Deposits and investments - personal customers

Accounts for daily use

Brukskonto (transaction account)
Foreign currency transaction account
Depositumskonto (Tenancy deposit account)

Brukskonto (transaction account)

A 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

Interest rate and price, Brukskonto (transaction account)
BalanceInterest rate
Regardless of amount0,00 % p.a.
Other pricesPrice
Monthly fee Min dagligbank, include one debit cardkr 25,00 per month

Sammenlign våre priser med andre selskaper på Finansportalen.no

Foreign currency account

Interest rate, foreign currency transaction account
Balance
The interest rate on a currency account equals the prevailing base rate at any given time for the relevant currency less a margin to be agreed upon between the bank and the account holder. Nordea's base rate for deposits in the relevant currency is based on the 1 week London Interbank Offered Rate (LIBOR) fixed on Mondays at 12 noon.

Depositumskonto (tenancy deposit account)

Rates and charges, tenancy deposit account
SpecificationRates/charges
Regardless of balance0,50 % per year
Establishment fee*
- When the landlord is a Premium customer
- When the landlord is a regular customer

kr 800,00
kr 1 200,00
With lienholder or notification of tenant, per lienholder/notificationkr 250,00

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

Savings accounts

Bufferspar (regular savings account)
Sparekonto Ekstra (savings account)
Sparekonto 60+
Fastrenteinnskudd (Fixed term account)
Fastrenteinnskudd med klimafokus (Fixed term account with climate focus)
Sparekonto Ung (savings account for young people)
BSU (home-savings schemes for young people)
Boligsparekonto (home-saver account)

Interest rates, BufferSpar

SpecificationInterest rate
NOK 0 - 100.000 3,75 % per year
On the amount that exceeds NOK 100.000 1,00 % per year

Interest rates, Sparekonto Ekstra

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.

SpecificationInterest rate
Kr 0 - 99.9994,00 % per year
Kr 100.000 - 499.9994,25 % for the total amount on the account
Kr 500.000 - 2.000.000
4,75 % for the total amount on the account
Amounts above
kr 2.000.000
4,25 % per year

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 3,50 % for the part of the deposit exceeding 2 million.  

Interest rates, Sparekonto 60+

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.

SpecificationInterest rate
Kr 0 - 99.9994,00 % per year
Kr 100.000 - 499.9994,25 % for the total amount on the account
Kr 500.000 and amounts above
4,75 % for the total amount on the account

Interest rates, Fastrenteinnkudd, 3, 6 and 12 months (Fixed term account)


3 monthsmonths12 months
Fixed term interest rent5,00 % per year5,10 % per year4,80 % per year
Sales start (current offer)01.03.202401.03.202401.03.2024
Term/Period01.04.2024 - 30.06.202401.04.2024 - 30.09.202401.04.2024 - 31.03.2025
Minimum deposit kr 15 000,00 kr 15 000,00 kr 15 000,00 
Maximum depositkr 20 000 000,00 kr 20 000 000,00 kr 20 000 000,00 

Charge for withdrawal during the agreement period 2,50 %, 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.

Interest rates and terms, Fastrenteinnskudd med klimafokus, 3 months (Fixed term account with climate focus)

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.

Sales period, current offer: 01.03.2024 and until further notice) *Interest rate/terms
Fixed term interest rate, 3 months5,00 % per year
Fixed term, 3 months01.04.2024 - 30.06.2024
Charge for withdrawal during the agreement period2,50 %, min. kr 250,00

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

Interest rates, Sparekonto UNG (under 18 years)


Outstanding amountInterest rate
From first NOK4,45 % per year
You are allowed 12 free withdrawals per calendar year. A withdrawal fee of kr 250,00 will be charged for each additional withdrawal. Interest and instalments on loans in Nordea Bank Abp, filial i Norge may be charged to the account without affecting the number of free withdrawals.

Interest rate, BSU (home-savings scheme w/tax relief for young people)

BalanceInterest rate*
From first NOK6,75 % per year

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

*The interest rate changes to 3,75 % after turning 34 years. 

Interest rates and fees, Boligsparekonto (home-saver account)

SpecificationInterest rate/price
kr 0,00 - kr 300.000,004,75 % per year
When deposits exceed kr 300.000,00No interest is earned**
Fee, withdrawal for other purposes than a home/the BSU account5,00 % of the amount withdrawn, min. kr 1 000,00

*) The interest rate changes to 3,75 % after turning 34 years. 

**) 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.

Investment funds

Online funds trading
Fee to Nordea in connection with the distribution of mutual funds

Online funds trading

Prices, online funds trading
SpecificationPrice
Establishment/annual feekr 0,00
Prices, purchase of shares in funds
CommissionCost
Purchase commissionDepending on fund.*
Other costsDepending on fund.*
Prices, sale of shares in funds
CommissionCost
Sales commission Depending on fund.*

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

Fee to Nordea in connection with the distribution of mutual funds

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.

Account information

SMS Services
Print and copies

SMS Services

Price, per SMS received
Customer programme/levelPrice
Standardkr 1,00
Studentkr 0,00
Under 18kr 0,00
Price, message received in SMS bank
Customer program/levelPrice1
Standardkr 1,00
Studentkr 0,00
Under 18kr 0,00

Support and error messages are free of charge.
1)Mobile operators' SMS charges come in addition.

Print and copies

Transcripts, transaction history and copies
SpesificationPrice
Standard account statement and annual statementkr 0,00
Account statement from Nordeas' ATMs in Norwaykr 0,00
Account statement and transaction history in branch kr 250,00
Copies of prints and vouchers, minimum per copy kr 100,00

Calculation of interest on an account

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%.