Rates, prices and fees for deposits and investments – personal customers

Brukskonto is intended for daily banking services. Salaries, student loans, social security benefits, etc. can be transferred directly to this account, which may be used for different payment services.

Customers over 18 may be granted an overdraft facility.

A transaction account is included in Min dagligbank. From 2021 Min dagligbank will cost NOK 25 per month and include one debit card. Read more about Min dagligbank

Sammenlign våre priser med andre selskaper på Finansportalen.no

¹⁾ In accordance with the Tenancy Act it is the landlord who pays the establishment fee.

There are 4 withdrawals/transfers free of charge per calendar year. A withdrawal fee of kr 250,00 will be charged for each additional withdrawal.

The interest rates apply to the entire amount the first Norwegian krone until 2 000 000 NOK. If there is more than 2 million NOK deposited in the account, the interest rate will be 4,00 % per year for the part of the deposit exceeding 2 million.  

There are 12 withdrawals/transfers free of charge per calendar year. A withdrawal fee of kr 250,00 will be charged for each additional withdrawal.

Charge for withdrawal during the agreement period 4,95 %, min. kr 250,00.

The interest rate is fixed for the agreed period and applies to savings that are locked for a fixed term of 3, 6 or 12 months. Fastrenteinnskudd (fixed term account) is offered during specific sales periods. The current offer may be stopped or changed on short notice.

¹⁾ ‎Effective interest rate shows the actual annual return on your deposit including the compound interest effect. For fixed-term deposits with automatic renewal after 3 or 6 months the effective interest rate will be higher than the nominal interest rate because you earn interest on previously earned interest with each renewal.

Example: A fixed-term deposit with a 4% nominal interest rate and renewal every 3 months results in an effective annual interest rate of approx. 4.06%

Unfortunately we are not able to offer Fastrenteinnskudd med klimafokus, 3 months (Fixed term account with climate focus) at the moment. We use an amount corresponding to your savings amount to finance projects focusing on climate and sustainability, and we have reached the limit for projects to finance right now.

Minimum deposit is kr 5 000,00. Maximum deposit is kr 2 000 000,00.
  
¹⁾ The interest rate is fixed for 3 months. Fastrenteinnskudd med klimafokus is offered during specific dates periods. The current offer may be stopped or changed on short notice.

Withdrawal/transfer of locked deposits/interest is a breach of the BSU contract.

¹⁾ The interest rate changes to 3,50 % after turning 34 years. 

¹⁾ The interest rate changes to 3,50 % after turning 34 years. 

²⁾ Interest capitalised during the savings period comes in addition to the deposits and bears interest according to the prevailing interest rate even if the balance on the account exceeds the maximum savings amount.

¹⁾ The total cost of purchasing or selling fund shares is provided in the fund information (the information is in Norwegian).

Nordea Bank Abp, filial i Norge (Nordea) offers savings and investment solutions from Nordea's associated company Nordea Funds Ltd, or other external management companies, for which it receives a fee (a share of the subscription fee and management fee) from the fund company. 

Nordea has an obligation to inform about fees, commissions and non-monetary incentives paid or received in connection with the distribution of funds.

Nordea has a distribution agreement with Nordea Funds Ltd and several other external fund managers for the distribution of their funds in the Norwegian market.

For its sale of mutual funds the bank receives a fee from Nordea Funds Ltd and other external fund managers. The fee enables Nordea i.a. to carry out analyses of and give information and advice about securities funds. The fee is a percentage share of the management fee paid by the unit holder and does not imply any extra cost for you as customer.

For funds managed by Nordea Funds Ltd the fee is 50 per cent of the management fee and for funds managed by other, external managers the fee is between 0 and 88 per cent of the management fee.

Example of how the fee is apportioned

If you buy units for NOK 10,000 in a securities fund managed by Nordea Funds Ltd and the fund charges an annual management fee of 1.2 per cent, the apportionment will be as follows:

• The management fee you as a customer will pay is NOK 120 per year (10,000 x 1.2 per cent = NOK 120). The distribution fee to Nordea will be NOK 60 (NOK 120 x 50 per cent = 60). The distribution fee does not imply any extra cost for you as a customer.

If you have questions about a specific fund and what Nordea receives in inducement, please contact customer ombudsman in Nordea, Richard Jansen, +47 95061317.

Interest is calculated and credited to the account at the end of every calendar year or upon closure of the account.

In Nordea, interest is calculated based on the number of calendar days, i.e. 365 days a year,  alternately 366 days in a leap year.

The overdraft interest on deposit accounts is 18.00 %.