Agreement terms and conditions for businesses

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

From 1 January 2023, we got a new financial agreement law in Norway. Among other things, the law aims to give you even stronger consumer protection and prevent debt problems and will affect you as a business customer.

Questions and answers on the new Financial Agreement Act

Accounts

Account agreements, commercial

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

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

Agreement terms and conditions for opening and managing client accounts (PDF, Norwegian) (PDF)Open the file in a new tab

Agreement terms and conditions currency account Day-to-Day market rates (PDF, Norwegian) (PDF)Open the file in a new tab

Agreement terms and conditions, tax withholding account (PDF, Norwegian) (PDF)Open the file in a new tab

Agreement terms and conditions, security deposit account (PDF, Norwegian) (PDF)Open the file in a new tab

Agreement terms and conditions, fixed-rate deposits (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Corporate agreement

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

Basic products and agreement terms and conditions

Account agreement, business conditions, main documents part A (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

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

General terms and conditions - Electronic services (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions DNB Connect/Corporate online bank (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions - eFaktura (eInvoice) (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions – DNB Business cards with Visa (Visa Business) (PDF) (PDF, Norwegian)Open the file in a new tab

Additional products and agreement terms and conditions

Agreement terms and conditions - Tax withholding account, part C of the account agreement (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions - DNB Corporate Mastercard personal liability (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions - DNB Corporate Mastercard company liability (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions -Travel insurance Basis, when using company card (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Online bank and payment services

Agreement terms and conditions DNB Connect/Corporate online bank (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

General terms and conditions - Electronic services (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions - OCR Payment service (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions – DNB Incoming payments Pluss (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions - AvtaleGiro (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

Agreement terms and conditions - eFaktura (eInvoice) (PDF, Norwegian) (PDF, Norwegian)Open the file in a new tab

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

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

Terms and conditions at BankAxept.no

Card products

Mutual fund trading

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

Shares, stock exchange and currency

Your 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, Norwegian) (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, Norwegian)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, Norwegian) (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) (PDF, Norwegian)Open the file in a new tab

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

Other businesses

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

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

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

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

Non-life insurance

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 appointments continue as before?

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

Current agreements are still valid. This means that your agreements with DNB or the financial company still apply, but that the agreements and conditions may be updated. You will be notified of such changes.

Do I have to sign new agreements in order for the new rules to apply to my agreements?

Why do I receive letters as a business customer?

Corporate card

What's new for corporate cards?

Complaints

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

Does DNB have a deadline for handling complaints?

We will respond to you in writing, in clear language, as soon as possible. If we have not responded to you within 15 working days after we have received your complaint, we will send you a preliminary response with information on the reason for the failure to respond and when you will receive a final response from us.

In exceptional cases, which are beyond our control, it may take 35 days before you receive a reply from us. Please note that this does not apply to complaints related to industry.

More about the new Financial Agreement Act

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