FAQ – Vanlige spørsmål og svar

Call Lindorff on the number stated in the letter you have received from them. Lindorff deals with all enquiries concerning debt collection. The earlier you contact them, the sooner you can arrange to settle the claim.

We consider all applications individually, but will typically reply within 24 hours. If you have any questions or want to check up on your application, contact the broker you applied through for more information.

You can apply for a consumer loan from us if you are over the age of 25 and permanently resident in Norway with a Norwegian national ID number. All applications are considered individually, and the interest rate we offer will depend on your personal financial circumstances.

Login and signing of applications is done using BankID, using either a password calculator or your mobile. Use the BankID you were issued with by your existing bank.

If you have applied for a loan and not had a reply from us yet, contact the broker you applied through for more information. If your application has been declined, you will not be able to reapply.

You can repay the entire loan amount at any time by transferring the outstanding amount plus the interest stated on your last bill to the account number quoted on the bill. If you overpay, the excess will be refunded to you, but if you underpay, the remaining amount you have to pay will be on your next bill.

You will receive an e-mail and a text message from us containing a link to a digital signature room, where you can sign the loan agreement using your BankID. This is also when you are issued with your Loan Repayment Plan. After you have signed the documents, the loan amount will be paid to the account number you specified in your application, typically on the same day.

After you have signed the documents in the digital signature room, the loan will be paid to the account number you specified in your application, typically on the same day.

Our credit rating process considers many factors, but the usual reasons for turning down an application are: negative payment records in the Norwegian Personal Property Register, that the loan amount is too high relative to what you can afford, or that the information you provided in your application conflicts with public records.

If you want to change your application, contact the broker you applied through for more information.

You do this in your internet bank, by making the payment to the account number stated on your instalment notice. You have a separate account number for your loan, so you do not need to enter your customer ID (KID).

The best thing to do is to pay the overdue instalment as soon as possible, and at least by the due date stated on the reminder – and then take care to pay the next instalment on time. It’s a good idea to set up AvtaleGiro direct debit so you don’t risk missed repayments. If you are unable to pay by the due date, call the number stated on the reminder.

Instalment notices will be sent to you by post. If you pay via your internet bank, we recommend setting up AvtaleGiro direct debit so you avoid fees for missed or late payment. We don’t think it should cost you extra to repay your loan, which is why we charge zero fees for payments made automatically if you set up AvtaleGiro direct debit.

In most cases, you can work around this by accessing our internet bank directly, in the top-right corner of the website. - https://nettbank.mybank.no/

We are unfortunately unable to accept eFaktura electronic billing as a means of paying monthly instalments. You can set up AvtaleGiro direct debit by following the instructions provided below. We charge you no monthly fees if your instalments are paid automatically by AvtaleGiro direct debit, which is why we recommend that all our customers use this service.

Instructions for setting up AvtaleGiro direct debit in another bank:

1. The giro you receive must be paid as a KID payment from your preferred debit account
2. “Til konto” - here you enter MyBank’s OCR account = 93760100437
3. The amount is the same as stated on the bill/giro
4. “Kundeidentifikasjon (KID)” - here you enter the loan number shown on the physical paper bill you have received under “Til konto”
5. After the payment has been made, the internet bank’s AvtaleGiro direct debit facility will prompt you to set up AvtaleGiro direct debit for MyBank.
6. Next, select AvtaleGiro as your preferred payment service agreement in the same way as you would for setting up other regular payment service agreements. This will now be implemented from the next instalment due date.

In most cases, you can work around this by accessing our internet bank directly, in the top-right corner of the website. - https://nettbank.mybank.no/

Yes, MyBank is a member of the Norwegian Banks’ Guarantee Fund and your savings are guaranteed by up to NOK 2,000,000 per customer.

MyBank is not currently directly connected to the SWIFT international payments system, so you will not be able to transfer money directly to your account. However, to assist customers who need to transfer money from abroad, we have the following arrangement: Transfer the money to MyBank’s foreign currency transfers account with IBAN account no. NO60 1503 8913 589 and SWIFT-BIC DNBANOKKXXX, and mark the payment with your MyBank account number. When the money reaches our foreign currency transfers account we will transfer it to your MyBank account within 24 hours. In this way, we are able to offer a smooth service without incurring high costs.

BankID is the Norwegian banks’ joint system for logging in (authentication) and can also be used for signing. This is equivalent to a physical signature, and means we avoid having to send you documents by post.

BankID requires a higher level of security for signing than for logging in. This is why you have to enter a password in addition to your password for BankID mobile or from a password calculator. If you have forgotten this password, you will need to contact your bank to obtain a new one – this is typically done in your internet bank.

Every once in a while you may find that BankID is out of service or unstable. If you are unable to access our internet bank, try logging in to another site using the same BankID – such as to your current account with another online bank. You can also check the system status of BankID at www.bankid.no (where it says “Status” in the top-left corner). If the problem only occurs on our site, you can contact our customer service.