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 Sør-Norge 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

0,-

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 without ID*

0,-

*One card free  up to you are 28 years old

Visa Direct with identification / Visa with identification (closed for new sales)

395,-

Cash witdrawals and purchases

Withdrawal at SpareBank 1 Sør-Norge ATM

0,-

Withdrawal at other ATMs in Norway

10,-*

Purchase in Norway and abroad

0,-

Foreign exchange markup on transactions in foreign currency

2,00 %

Withdrawing cash from an ATM using Visa in Norway and abroad

40,- * (new price from 1.12.24 - 40,- + 0,5 % of withdrawal amount)

Other use

Replacement card

150,-

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 without ID

300,-

Visa Direct with identification / Visa with identification (closed for new sales)

395,- 

Cash witdrawals and purchases

Withdrawal from SpareBank 1 Sør-Norge ATM`s 

10,-

Purchasing goods in Norway and abroad

0,-

Withdrawals at other ATMs in Norway

10,- *

Foreign exchange markup on transactions in foreign currency

2,00 %

Withdrawing cash from an ATM using Visa in Norway and abroad

40,- (new price from 1.12.24 - 40,- + 0,5 % of withdrawal amount)

Other use

Replacement card

150,-

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

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 (0,5 % cashback on all purchases, and 5% interest on earned balance).

15,-

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

0,-

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.

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 (0,5 % cashback on all purchases, and 5% interest on earned balance).

15,- 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,-

Onlinebank/mobilebank

Transfer between own accounts

0,-

Retrieval of receipts/documents/account statements (applies only to online banking and mobile banking

0,-

Receipt (sticker)

20,-

Telephone bank, per call

2,-

Code token

150,-

Initiating a stopped payment

3,-

SMS notification

3,-

Telephone bank

Use of telephone banking, price per call

2,-

Request statement by post/fax (telephone bank)

10,-

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)

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,- (new price from 01.12.2024 - 150,-)

**porto. No fee if delivered to our mailbox

Giro in bank

Giro paid directly from account

100,-

Giro without receivers accountnumber

150,-

Immediate payment

Payments 0 - 5000 kr 

0,-

Payments over 5000 kr

0, (new price from 01.12.2024 - 20,-)

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

80,- (100,- from 01.11.2024)

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)

100,- (300,- from 01.11.2024)

Payments in a bank office/desk

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

300,- (400,- from 01.11.2024) + exchange rate costs and other costs abroad

 Investigations concerning executed payment

300,- (400,- from 01.11.2024)+ 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 Sør-Norge

10,-

Currency in our ATMs - customers in other banks

75,-

Withdrawals

10,-

Deposits

0,-

Deposits

0,- 

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

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

1,80 %

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)

20 %

Fee for 1. time reminder

35,-

Fee for 2. time reminder

35,-

Become a customer without BankID

Arrangement fee

500,-

Campaign interest rate for loan agreements disbursed during the period

Between 01.10.2024 and 31.12.2025

Nominal interest to 31.12.2024   0,00 %

Between 01.04.2023 and  30.09.2023

Nominal interes to  30.06.2025: 0,00%

Between 01.10.2023 and 31.03.2024

Nominal interest to 31.12.2024   0,00 %

Ordinary interest

Nominal interest

5,54 %

Effective interest

5,27 %*

Nominal interest

5,49 %

Effective interest

5,70 %*

Within 85% of purchase price / sales value and convertible to SpareBank 1 Sør-Norge Boligkreditt A/S.

Nominal interest

5,54 %

Effective interest

5,75 %*

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

Nominal interest

From 5,64 %

Effective interest

5,82 %*

Over 4 000 000,-

Nominal interest

5,84 %

Effective interest

6,03 %

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

Nominal interest

5,99 %

Effective interest

6,22 %*

Under 2 000 000,-

Nominal interest

6,09 %

Effective interest

6,39 %

Over 4 000 000,-

Nominal interest

5,99 %

Effective interest

6,19 %

Between 2 000 000 and 4 000 0000,-

Nominal interest

6,09 %

Effective interest

6,33 %*

Under 2 000 000,-

Nominal interest

6,19 %

Effective interest

6,50 %

Over 4 000 000,-

Nominal interest

5,74 %

Effective interest

5,93 %

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

Nominal interest

5,89 %

Effective interest

6,12 %*

Under  2 000 000,-

Nominal interest

6,19 %

Effective interest

6,41 %

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

Fixed interest period 3 years

Nominal interest

4,90 %

Effective interest

5,08 %*

Fixed interest period 5 years

Nominal interest

4,85 %

Effective interest

5,03 %*

Fixed interest period 10 years

Nominal interest

4,79 %

Effective interest

4,96 %*

*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 %

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 3.200,-

Arrangement fee, construction loan

from 5.000,-

Addition, intermediate financing

1.500,-

Addition, real estate surety

1.000,-

Instalment fee

60,-

Instalment fee, Flexiloan

70,-

Deferment on loans and other changes

750,- 

Changes on fixed rate loans

from 2.900,- 

Changes on security

1.000

Addition per security

500,-

Convert to fixed rate loan

1.000,-

Interest rates

Current account

0,00 %

Senioraccount(not for sale)

0,00 %

Regardless amount

4,35 %

All amounts

4,35 %

Up to 36 years*

6,55 %

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

3,45 %

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 %

Floating interest rate without fixed term

4,20 %

Fixed rate

4,70 %

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 (24147480)

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

3490,- (VAT included)

Drafting of lasting power og attorney (LPA)

3490,-

Drafting of gifts and advances on inheritance

1990,-