Retail customer agreement terms and conditions
Here you’ll find the current terms and conditions for our products and services.
On 1 January 2023 a new financial agreement law came into effect in Norway. Among other things, the law aims to give you even stronger consumer protection and prevent debt problems.
This means that at DNB we are changing the current contractual terms and conditions. On this page you will therefore see two sets of terms and conditions.
Terms and conditions will primarily be available in Norwegian for the moment.
Account
- Account agreement – consumer terms and conditions (PDF)
- Account agreement - consumer terms and conditions - valid from 01.01.2023 (PDF)
- Account agreement, general terms and conditions for deposits and payment services - valid from 01.01.2023 (PDF)
- Managing account via online bank etc. – consumer e-bank (PDF)
- Agreement terms and conditions for digital bank - consumer valid from 01.01.2023 (PDF)
- BSU (PDF)
- Fixed-rate deposits (PDF)
- Fixed-rate deposits - valid from 01.01.2023 (PDF)
- Security deposit account (PDF)
Cards
- Payment card - debit card (PDF)
- Payment card - debit card - valid from 01.01.2023 (PDF)
- Mastercard (PDF)
- Mastercard (PDF) - valid from 01.01.2023
- Payment cards for children and young people (PDF)
- Payment cards for children and young people - valid from 01.01.2023 (PDF)
Loyalty programme
Insurance
- DNB Mastercard - Travel Insurance (PDF)
The compensation amounts may differ somewhat depending on the customer relationship with the bank. - Payment insurance for consumer loans and credit cards (PDF)
- Notice of cancellation rights for non-life insurance (PDF)
- Notice of cancellation rights for personal insurance (PDF)
Loans
- Home equity credit line – valid from 01.01.2023 (PDF)
- Home mortgage – valid from 01.01.2023 (PDF)
- Construction loan - valid from 01.01.2023 (PDF)
- Secured guarantee – valid from 01.01.2023 (PDF)
- Vehicle loan (PDF)
Consumer loan
Online bank and payment services
- Online portal agreement DNB (PDF)
- Online portal agreement DNB - valid from 01.01.2023 (PDF)
- Digital banking - Consumer customers (PDF)
- Agreement terms and conditions BankID (PDF)
- AvtaleGiro (PDF)
- Mobile banking app (PDF)
- Spare (PDF)
- Electronic allocation of account (PDF)
Mutual funds and savings
- Agreement on trading in mutual fund holdings - valid from 01.01.2023 (PDF)
- General business terms and conditions – valid from 01.01.2023 (PDF)
Share savings account
- Share savings account – valid from 01.01.2023 (PDF)
- Important information about transferring a share savings account from another provider to a share savings account at DNB (PDF)
- Important information about merging share savings accounts at DNB (PDF)
- Important information about gift transfers from a share savings account to a share savings account at DNB (PDF)
Shares, stock exchange and currency
Pension and savings products from DNB Liv
- Pension capital certificate price list (PDF)
- Pensjonskonto Flex terms and conditions (PDF)
- Pensjonskonto Flex fact sheet (PDF)
- Pensjonskonto Flex price list (PDF)
- Link Pension (IPA) terms and conditions (PDF)
- Link Pension (IPA) fact sheet (PDF)
- Link Annuity terms and conditions (PDF)
- Link Pension Spar (IPS) fact sheet (PDF)
- PensionSpar terms and conditions (PDF)
- PensionSpar fact sheet (PDF)
- Insurance terms and conditions Continuation insurance (PDF)
- Insurance Terms and Conditions Paid-up policies (PDF)
IPS - Individual Pension Savings
Notice of cancellation rights
General
What do all the changes in the law mean for me as a customer?
Why am I getting new terms and conditions?
Will my appointments continue as before?
What is the digital first choice?
Do I have to sign new agreements in order for the new rules to apply to my agreements?
What does passive consent mean?
What should I do if I do not accept a notified change in the terms of the agreement?
Cancellation, termination and liquidation
Under which circumstances can DNB terminate the agreement with me?
Credit card and Mastercard
Will my debit card and Mastercard work as before?
Under which circumstances can the bank block my card?
Credit
Is it correct that I can deny DNB from raising my home mortgage interest rate?
Will my consumer loan work as before?
What kinds of explanations must DNB give me before I sign a loan agreement?
Does the cooling-off period also apply to consumer loans (and credit cards)?
How can I find out why my consumer loan application has been rejected?
I have signed before the 7-day cooling-off period, can I change my mind?
Is it more difficult for couples to get home mortgages together?
Complaints
Where can I find information about DNB's complaint handling procedures?
Does DNB have a deadline for handling complaints?
What happens when I complain about an unapproved payment transaction?
As a customer, do I have a complaint deadline I must observe?