Bank Fraud Help · Norway
SpareBank 1 Fraud: How to Report It and Stop the Money
If money left your SpareBank 1 account without your permission, or you paid a scammer, contact SpareBank 1 straight away and ask it to block the payment and your card. The first minutes matter most.
Do this first
- Call SpareBank 1’s official line below, or use help inside the official SpareBank 1 app. Never use a number from a text, a caller or a search result.
- Give them the transaction details (amount, time, and the account or number you paid) and ask them to block your card and stop or recall the payment.
- Change your online banking password and PIN if anyone may know them. SpareBank 1 will never ask for your PIN, password or a one-time code.
- Report it to the police too: see who handles cybercrime in Norway, and keep screenshots of every message and payment.
Official SpareBank 1 fraud contacts
SpareBank 1 (regional banks)
Bank- SpareBank 1 SMN customers (also from abroad):+47 915 07300(Weekdays 7am–10pm, weekends and holidays 10am–6pm)
- SpareBank 1 Sør-Norge customers (also from abroad):+47 915 02002(Weekdays 7am–10pm, weekends and holidays 10am–6pm)
- SpareBank 1 Østlandet customers (also from abroad):+47 915 07040(Weekdays 7am–10pm, weekends and holidays 10am–6pm)
- SpareBank 1 Nord-Norge customers (also from abroad):+47 915 02244(Weekdays 7am–10pm, weekends and holidays 10am–6pm)
- SpareBank 1 Østfold Akershus customers (also from abroad):+47 915 05700(Weekdays 7am–10pm, weekends and holidays 10am–6pm)
App or online: In the mobile or online bank: Kort › choose the card › Sperr kort (works for children's and youth cards too). To dispute misuse, choose Reklamasjon.
Email: [email protected]
Know this about Norway
- In Norway your own share of a fraud loss is capped at NOK 450 under Norwegian law, not the EUR 50 used in EU countries.
- SpareBank 1 is a group of separate regional banks, each with its own number. Call the one for your bank, shown in your app or on your card.
- We could not verify a phone number for DNB. Use the number on the back of your card or in the DNB app.
If SpareBank 1 won’t help
Finansklagenemnda (Norwegian Financial Services Complaints Board)
Out-of-court complaints from consumers about banks and other financial services, if your bank rejects your claim.
Complain to your bank first and wait until it has finished handling your case. Submit through the online form or by post (not by email); the case must not be in court, and the bank must be a member.
Official websiteYour rights as a SpareBank 1 customer in Norway
- Financial Contracts Act (finansavtaleloven) § 4-30: your share of the loss. Your bank is liable for losses from payments you did not authorise. If a lost or stolen card or other payment method was misused, your own share is at most NOK 450, and nothing if you could not have noticed the problem beforehand. You can be held liable for more only if you were grossly negligent (up to NOK 12,000 for electronic payment methods) or acted on purpose. Source
- Financial Contracts Act (finansavtaleloven) § 4-32: refund deadline. If you dispute that you are liable, your bank must refund the amount and lost interest, minus your own share, immediately and no later than the end of the next business day. It may hold the refund only if it reasonably suspects fraud on your part and takes the case to court or a complaints body within four weeks of your written objection. Source
Report it to the police too
Cybercrime agencies in Norway lists who to report to.
Common questions about SpareBank 1 fraud
- What is the SpareBank 1 fraud helpline number?
- SpareBank 1 lists these numbers on its own website: SpareBank 1 SMN customers (also from abroad): +47 915 07300 (Weekdays 7am–10pm, weekends and holidays 10am–6pm); SpareBank 1 Sør-Norge customers (also from abroad): +47 915 02002 (Weekdays 7am–10pm, weekends and holidays 10am–6pm); SpareBank 1 Østlandet customers (also from abroad): +47 915 07040 (Weekdays 7am–10pm, weekends and holidays 10am–6pm); SpareBank 1 Nord-Norge customers (also from abroad): +47 915 02244 (Weekdays 7am–10pm, weekends and holidays 10am–6pm); SpareBank 1 Østfold Akershus customers (also from abroad): +47 915 05700 (Weekdays 7am–10pm, weekends and holidays 10am–6pm). Always dial the number printed on your card or shown in the official app if you are unsure.
- How do I report fraud to SpareBank 1?
- Call SpareBank 1's official line, or report it in the app or online: In the mobile or online bank: Kort › choose the card › Sperr kort (works for children's and youth cards too). To dispute misuse, choose Reklamasjon., or by email: [email protected]. Tell them the amount, the time and the account the money went to, and ask them to block your card or the payment.
- What if SpareBank 1 will not help or refund me?
- In Norway you can complain to Finansklagenemnda (Norwegian Financial Services Complaints Board). Details of what each one handles are on this page.
Other providers in Norway
These contacts were read on SpareBank 1’s own website on 3 October 2026. If a number has changed, use the one in the official app and tell us. Ministry of Cyber Affairs is not SpareBank 1 and cannot recover money. All Norway providers are in Bank Fraud Help: Norway.