Agreement terms and conditions for businesses

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.

Account

Account agreements, commercial

• Part A Main document (PDF, Norwegian)
• Part B General Terms and Conditions of Deposit and Payment Services (PDF)
• Agreement terms and conditions for opening and managing client accounts (PDF)
• Agreement terms and conditions currency account Day-to-Day market rates (PDF, Norwegian)
• Agreement terms and conditions, fixed-rate deposits (PDF, Norwegian)

• Agreement terms and conditions, security deposit account (PDF, Norwegian)¨

• Agreement terms and conditions, tax withholding account (PDF, Norwegian)
• Agreement terms and conditions of funds availability DNB Bank ASA, NY Branch

Corporate agreement

• Terms and conditions for corporate agreement with account, card and online bank (PDF, Norwegian)

Basic products and agreement terms and conditions

• Account agreement, business conditions, main documents part A (PDF, Norwegian)
• General Terms and Conditions – Deposits and Payment Services, Part B (PDF)
• General terms and conditions - Electronic services (PDF, Norwegian)
• Agreement terms and conditions - DNB Connect/Corporate online bank (PDF, Norwegian)
• Agreement terms and conditions - eFaktura (eInvoice) (PDF, Norwegian)
• Agreement terms and conditions - DNB Business cards with Visa (Visa debit card) - valid from 1.1.2023 (PDF, Norwegian)

Additional products and agreement terms and conditions

• Agreement terms and conditions - Tax withholding account, part C of the account agreement (PDF, Norwegian)
• Agreement terms and conditions - DNB Corporate Mastercard personal liability (PDF, Norwegian)
• Agreement terms and conditions - DNB Corporate Mastercard company liability (PDF, Norwegian)
• Agreement terms and conditions -Travel insurance Basis, when using company card (PDF, Norwegian)

Online bank and payment services

• Agreement terms and conditions DNB Connect/Corporate online bank (PDF, Norwegian)
• General terms and conditions - Electronic services (PDF, Norwegian)
• Agreement terms and conditions - OCR Payment service (PDF, Norwegian)
• Agreement terms and conditions – DNB Incoming payments Pluss (PDF, Norwegian)
• Agreement terms and conditions - AvtaleGiro (PDF, Norwegian)
• Agreement terms and conditions - eFaktura (eInvoice) (PDF, Norwegian)
• Agreement terms and conditions - KAR Account Validation Service (PDF, Norwegian)

• Merchant agreement BankAxept (PDF, Norwegian)
• Terms and conditions at BankAxept.no

Card products

Visa Business

• Agreement terms (PDF)

Corporate card BankAxept

• Agreement terms (PDF)

DNB Corporate Mastercard

• Travel insurance (PDF, Norwegian)
• Account terms and conditions - Card admin (PDF, Norwegian)
• Account terms and conditions - Personal responsibility (PDF, Norwegian)
• Account terms and conditions - Corporate responsibility (PDF, Norwegian)

Purchasing account

• Agreement terms and conditions (PDF, Norwegian)

Mutual fund trading

• Electronic trading in mutual funds (PDF, Norwegian)

Shares, stock exchange and currency

• Online equity trading
• Online foreign exchange trading

Pensions

• Defined-contribution pension (PDF, Norwegian)

Personnel insurance

• General terms and conditions (PDF)
• Workers' compensation insurance (PDF)
• Corporate group life insurance (PDF)
• Group accident insurance (PDF)
• Leisure accident insurance (PDF)
• Health insurance (PDF)
• Sickness assessment insurance (PDF, Norwegian)
• Sick pay insurance (PDF, Norwegian)
  
• Income protection insurance (PDF, Norwegian)
• Other sickness insurance (PDF)
• Additional terms and conditions other sickness insurance (PDF)
  
• Disability lump sum (PDF, Norwegian)
  

Public enterprises

• Personnel insurance, municipalities (PDF, Norwegian)
• Personnel insurance, hospital trusts (PDF, Norwegian)

Other businesses

• Companies covered by the main tariff agreement (PDF, Norwegian)
• Personnel insurance Government enterprises (PDF, Norwegian)
• Protection insurance NHO - Confederation of Norwegian Enterprise Shipping (PDF, Norwegian)
• Protection insurance Norwegian Shipowners' Association (PDF)

Non-life insurance

• General terms and conditions, non-life insurance (PDF, Norwegian)
• Industrial machinery insurance (PDF, Norwegian)
• Vehicle insurance (PDF, Norwegian)
• Housing cooperative and co-ownership insurance (PDF, Norwegian)
• Commercial boat insurance (PDF, Norwegian)
• Cyber insurance (PDF, Norwegian)
• Business interruption insurance (PDF, Norwegian)
• Asset insurance (PDF. Norwegian)
• Crime insurance (PDF, Norwegian)
• HGV insurance (PDF, Norwegian)
• Commercial property insurance (PDF, Norwegian)
• Projects and contract works insurance (PDF, Norwegian)
• Commercial all risks insurance (PDF, Norwegian)
• Commercial trailer insurance (PDF, Norwegian)
• Transport insurance interruption fixed location (PDF, Norwegian)
• Transport insurance thermo-clause transport (PDF, Norwegian)
• Transport insurance expenses wreck removal turnover (PDF, Norwegian)
• Temporary licence plate insurance (PDF, Norwegian)

Liability

• General liability (PDF, Norwegian)
• Liability with contract (oil and gas) (PDF, Norwegian)
• Builder (PDF, Norwegian)
• Boat repair (PDF, Norwegian)
• Dealership responsibility unregistered motor vehicle (PDF, Norwegian)
• Economic loss (PDF, Norwegian)
• Property damage lawyer (PDF, Norwegian)
• Property damage architect and engineer (PDF, Norwegian)
• Horse (PDF, Norwegian)
• Environmental insurance (PDF, Norwegian)
• Legal aid (PDF, Norwegian)
• Freight forwarding - company liability (PDF, Norwegian)
• Board of Directors’ liability (PDF, Norwegian)
• Veterinarian (PDF, Norwegian)

_{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.}