Deposits and investments - personal customers
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 Dagligbankpakken. From 2021 Dagligbankpakken will cost NOK 25 per month and include one debit card. Read more about Dagligbankpakken
Balance | Interest rate |
Regardless of amount | 0,00 % p.a. |
Other prices | Price |
Monthly fee Dagligbankpakken, include one debit card | kr 25,00 per month |
Sammenlign våre priser med andre selskaper på Finansportalen.no
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 Dagligbankpakken. From 2021 Dagligbankpakken will cost NOK 25 per month and include one debit card. Read more about Dagligbankpakken
Balance | Interest rate |
Regardless of amount | 0,00 % p.a. |
Other prices | Price |
Monthly fee Dagligbankpakken, include one debit card | kr 25,00 per month |
Sammenlign våre priser med andre selskaper på Finansportalen.no
Foreign currency 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. |
Savings accounts
Interest rates, Sparekonto (savings account)
Outstanding amount | Interest rate |
First 100.000 NOK
| 2,00 % per year |
On the amount that exceeds NOK 100.000 | 0,50 % per year |
Interest rates, Sparekonto (savings account)
Outstanding amount | Interest rate |
First 100.000 NOK
| 2,00 % per year |
On the amount that exceeds NOK 100.000 | 0,50 % per year |
Interest rates, Sparekonto UNG (under 18 years)
Outstanding amount | Interest rate |
From first NOK | 2,70 % per year |
Interest rates, Sparekonto Ekstra
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 2,60 % for the part of the deposit exceeding 2 million.
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.
Specification | Interest rate |
Kr 0 - 99.999 | 2,00 % from the first krone |
Kr 100.000 - 499.999 | 2,00 % from the first krone
|
Kr 500.000 - 2.000.000
| 2,85 % from the first krone
|
Amounts above
kr 2.000.000 | 2,60 % |
Interest rates, Sparekonto 60+
The interest rates apply to the entire amount the first Norwegian krone until 2 000 000 NOK.
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.
Spesification | Interest rate |
Kr 0 - 99.999 | 2,25 % from first krone
|
Kr 100.000 - 499.999 | 2,50 % from first krone
|
Kr 500.000 - 2.000.000
| 3,10 % from first krone
|
Amounts above kr 2.000.000 | 2,60 %
|
Specification | Interest rate |
First 100.000 NOK | 2,00 % per year |
On the amount that exceeds NOK 100.000 | 0,50 % per year |
Balance | Interest rate* |
Regardless of amount | 5,00 % per year |
Withdrawal/transfer of locked deposits/interest is a breach of the BSU contract.
*The interest rate changes to 2,00 % after turning 34 years.
Specification | Interest rate/price |
kr 0,00 - kr 300.000,00 | 3,20 % per year |
When deposits exceed kr 300.000,00 | No interest is earned** |
Fee, withdrawal for other purposes than a home/the BSU account | 5,00 % of the amount withdrawn, min. kr 1 000,00 |
*) The interest rate changes to 2,00 % 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.
Sales period, current offer: 24.02.2023 and until further notice* | Interest rate/terms |
Fixed term interest rate, year 1 | 4,00 % per year |
Fixed term, year 1 | 01.04.2023 - 31.03.2024 |
Bonus rate, years 2, 3 og 4 | 0,20 % per year |
Charge for withdrawal during the agreement period | 2,50 %, min. kr 250,00 |
Minimum deposit is 15 000 NOK. Maximum deposit is 10 million NOK.
* The interest rate is fixed for one year at the time and applies to savings that are locked for a fixed term of 12 months. Fastrente (fixed term account) is offered during specific sales periods. The current offer may be stopped or changed on short notice.
Depositumskonto (tenancy deposit account)
Specification | Rates/charges |
Regardless of balance | 0,00 % 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/notification | kr 250,00 |
* In accordance with the Tenancy Act it is the landlord who pays the establishment fee.
Investment funds
Online funds trading
Specification | Price |
Establishment/annual fee | kr 0,00
|
Commission | Cost |
Purchase commission | Depending on fund.* |
Other costs | Depending on fund.* |
Commission | Cost |
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).
Online funds trading
Specification | Price |
Establishment/annual fee | kr 0,00
|
Commission | Cost |
Purchase commission | Depending on fund.* |
Other costs | Depending on fund.* |
Commission | Cost |
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
Customer programme/level | Price |
Standard | kr 1,00
|
Student | kr 0,00
|
Under 18 | kr 0,00 |
Customer program/level | Price1 |
Standard | kr 1,00
|
Student | kr 0,00
|
Under 18 | kr 0,00
|
Support and error messages are free of charge.
1)Mobile operators' SMS charges come in addition.
SMS Services
Customer programme/level | Price |
Standard | kr 1,00
|
Student | kr 0,00
|
Under 18 | kr 0,00 |
Customer program/level | Price1 |
Standard | kr 1,00
|
Student | kr 0,00
|
Under 18 | kr 0,00
|
Support and error messages are free of charge.
1)Mobile operators' SMS charges come in addition.
Print and copies
Spesification | Price |
Standard account statement and annual statement | kr 0,00
|
Account statement from Nordeas' ATMs in Norway | kr 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%.