Terms and Conditions for Business

Here you will find the current terms and conditions for our products and services.

From 1 January 2023, Norway introduced a new Financial Agreements Act. The Act aims to provide you with even stronger consumer protection and prevent debt problems, and will affect you as a corporate customer.

Questions and answers about the new Financial Agreements Act

Account

Business relationship agreements

Part A Main document (PDF)Open the file in a new tab

Part B General terms and conditions for deposits and payment services (PDF, Norwegian)Open the file in a new tab

Terms and conditions for establishment and management of client account (PDF)Open the file in a new tab

Terms and conditions for currency account Day-to-Day market rate (PDF, Norwegian)Open the file in a new tab

Terms and conditions for tax deduction account (PDF, Norwegian)Open the file in a new tab

Terms and conditions for security deposit account (PDF)Open the file in a new tab

Terms and conditions for fixed rate deposit (PDF)Open the file in a new tab

Corporate agreement

Terms and conditions for corporate agreement with account, card and online banking (PDF, Norwegian)Open the file in a new tab

Basic products and terms and conditions

Account agreement for business relationships, main document, part A (PDF, Norwegian)Open the file in a new tab

Part B General Terms and Conditions for Deposits and Payment Services (PDF)Open the file in a new tab

General Terms and Conditions - Electronic Services (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - DNB Connect/Business Online Banking (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - eFaktura (eInvoice) (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - DNB Business Card with Visa (Visa Business) (PDF, Norwegian)Open the file in a new tab

Additional Products and Terms and Conditions

Terms and Conditions - Tax Deduction Account, Part C of the Account Agreement (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - DNB Corporate Mastercard Personal Liability (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - DNB Corporate Mastercard Company Liability (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - Basic Travel Insurance, When Using a Corporate Card (PDF, Norwegian)Open the file in a new tab

Online bank and payment services

Terms and Conditions DNB Connect/Business Online Banking (PDF, Norwegian)Open the file in a new tab

General Terms and Conditions - Electronic Services (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - OCR Payment Service (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - DNB Payment Pluss (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - AvtaleGiro (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - AvtaleGiro ELA (PDF)Open the file in a new tab

Terms and Conditions - eFaktura (eInvoice) (PDF, Norwegian)Open the file in a new tab

Terms and Conditions - Pre-validation against KAR and Swift (PDF, Norwegian)Open the file in a new tab

Merchant Agreement BankAxept (PDF, Norwegian)Open the file in a new tab

Terms and conditions at BankAxept.no

Card products

Fund trading

Electronic trading in mutual funds (PDF, Norwegian)Open the file in a new tab

Equities, stock exchange and FX

Pension

Defined-contribution pension (PDF)Open the file in a new tab

Personnel insurance

General terms and conditions (PDF)Open the file in a new tab

Workers’ compensation insurance (PDF)Open the file in a new tab

Corporate group life insurance (PDF)Open the file in a new tab

Group accident insurance (PDF)Open the file in a new tab

Leisure accident insurance (PDF)Open the file in a new tab

Health insurance (PDF)Open the file in a new tab

Sickness assessment insurance (PDF)Open the file in a new tab

Sick pay insurance (PDF, Norwegian)Open the file in a new tab

Income protection insurance (PDF, Norwegian)Open the file in a new tab

Other sickness insurance (PDF)Open the file in a new tab

Additional terms and conditions other sickness insurance (PDF)Open the file in a new tab

Single payment permanent disability benefit (PDF, Norwegian)Open the file in a new tab

Public enterprises

Personnel insurance, municipalities (PDF, Norwegian)Open the file in a new tab

Personnel insurance, hospital trusts (PDF, Norwegian)Open the file in a new tab

Other businesses

Companies covered by the main tariff agreement (PDF, Norwegian)Open the file in a new tab

Personnel insurance Government enterprises (PDF, Norwegian)Open the file in a new tab

Protection insurance NHO - Confederation of Norwegian Enterprise Shipping (PDF, Norwegian)Open the file in a new tab

Protection insurance Norwegian Shipowners' Association (PDF)Open the file in a new tab

Non-life insurance

Travel

Travel insurance (PDF, Norwegian)

Liability

_{The insurance conditions you will find under non-life insurance are standardized terms and conditions. Some of our insurance terms and conditions must be adapted to each company according to needs. Custom terms will be sent out along with any offers.}

General

What do all the changes in the law mean for me as a customer?

Will my agreements continue as before?

The new law applies to both new and existing agreements. This does not mean that existing agreements must be entered into again, but some rules in the new law may take precedence over contractual provisions if these do not comply with the law.

Ongoing agreements remain valid. This means that your agreements with DNB or the financial institution still apply, but agreements and terms may be updated. You will be notified of such changes.

Do I need to sign new agreements for the new rules to apply to my agreements?

Why am I receiving correspondence as a corporate customer?

I cannot find what I am looking for

Business card

What is new for business cards?

Complaints and disputes

Where can I find information about DNB's complaints handling procedures?

Does DNB have a processing deadline for complaints?

We must respond to you in writing, in clear and straightforward language, as soon as possible. If we have not responded to you within 15 working days after receiving your complaint, we will send you an interim response with information about the reason for the delay and when you will receive a final response from us.

In extraordinary circumstances, which are beyond our control, it may take 35 days before you receive a response from us. Please note that this does not apply to complaints relating to business customers.

More about the new Financial Contracts Act

If you would like more information, Finance Norway has prepared an overview of what the new Financial Contracts Act means for you as a customer.