Price list savings

Savings account	Interest rate
Interest rate	1,35 %

Unlimited number of free withdrawals per year.

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Savings accounts for children	Interest rate
Barnas Sparekonto (Children's Savings Account)**	2,70 % per year
Intro Sparekonto (Intro Savings Account)***	2,70 % per year

Monthly saving amount is optional. Cards are not issued on these accounts. 
**The account will be opened in the name of the child and may be freely operated by the child’s parents/guardians. 
*** The account may be freely operated by the child. 
 

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Boligsparing for ungdom (BSU) -  Home savings scheme for young people	Interest rate
Interest rate	4,95 % per year

 

From the time the customer reaches the age of 34, the account will have the same interest rate as ordinary savings accounts. Savings to be used to buy a home or to repay an existing mortgage. If used for other purposes a fee of 2% of the withdrawn amount will be charged.


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Fixed rate deposits up to NOK 8 mill	Minimum deposit	Interest  rate
3 months	NOK 10 000	3,10 % per year
6 months	NOK 10 000	3,70 % per year
1 year	NOK 25 000	3,50 % per year
2 years	NOK 25 000	3,25 % per year
Fixed rate deposits between NOK 8 mill NOK 20 mill
3 months		2,85 % per year
6 months		3,45 % per year
1 year		3,50 % per year
2 years		3,00 % per year

The maximum amount applies per customer per sales period. These terms may be changed on short notice.
The funds are tied up until the maturity date. Any withdrawals before this date are subject to a withdrawal fee, which is calculated as 1 % of the withdrawn amount for the remaining time to maturity.

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Mutual funds

Fee-free subscription for and redemption of units in all of our mutual funds. This applies to equity funds, balanced funds, blend funds, bond funds and money market funds. The minimum subscription amount is NOK 100 or more, depending on the fund. The minimum amount under fixed saving agreements is also from NOK 100 and up. Annual management fees are charged by all the funds. The fee will be specified in the fund’s prospectus.

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Pure endowment insurance	Annual adm. fee	Deposit fee		Annual management fee
Garanti Kapital I	0.70%	0%		1%
Garanti Livrente (annuity)	0.35%	0,50%		1,0%
Garanti Pensjon Spar (Pension saving)	0.60%	0%		1.30%
Link Pensjon Spar (Pension saving)	0.90%	0%		Varies*
PensjonSpar	0%	0%		Depends on composition of mutual fund investment portifolio

* The costs associated with the individual funds are debited from the fund daily by the fund managers and have already been taken into account in the quoted unit prices.

Investment account

No fees for buying and selling mutual fund units covered by the scheme

Brokerage commission in connection with online equity trading 0.05 %, minimum NOK. 95.00

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Barnas Trygghetskonto, product no longer for sale - child benefits savings account with non-life insurance	Interest rate
Balance up to NOK 10 000	1.90%
Balance of NOK 10 000 or more	2.15%
Examples of effective interest rates
NOK 20 000	2.03%
NOK 50 000	2.10%

• 12 free withdrawals/transfers from the account per calendar year.
• The fee for additional withdrawals/transfers from the account is 1.00% of the withdrawn/transferred amount. The fee will be debited from the account.
• Fixed payments in the form of loan payments or investments in mutual funds are not regarded as withdrawals in this context.

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General information SAGA
The rates and terms for customers who subscribe to SAGA are the same as those for the Leve.
Unauthorised overdrafts – interest and charges
Overdrawing of accounts is not allowed and penalty interest will accrue on any overdrawn amounts. 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

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:

• Se www.dnb.no
• Call customer service on +47 915 04800
• 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.


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