Price list account, card and internet banking

Silver card (Leve package) and SAGA
Our banking packages include a current account, card and Internet bank services. The banking services you use the most, such as debit card purchases and bill payments using the Internet bank are free of charge. You only pay NOK 275 annualy for Visa card. For further prices, please see below.

Intro and Student
Our banking packages include a current account, card and Internet bank services, and the use of this services is free of charge. Student is for you between 18 and 34 years. For further prices, please see below.

Cards and accounts	Internet bank and mobile banking	Other services
Debit card Credit card Card linked to bill payment account Current account – deposit rates Equity trading account Security deposit account For savings account, se price list for savings	Internet bank Mobile banking Text banking Notifications Telephone banking services (Kontofon)	Avtalegiro (direct debit) Telegiro BankAxess In-store banking outlet Cross-border payments Brevgiro Standing orders Manual services in branch office Card use limits General information

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Internet banking service	All customers
Use	Free
Receipt sticker sent by post	20,-

Vipps	All customers
Per transaction	Free
Per transaction over 5.000 kroners	1 % of ammount

Text banking and notifications (SMS)	All customers
Use	2,- *

You will be charged per received text message. The service is currently only available in Norwegian.

Kontofon (telephone banking service)	All customers
Per call	2,-

Outgoing cross-border payments	Electronic
Europe payment 1)	30.00
Ordinary	60.00
Express	300.00
To recipient without account – paid out in cash/cheque
Cross-border payments – supplementary services
Additional charge if payer pays charges outside Norway	135.00
Extra notification by telefax	150.00
Customer error that leads to claim/objection (including stop payment/recall of payment) 2)	300.00

1) The transfer must be in Euro or the currency of the receiving country. Click here for list of countries. Only valid alternative for charges is ‘shared payer/payee’.

2) Any other Bank charges are in addition to this.
NB! If the payment has been debited from the account, recalling it will involve reversing the payment using the bank's buying price for the currency in question. The currency exchange will normally result in a loss.

The fees for standing orders are the same as for paper-based payments.


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Incoming cross-border payments	Electronic	International cheque in NOK or other currency
Amounts up to NOK 5 000 (or equivalent in other currency) 1)	50.00
Amounts exceeding NOK 5 000 (or equivalent in other currency) 1)	100.00
EU/SEPA payment 1)	20.00
Pension payment to account – all amounts	0.00
Cheque up to NOK 2 000 2)		75.00
Cheque exceeding  NOK 2 000 2)		150.00
Pension cheque		0.00

Incoming cross-border payments – supplementary services
Additional notification by telefax	150.00
Cheque sent for collection through bank outside Norway 3)	450.00
Honoured cheque returned by bank outside Norway 3)	150.00

1) Applies to payments where IBAN and BIC are specified sent from EU/EEA country using standard code for charges – i.e. payee only pays charges in Norway. Applies to all amounts in Euro and up to SEK 500 000 for payments in Swedish kroner. The fee for payments exceeding SEK 500 000 is NOK 100.

2) Also applies to recall of international cheque issued by DNB. The fee is NOK 20 for cheques under NOK 300

3) Any other Bank charges are in addition to this.

	Current price
BrevGiro (giros sent for processing in special pre-addressed envelopes)
Fee per giro (postage per envelope comes in addition to this)	12.00
Return of unprocessed giros due to insufficient funds, incorrect form or insufficient information	85.00
Issuance of money order	100.00
Receipt sticker sent by post	14.00
List of receipts sent by post	10.00
Return of payments	95.00

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Current account – deposit rates	Silver (Leve), Intro, Student and SAGA	Other customers
Interest rate	0.10 %	0.10 %

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Opening and maintenance of security deposit account	Internet banking	Branch office
Up-front fee	300,-	1000,-

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	Current price
In-store banking outlet
Withdrawal	20.00
Deposit to account	Free
Giro payment	100.00
Encashment of giro money order - paid in cash - for deposit in account	50,- Free

