SpareBank 1 Boligkreditt with collateral of up 60 % of the property’s appraised value. Flexiloan requires a 1st priority mortgage on the home.
45 % of the property’s appraised value	5.65 % (eff. 5.98 %)*
* The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 4.000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 75 per instalment. Priceexample: Eff. interest rate 5.98 %, 2 million over 25 years, cost 872.825 NO, tot. NOK 2.078.125
60 % of the property’s appraised value	5.75 % (eff. 6.09 %)*
* The effective interest rate has been calculated on the basis of an annuity loan of NOK 2 million, 25-year repayment period, NOK 4000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 75 per instalment. Priceexample: Eff. interest rate 6.09 %, 2 million over 25 years, cost 887.875 NOK, tot. NOK 2.093.175

Deposit loans

Deposit loan interest rate Arrangement fee	9.0 % NOK 1,250
Deposit loan LO Arrangement fee	7.0 % NOK 625

Personal loans

Personal loans	11.50 % (eff. 12.47 %)*
Price example: Effective interest 12.47 %, NOK 70,000 over 5 years, cost NOK 23,029, total NOK 93,029
Refinancing	Risk-based interest from 6.5 % to 16.5 %
Price example: Nom. interest 10.9 %, eff. interest 12.2 %, NOK 150.000 over 5 years, cost NOK 48.173, total NOK 198.173

Building loans

Building loan	9.25 % (eff. 10.98 %*)
The effective interest rate has been calculated on the basis of NOK 2 million, 1-year repayment period and 0.33 % commission. Priceexample: Eff. interest rate 10.98 %, 2 million over 1 years, cost 128.419 NOK, tot. NOK 2.128.419.

Fixed-rate loans

Within 75 %, 3-year lock-in period	4.94 % (eff. 5.14 %)
Within 75 %, 5-year lock-in period	4.89 % (eff. 5.09 %)
Within 75 %, 10-year lock-in period	4.79 % (eff. 4.98 %)
Effective interest rate for 3-year lock-in period. Nominal interest rate 4.94 %, effective interest rate 5.14 %, NOK 2,000,000 over 25 years. Cost 1.510.264 NOK, Total NOK 3.510.264. The effective interest rate has been calculated on the basis of monthly instalments and a loan amount of NOK 2 million with a 25-year repayment period, NOK 4,000 arrangement fee, NOK 1,300 deposit, and instalment fees of NOK 65 per instalment.

Caravan and motorhome

Loans for caravans and motorhomes	From 6.85 %
Price example: Effective interest rate from 9.35 %, NOK 150.000 over 5 years, cost NOK 37.050, total NOK 187.050

Savings

Children and young people


Bruke * (current account)	0.05 %
Spare - barnets egen sparekonto * (savings account for young people)	3.50 %
Sparekonto ung ** (savings account for young people)	3.50 %
* Bill payment from savings account has the same price as ordinary account. See prices under the item payment. ** Cards not allowed on this account

Home savings for young people (BSU)


Home savings for young people (BSU) under 34 years old Home savings for young people (BSU) over 34 years old	6.25 % 0.15 %
LOfavør BSU under 34 years old LOfavør BSU over 34 years old	6.50 % 0.15%
StartBSU under 34 years old * StartBSU over 34 years old *	3.50 % 0.15 %
* Charge for withdrawals other than transfers to BSU or for housing purposes.	5 % of amount withdrawn, min. NOK 1,000

Savings account


Interest rate	2.60 %


* 12 free withdrawals per year, as well as withdrawal of last year's interest. A charge is incurred for other withdrawals of 2 % of amount withdrawn, min. NOK 25.

Fixed-rate deposit

12 month lock-in period	4.75 %
Min. NOK 50,000 and max. NOK 5,000,000
Infringements of fixed-rate agreements will incur a charge of 3 % per annum of the amount withdrawn for the remainder of the term.

Deposit account 31 days lock-in


Deposits over 1.000.000 NOK	4.50 %
Deposit between 500.000 and 1.000.000 NOK	4.00 %
Deposits between 1 and 499.999 NOK	2.60 %
If you exceed one level, you will receive the same interest on the entire amount deposited. Withdrawals must be notified at least 31 days before the withdrawal is to take place. Withdrawals before 31 days have passed come with a fee of 5% of the withdrawal amount.

Other accounts


Bruke Ung Voksen, Bruke Voksen and Brukskonto *	0.00 %
Deposit account Open account in internet bank Open account at local branch	0.05 % NOK 500 NOK 1,000
IPA high interest account (no new agreements)	0.15 %
* Overdrawing not allowed. Infringements result in interest charged at 18 %.

Shares and securities

Share savings account

Open share savings account	NOK 0
Moving shares, equity certificates and securities to and from SpareBank 1 Nord-Norge	NOK 0
Purchase, exchange and sales of securities	NOK 0
Annual management fees for securities - See prices here
Brokerage fee 0.05 % per trade, minimum NOK 49 until end of 2017, then NOK 95.

Account administration fee/annual fee VPS - Total value as at 31 December Under NOK 100,000 NOK 100,000 – NOK 1,000,000 NOK 1,000,000 – 10,000,000 (per million or part thereof) More than NOK 10,000,000 (per million or part thereof)	NOK 0 NOK 225 + NOK 75 + NOK 25

Share services in internet and mobile bank

See prices for share trading here

Securities – charges for account administration/annual fee for VPS account

Total value as at 31 December

Under NOK 100,000

NOK 100,000 – NOK 1,000,000

NOK 1,000,000 – NOK 10,000,000 (per million or part thereof)

More than NOK 10,000,000 (per million or part thereof)

NOK 0

NOK 225

+ NOK 75

+ NOK 25

Purchase and sale of shares via broker

Brokerage fee – Norwegian listed shares up to NOK 250,000	0.30 % per trade, min. NOK 500
Brokerage fee – Norwegian listed shares over NOK 250,000	Prices according to agreement

Cross-border payments

SWIFT outgoing

Paper-based payment (manual registration at branch)	NOK 300
SEPA payment (order submitted via electronic channel)	NOK 30
Ordinary payment (order submitted via electronic channel)	NOK 50
We have produced an explanation of the individual elements and correlation between these. This also describes the requirements the bank stipulates for the prices quoted to apply. Click here for further information about SWIFT outgoing (Norwegian only)

SWIFT incoming

SEPA payment	NOK 30
Cross-border payment/domestic foreign currency payment	NOK 50
Domestic payment in NOK	NOK 0
We have produced an explanation of the individual elements and correlation between these. This also describes the requirements the bank stipulates for the prices quoted to apply. Click here for further information about SWIFT incoming (Norwegian only)

Additional and urgent services

Additional charge for urgent payment	+ NOK 250
Additional charge if the sender covers all the charges (OUR)	+ NOK 250
Message repair	+ NOK 100
Account adjustment and exchange to/from own foreign currency account	NOK 0
Registration and changes to cross-border standing orders	NOK 100
Confirmation by fax or email to the recipient or sender	+ NOK 100
Cancellation/rejection of received order	NOK 100
Cancellation of executed payment	NOK 250
Complaint/query concerning executed payment	NOK 250
We have produced an explanation of the individual elements and correlation between these. This also describes the requirements the bank stipulates for the prices quoted to apply. Click here for further information about additional and extra services (Norwegian only)

Other services

Become customer without BankID

Establishment fee

NOK 500