Pricelist
CARDS
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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
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Annual fee
Visa without ID*
0,-
*One card free up to you are 28 years old. Applies to the card for the Bruksonto UNG.
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.
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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
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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.
Other use
Transaction fee for transactions in a foreign currency
2,00 %
Overdraft fee
125,-
Reminder fee
regulated by government rate
Fee for paper bill
11,-
Copy of bill
20,-
eFaktura
0,-
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
3,5% of used credit, minimum NOK 250,-
Additional services
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
* If you have a paper invoice or other additional services, these costs will be added to the minimum amount. For card agreements signed before 15 May 2019, the minimum amount is 2.5% of used credit, minimum NOK 250.
** When you use the card abroad or to withdraw foreign currency, the amount becomes converted to Norwegian kroner. The conversion rate is the rate on the settlement day in accordance to Mastercard plus a currency surcharge of 2 %.
*** An overdraft fee is charged if the approved credit limit is exceeded. -
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.
Other use
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
11,-
Copy of bill
20,-
Additional services
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
Streaming services
If you pay with Mastercard Ung for streaming services such as Spotify and Netflix, you get a 20 % discount on the services you subscribe to, up to NOK 500 per year.
* If you have a paper invoice or other additional services, these costs will be added to the minimum amount. For card agreements signed before 15 May 2019, the minimum amount is 2.5% of used credit, minimum NOK 250.
** When you use the card abroad or to withdraw foreign currency, the amount becomes converted to Norwegian kroner. The conversion rate is the rate on the settlement day in accordance to Mastercard plus a currency surcharge of 2 %.
*** An overdraft fee is charged if the approved credit limit is exceeded.
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Mikrocard
150,-
Mikrocard for kids and youth
0,-
Replacement card
150,-
PAYMENTS
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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,-
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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,-)
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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,-
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Currency in our ATMs - customers in SpareBank 1 Sør-Norge
10,-
Currency in our ATMs - customers in other banks
75,-
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Cash services in stores
Withdrawals
10,-
Deposits
0,-
Machine deposits
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,-
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Open security deposit account at a bank office (customers)
500,-
Open security deposit account in online banking
500,-
Interest rate
1,80 %
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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,-
LOANS
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Indicative prices for mortgages for private customers.
Each loan application is assessed individually, and the price you get depends on, among other things, serviceability, security and risk. The prices for mortgages assume that you have a payroll account with SpareBank 1 Sør-Norge and use the bank on a daily basis. In addition, it is assumed that the loan is convertible to SpareBank 1 Sør-Norge Boligkreditt AS, and that the loan is not in breach of the lending regulations.
Submit a non-binding application today and one of our advisors will contact you!
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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 rate 0,00%* for 12 months then 5,54 %, effective interest rate 4,94 %, NOK 300,000 over 10 years, cost: NOK 80 692,- total: NOK 380 692,-
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Nominal interest
5,49 %
Effective interest
5,70 %*
Up to 85% of purchase price / sales value
* Nominal interest rate 5,49 %, effective interest rate 5,870%, 2 million o/30 years, cost: NOK 2 111 698- total: NOK 4 111 698,-
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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 %*
* Nominal interest rate 5,54 %, effective interest rate 5,75 %, 2 million o/30 years, cost: NOK 2 134 338,- total: NOK 4 134 338,-
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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 %*
* Nominal interest rate 5,64 %, effective interest rate 5,82 %, 4 million o/30 years, cost: NOK 4 331 337,- total: NOK 8 331 337,-
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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 %
Up to 75% of purchase price / sales value.
* Nominal interest rate 5,84 %, effective interest rate 6,03 %, 4 million o/30 years, cost: NOK 4 514 348 ,- total: NOK 8 514 348 ,-
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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 %
Up to 85% of purchase price / sales value.
