Deposits and investments - personal customers

Accounts for daily use

Brukskonto (transaction 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 Dagligbankpakken. From 2021 Dagligbankpakken will cost NOK 25 per month and include one debit card.  Read more about Dagligbankpakken

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

Sammenlign våre priser med andre selskaper på Finansportalen.no

Foreign currency transaction 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 Dagligbankpakken. From 2021 Dagligbankpakken will cost NOK 25 per month and include one debit card.  Read more about Dagligbankpakken

Interest rate and price, Brukskonto (transaction account)
BalanceInterest rate
Regardless of amount0,00 % p.a.
Other pricesPrice
Monthly fee Dagligbankpakken, 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.

Savings accounts

Sparekonto (savings account)

Sparekonto (savings account)


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 rates, Sparekonto (savings account)
Interest rate regardless of amountInterest rate
Over 18 years
0,25 % per year
Under 18 years0,95 % per year
Bufferspar (regular savings account)
BSU (home-savings schemes for young people)
Boligsparekonto (home-saver account)
Fastrentekonto med bonus (Fixed term account with bonus)
Depositumskonto (Tenancy deposit account)

Sparekonto (savings account)


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 rates, Sparekonto (savings account)
Interest rate regardless of amountInterest rate
Over 18 years
0,25 % per year
Under 18 years0,95 % per year

BufferSpar (regular savings account)

Interest rates, BufferSpar
SpecificationInterest rate
Monthly savings of kr 500,00 and over0,25 % per year
Monthly savings below kr 500,000,00 % per year

BSU ( home-savings schemes for young people)

Interest rate, BSU (home-savings scheme w/tax relief for young people)
BalanceInterest rate*
Regardless of amount2,80 % per year

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

*The interest rate changes to 0,25 % after turning 34 years. 

Boligsparekonto (home-saver account)

Interest rates and fees, Boligsparekonto (home-saver account)
SpecificationInterest rate/price
kr 0,00 - kr 300.000,002,80 % 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 0,25 % 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.

Fastrentekonto med bonus (Fixed term account with bonus)

Interest rate and terms, Fastrentekonto med bonus (Fixed term account with bonus)
Sales period, current offer: 01.05.2022 and until further notice*Interest rate/terms
Fixed term interest rate, year 11,40 % per year
Fixed term, year 101.06.2022 - 31.05.2023
Bonus rate, years 2, 3 og 40,20 % per year
Charge for withdrawal during the agreement period2,50 %, min. kr 250,00

* 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 med bonus (fixed term account with bonus) is offered during specific sales periods. The current offer may be stopped or changed on short notice.

Depositumskonto (tenancy deposit account)

Rates and charges, tenancy deposit account
SpecificationRates/charges
Regardless of balance0,00 % 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/notificationkr 250,00

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

Investment funds

Online funds trading

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

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

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

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%.