DNB review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
DNB suits Norwegian households and businesses wanting saving, borrowing and cards in one place, and the everyday costs are low: a monthly fee of NOK 0 on the debit card, an annual fee of NOK 0 on the credit card, and an easy-access account paying 2.45%. Lending takes a hard credit check.
Key facts
Loans
- APR
- 11.7%↗
- Loan amount
- NOK 100,000↗
- Term
- 60 months↗
- Arrangement fee
- from NOK 500 (establishment fee, deducted from the granted credit limit)↗
- Credit check
- Hard↗
- Funding time
- 1-2 business days↗
- Representative example
- DNB Forbrukslån: nominal 10.9 %, effective 11.7 %, NOK 100 000 over 5 years, establishment fee NOK 500; cost NOK 30 806, total NOK 130 806↗
- Rate type
- Variable↗
- Lender type
- Direct lender↗
- Eligibility
- Norway; for home loans you can generally borrow up to five times your annual income and need 10 % equity↗
- Loan types
- Personal, Secured, Car, Credit-line, Business↗
- Use cases
- Home-improvement↗
- Pricing model
- No annual fee
Credit cards
Savings
Pros and cons
Pros
- The debit card carries a monthly fee of NOK 0 and the credit card an annual fee of NOK 0, so running the account costs nothing.
- The credit card pays points as SAS EuroBonus points and adds fuel discount and travel insurance.
- Home loans reach a maximum loan to value of 100% at an initial rate of 5.44%, arranged as a direct lender.
Cons
- The savings rate is variable, so the return follows the market and can fall.
- Lending applies a hard credit check, hard, which suits borrowers with a solid record and rules others out.
- Support runs on help centre only, so questions are answered in writing rather than by phone.
Ready to try DNB?
Scored 9.3 / 10 by SumCue.
Who it suits
- Norwegian households keeping a rainy day balance, with a easy access savings account paying 2.45%.
- People buying or remortgaging, with lending for purchase, remortgage and first time buyer and loan to value up to 100%.
- Borrowers with a project such as home improvement who want funding in 1-2 business days.
Who should look elsewhere
- Anyone chasing a guaranteed savings return, since the account pays variable interest that follows the market.
- Applicants with limited credit history, because lending applies a hard credit check, hard.
- People who want to phone a bank, since support runs on help centre only.
Who runs it
The bank trades as DNB Bank ASA and is headquartered in Norway, and it has been a bank since 1822. That long history matters for readers who weigh the safety of their money as much as the rate they earn. Support runs through help centre, so most questions are answered in self service form rather than by a person on the phone.
How DNB compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.4
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9.3 vs 8.9
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9.3 vs 9.0
9.3 vs 8.6
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9.3 vs 9.0
9.3 vs 8.9
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9.3 vs 8.0- 9.3 vs 8.0
Where DNB is available
- Available
- Norway
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a monthly or annual fee for the card and account?+
The debit card carries a monthly fee of NOK 0 and the credit card an annual fee of NOK 0, so holding day to day money costs nothing. Lending is charged through the rate rather than a flat card fee. The card is a debit card, with a separate credit card on the credit side.
Is my money protected if I keep it with DNB?+
Deposits are covered by FDIC up to USD 250,000, so savings balances sit behind a named protection scheme rather than with no backstop at all. Loans and card balances are separate: you owe whatever you borrow on those yourself, and deposit protection does not cover credit.
What interest do I earn on savings, and can I reach my money?+
The savings account pays 2.45% and is an easy access account, so interest moves with the market rather than being fixed for a term. The account also carries No withdrawal limits, which suits anyone who treats savings as money they may need on short notice.
What do I get from the credit card?+
The credit card is a credit card that pays rewards as points, awarded as SAS EuroBonus points rather than cashback. The card also carries fuel discount and travel insurance, so the extras matter more for drivers and travellers than the point value does. The annual fee on it is NOK 0.
What does a personal loan from DNB cost, and how fast is it?+
Borrowing runs at an APR of 11.7% on a loan amount of NOK 100,000, with a term of 60. A hard credit check is part of the application, and funding takes 1-2 business days. The lending range spans personal, secured and car and is arranged directly with the bank rather than through a broker.
How do the home loans work?+
Home loans start at an initial rate of 5.44%, giving an APRC of 5.65%, with the rate held for 10. Borrowing reaches a maximum loan to value of 100%, and purchase, remortgage and first time buyer are all covered. Applicants are in Norway, and home loans generally work on an income multiple and need equity in the property.
How is a home loan application decided?+
Lending runs a hard credit check, hard, so a weaker record counts against the application. Home loans in Norway generally work on an income multiple and need equity in the property, and the borrowing covers purchase, remortgage and first time buyer with a fixed period of 10.
How do I get help, and who can apply?+
Support runs through help centre, so help is written and self service rather than a direct line. Applications are handled as a direct lender, and eligibility is for Norway, where home loans generally work on an income multiple and need equity in the property.
Sources
- dnb.no checked September 26, 2026
Backs: Headquarters, Legal entity
“Hovedkontor Dronning Eufemias gate 30 0191 Oslo”
- dnb.no checked September 26, 2026
Backs: Support channels
“Hjelp og veiledning”
- dnb.no/boliglan checked September 26, 2026
Backs: Maximum loan to value, Purpose
“You can borrow up to 100% of the purchase price with additional security, for example in a parent's home”
- dnb.no/hjelp-og-veiledning/lan checked September 26, 2026
Backs: Term
- dnb.no/kort checked September 26, 2026
Backs: Card type
- dnb.no/kort/kredittkort checked September 26, 2026
Backs: Annual fee, Card kind, Features, Pricing model, Perks, Rewards rate, Rewards type
“Unike fordeler - ingen aarsavgift”
- dnb.no/kundeprogram/bli-kunde checked September 26, 2026
Backs: Monthly fee
- dnb.no/lan/boliglan checked September 26, 2026
Backs: Credit check, Eligibility, Lender type
- dnb.no/lan/forbrukslan checked September 26, 2026
Backs: Funding time, Use cases
- dnb.no/lan/priser checked September 26, 2026
Backs: Loan amount, APR, APRC, Fixed period, Initial rate, Loan types, Arrangement fee, Product fee, Representative example
“Forbrukslån: Nominell rente 10,9 %, effektiv rente 11,7 %, kroner 100 000 over 5 år, etableringsgebyr 500 kroner. Kostnad 30 806 kroner. Totalt 130 806 kroner.”
- dnb.no/om-oss checked September 26, 2026
Backs: Founded
- dnb.no/om-oss/generelle-vilkar checked September 26, 2026
Backs: Deposit protection
- dnb.no/sparing/prisliste-sparing checked September 26, 2026
Backs: Access terms, Headline rate
“Sparekonto ... Pris nye konto fra 12.5.26 ... Rente 2,45 % per år”
- dnb.no/sparing/sparing-pa-konto/innskuddsrente checked September 26, 2026
Backs: Rate type
- dnb.no/sparing/sparing-pa-konto/sparekonto checked September 26, 2026
Backs: Account kind
Compiled from 15 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
DNB
Norwegian households and businesses wanting saving, borrowing and cards from one bank.