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Manual services in branch office Special rates apply for other banks´ customers. For further information please contact one of our branch offices.
Giro paid in cash over the counter - fee if the recipient’s account number is not specified	75.00 135.00
Giro delivered over the counter for debit from account - fee if the recipient’s account number is not specified	75.00 100.00
Donation to charity fund-raiser paid by giro	0.00
Purchase of gift cheque or money order	60.00
Rolls of coins (per roll) - charge for DNB customers - charge for other banks’ customers	4.00 15.00
Encashment of giro money order	75.00
Encashment of cheque or money order - drawn on DNB - drawn on another bank	0.00 100.00
Cash deposits - deposited in own account over the counter or in cash deposit machine - deposited in another person’s account in DNB	0.00 75.00
Cash withdrawal over the counter: - from own account in DNB - from account in another bank (for DNB’s customers only)	0.00 100.00
Cheque (per cheque written)	50.00
Closing of account - to own account in DNB - to other customer´s account in DNB - to account in another bank	0.00 75.00 75.00
Coin counting for DNB customers	0.00
Transfer between own accounts in DNB - with message - without message	10.00 10.00
Transfer to other customer’s account in DNB	75.00
Return of payment instructions rejected due to insufficient funds on account	85.00
Cheque, bank draftor Giro money order deposited into account	0.00
Refund of uncashed giro money order	50.00
Redemption of unused travellers’ cheques - purchased from DNB - if not purchased from DNB, fee per cheque	0.00 50.00
Purchase/sale of foreign currency cash	50.00

Photocopies
Copy of voucher/statement, per copy (e.g. giro, bank statement, annual statement etc.)	100.00

Safe-deposit boxes
For information about prices for renting bank boxes please contact the relevant DNB office
If no debit account in DNB is specified, a fee will be charged for sending an invoice for the rent	50,00
Replacement of lock if customer has lost the safe-deposit box key	500,00
Locksmith service for opening safe-deposit box if customer has lost both keys. Includes replacement of lock	1500,00

Value-dating rules
The value date is the date from/to which interest is calculated on amounts deposited over the counter, by means of cash deposit machines or in connection with money transfers. The cut-off time for same day value-dating of credit and debit transactions is 13:30.

The value-date for transactions after the cut-off time will be the next banking day or the next calendar day as set out below:

Transaction type	Value-date	Before cut-off time	After cut-off time
Out	Debit	Today’s date	Next banking day
Fee	Debit	Today’s date	Next banking day
Cheque	Debit	Today’s date	Today’s date
In	Credit	Today’s date	Next banking day
Transfer/payment	Debit	Today’s date	Next banking day

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General information

Telephone service provider charges
When you call DNB or use SMS or telephone services, your telephone service provider´s charges will come in addition to the amount set out in this price list. Some telephone service providers charge special rates for calls to 5-digit numbers. Click here for more information about these rates.

Corporate customers
Please see the price list for corporate customers posted on the webpage dnb.no/corporate

Use of cards outside Norway
The currency exchange rate applied to card purchases outside Norway is the rate on the settlement date in Visa International and Master card International, respectively, plus a conversion fee of 1.75%. All purchases and withdrawals using DNB VISA and DNB Mastercard cards will be converted to NOK

Unauthorised overdrafts – interest and charges
Overdrawing of accounts is not allowed and penalty interest will accrue. The penalty interest rate is currently 20% p.a. Dunning fees in accordance with the Norwegian Debt Collection Act come in addition to this.

Commercial customers
Please see the price list for corporate customers posted on the webpage dnbnor.no/corporate

Deposit guarantee
As required by to the Norwegian Act number 75 of 6 December 1996 on Guarantee Schemes for Banks, the bank is a member of the Norwegian Banks’ Guarantee Fund. In accordance with the Act, aggregate deposits of up to NOK 2 million per depositor are guaranteed by the fund. The maximum amount of NOK 2 million applies even if the depositor has several accounts in DNB, irrespective of whether the accounts were opened in DNB, Den norske Bank, Gjensidige NOR Sparebank, DNB, DnB Privatbank, Vika Bank or Cresco, as these are all part of the DNB Bank group. Any amounts owed to the bank may be set off against the guaranteed amount if the debt has fallen due for payment and the bank has a right of set-off according to then prevailing Norwegian law. The guarantee shall apply even if the bank itself is unable to meet its financial obligations.

How to contact us:

• See www.dnb.no
• Call customer service on 04800 24-hours a day.
• Drop by one of our branch offices

We reserve the right to change the rates and prices at any time and do not guarantee that there are no errors in the price list. If the terms and conditions for the products and services you use are changed, you can terminate the agreement free of charge up until the changes enter into force.

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Other prices:
Savings and Insurance
Loans