{
  "id": 14758843,
  "title": "Dårligere sparerente: Du får mindre igjen - bankene tjener mer",
  "url": "https://urgent.news/2026/10/15/darligere-sparerente-du-far-mindre-igjen-bankene-tjener-mer",
  "topic": "business",
  "section": "Business",
  "published": "2026-10-15T17:47:46.000Z",
  "source": {
    "name": "E24 Norway",
    "slug": "e24-norway",
    "url": "https://e24.no/norsk-oekonomi/i/lKeX0M/daarligere-sparerente-du-faar-mindre-igjen-bankene-tjener-mer"
  },
  "original_language": "en",
  "account": "Banks are paying out less interest on savings accounts while charging more for mortgages, leading customers to earn less from their accounts. This shift occurred after the central bank raised its policy rate to 4.5 percent in late September. Immediately afterwards, banks quickly adjusted mortgage rates, and they also moved swiftly to alter savings rates. The Norwegian central bank's policy rate, also known as the \"styringsrenten,\" is the benchmark that influences the interest rates for both savings and loans. For accounts with up to 100,000 kroner, the DNB savings rate dropped from 2.75 percent in 2024 to 2.70 percent for the standard account and 2.55 percent for the \"Sparekonto pluss.\" Despite this seemingly small difference, it can translate into significant sums for banks. According to Renteradar, a financial comparison website, banks could earn an extra 1.6 billion kroner annually by not increasing savings rates as much as they raised mortgage rates. The difference in how banks adjusted savings rates in 2026 compared to the last rate hike in late 2023 is notable, according to Renteradar's market chief Sindre Noss. When banks adjust interest rates, they consider various factors like the central bank's policy rate, but they do not automatically adjust savings rates in tandem. As borrowing from banks becomes more expensive and customers earn less from savings, banks are hoping for greater profits. In 2025, DNB reported a profit before tax of 54 billion kroner, paying out 26.6 billion kroner in dividends to shareholders. The Norwegian state holds around one-third of DNB's shares. Nordea, a major bank with a presence in Norway, Sweden, Denmark, and Finland, earned 6.3 billion euros after tax in 2025, equivalent to roughly 70 billion kroner. Nordea's savings rate for the BufferSpar account dropped from 3.75 percent to 3.15 percent, while its \"Sparekonto Ekstra\" rate fell from 4 percent to 3.6 percent. Markedssituasjonen, or the market situation, has changed significantly since 2024, affecting interest rates due to financing costs, competition, and customers' preferences for savings products. Consequently, the interest rate on the account you choose is now lower than it was two years ago. Petter Sørra, a communication advisor at Nordea, noted that the market situation has evolved considerably since 2024, particularly in terms of financing costs, competition, and customer preferences for savings products.",
  "summary": "I Norges største banker er renten på sparepengene dine dårligere nå enn den var forrige gang…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}