*Nominal interest rate 6,19 %, effective interest rate 6,40 %, 4 million o/30 years, cost: NOK 4 652 771,- total: NOK 4 652 771,-
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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 %
Up to 60% of purchase price / sales value.
*Price example: 60%: Nominal interest rate 5,74 %, effective interest rate 5,93 %, 4 million o/30 years, cost: NOK 4 426 219,- total: NOK 8 426 219,-
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Fixed interest rates apply from 14.06.2022. Prices are subject to change at short notice.
Fixed interest period 3 years
Nominal interest
4,79 %
Effective interest
4,96 %*
Fixed interest period 5 years
Nominal interest
4,69 %
Effective interest
4,86 %*
Fixed interest period 10 years
Nominal interest
4,69 %
Effective interest
4,86 %*
Up to 75% of the value of the home
* Effective interest calculated after NOK 2 000 000 over 30 years, NOK 2 900 in start-up costs and NOK 60 in forward costs. Cost NOK 1 800 877,-. A total of NOK 3 800 877,-
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*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 %
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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,-
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Car loan
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 carfrom 13,75 % (nom.)
* Membership in LOfavør gives up to 0,30 % lower interest.
**Membership in LOfavør gives up to 1,00 % lower interestCar loan for young adults, 18 - 34 years
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.)*Membership in LOfavør gives up to 1,00 % lower interest
Loan for electrical car
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.)
* Membership in LOfavør gives 0,30 % lower interest.
Caravan
Same as car loan
MC loans
Same as car loan
Boat 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.)
* Membership in LOfavør gives up to 0,30 % lower interest.
** Membership in LOfavør gives up to 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
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Consumer loans
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
Consumer loans are provided by SpareBank 1 Kreditt.
Price example consumer loan: effective interest rate 15,00%, NOK 70,000 o/5 years, cost NOK 27.764, total NOK 97.764.
Price example refinancing nominal interest 14,70%, effective interest 12.2%, 150,000 over 5 years, cost NOK 58.602, total NOK 208.602Personal loans and refinancing loans are provided by SpareBank 1 Kreditt AS.
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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,-
ACCOUNT AND SAVINGS
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Interest rates
Current account
0,00 %
Current account Ung
0,00 %
Current account 0 - 18
0,00 %
Senioraccount(not for sale)
0,00 %
Compare our prices with other banks at www.finansportalen.no
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Regardless amount
4,35 %
Compare our prices with other banks at www.finansportalen.no
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All amounts
4,35 %
The account is only available for children under 18 years old
Compare our prices with other banks at www.finansportalen.no
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Up to 36 years*
6,55 %
BSU over 36 years
4,00 %
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.
Compare our prices with other banks at www.finansportalen.no
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Amounts under 500 000,-
2,75 %
Amounts over 500 000,-
2,95 %
For amounts exceeding 15 mill. kroner, please contact us.
Compare our prices with other banks at www.finansportalen.no
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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 %
*NOK 200 per withdrawal afterfour withdrawals.
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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 %
* 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
Compare our prices with other banks at www.finansportalen.no
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Individual retirement savings account
3,45 %
Annual cost
0,-
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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 %
Compare our prices with other banks at www.finansportalen.no
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Floating interest rate without fixed term
4,20 %
Fixed rate
4,70 %
SHARES AND SECURITIES
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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.
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Purchases vie phone SpareBank 1 Markets (24147480)
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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,-
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Purchase fee (depending on type of bond)
0,00 - 0,90 %
Sales fee
0,00 - 0,90 %
Managment fee
0,20 - 0,50 %
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Purchase fee (depending on type of fund and amount)
0,00 %
Sales fee
0,00 %
Managment fee
0,40 %
LEGAL SERVICES
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Drafting of cohabitation agreement
1990,- (VAT included)
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Drafting of will
3490,- (VAT included)
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Drafting of lasting power og attorney (LPA)
3490,-
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Drafting of gifts and advances on inheritance
1990,-
Last updated 17.12.2024.