No lock-in period
You can withdraw money without giving notice. See the price list for withdrawal terms.
Savings account
Personal savings with a variable interest rate and no lock-in period. Norwegian BankID is required.
Transfer
Deposits are made using both the account number and KID number. You will find these after logging in to the online bank.
Deposit protection
Deposits are covered up to NOK 2 million per customer per bank through the Norwegian Banks' Guarantee Fund.
How to get started
- Complete the online application and confirm with Norwegian BankID.
- Read and sign the account agreements you receive. We may ask for further information before opening the account.
- Log in to online banking to find the account number and KID for your deposit.
Frequently asked questions
Who can apply for a savings account?
The savings account is for private individuals. You must be over 18, have a Norwegian national identity number and Norwegian BankID. We offer accounts only for private individuals, and only one account per customer.
We do not offer business accounts. Any savings account offers for businesses will be announced via Fixrate.no.
How do I apply and get access to the account?
The application is completed electronically by entering your national identity number, name and address, and by answering statutory questions about the purpose of the customer relationship, the origin of funds and tax residency. Registration is completed with BankID signing.
After registration, some customers will receive a message from «Kundesjekk». The message contains a safe link and must be answered before the customer relationship can be established.
Within two business days you will receive an email with links to the account agreement, e-bank agreement and general terms. The email is sent from an address ending in sdc.dk. The documents must be read and signed electronically with BankID.
Access to the account and online bank is created after signing. To deposit funds, you must use both the account number and KID number. These are available in the online bank.
Can I open more than one account?
We offer only one account per person.
More questions
How do I use the account?
This is a fully digital bank where you manage the account yourself in the online bank. Account access and online banking are free of charge.
Deposits must use both account number and KID number. You will find your numbers after logging in to the online bank.
What payment deadlines apply?
The bank receives deposits every business day. Deposits must include both the account number and KID. The account number for all customers is 15035264474, and your personal account number with the bank is used as KID. Log in to find it.
Outgoing payments are processed at 14:00 every business day. You must approve the payment with BankID before 14:00, preferably a few minutes earlier if it is essential that the amount leaves the same day. You do not need to notify the bank before making a withdrawal. The time of receipt varies from bank to bank.
How many withdrawals can I make?
There are 11 free withdrawals per calendar year. See prices and interest rates for details.
Can I give someone else access to my account?
Only the account holder may operate the account.
How do I update my contact details?
To provide the best possible service, we need up-to-date contact details. As part of our efforts to prevent fraud, you must register your own contact details. We do not accept shared mobile numbers or email addresses.
Log in to online banking and select Settings -> My contact details. You should be able to make changes yourself. If you need help, send the correct contact details through Messages in online banking.
How do I close the account?
For security reasons, account termination must be requested in writing through a message in the online bank. The account is closed once the bank has received the message.
First withdraw the balance in the online bank. Then send a message stating that you want to close the account, including the account number for payment of accrued interest. This must be an account you own in another Norwegian bank, and it must not require KID.
Is my deposit guaranteed?
The bank is a member of the Norwegian Banks' Guarantee Fund, which guarantees deposits up to NOK 2 million per customer.
How do I avoid fraud?
Never share BankID information, codes or passwords. The bank, police or others will never ask you to provide this information. If you are asked to provide BankID, it is fraud.
If you receive an email or SMS with a link and are unsure whether it is safe, search for the sender's website yourself and enter from there. To contact the bank in writing, log in to the online bank and send a secure message.
Do you offer business accounts?
We do not offer business accounts. Any savings account offers for businesses will be announced via Fixrate.no.
Stop! Think. Check.
Fraudsters may pretend to be your bank or someone you trust. Take time to check before clicking a link, sharing information or transferring money.
Read our advice on recognising fraud and what to do if you are targeted.
Want to apply for a savings account?
Apply online and sign with Norwegian BankID.