Authority and scope
Sections ↑Finanstilsynet is the Norwegian financial supervisor. It oversees regulated financial activity and consumer interests, but it does not adjudicate a customer’s complaint against a supervised institution. Authorisation, dispute resolution and firm-failure protection must therefore be checked separately.[1][4]
Reference table01
Choose the correct route
| Question | Official position and practical route |
|---|---|
| Check a provider | Search the official registry for the contracting company, activity and applicable authorisation or cross-border basis.Source 2 |
| Complain about service | Complain to the institution first. It should identify the competent external complaints body.Source 4 |
| Report a suspicious offer | Consult market warnings and send the information through the authority’s published reporting route. For a suspected scam, contact the bank and police as appropriate.Source 3 |
| Missing assets after failure | Distinguish eligible deposits from a claim for unreturned investment-firm client assets. Different schemes and limits apply.Source 5Source 8 |
Registers and permission checks
Sections ↑Reference table02
A useful verification sequence
| Question | Official position and practical route |
|---|---|
| Exact entity | Start with the agreement’s legal company, not only a brand or app name. The registry is the official lookup.Source 2Source 3 |
| Service and territory | Check whether the record covers the proposed service and whether activity is through a Norwegian institution, foreign branch or cross-border notification.Source 2Source 5 |
| Contact identity | Compare official record details with the contact and payment instructions received; an authentic firm’s identity can be misused.Source 3 |
| Warning limitations | The authority warns that its alert list cannot include every unauthorised or fraudulent operator. Absence from the list is not approval.Source 3 |
Check the exact legal entity, permissions, current status and scope in the official record. A brand connection in our coverage does not establish authorisation.
Complaints and dispute resolution
Sections ↑Reference table03
What the complaint process requires
| Question | Official position and practical route |
|---|---|
| Broker first | Give the institution a written complaint and request its final position. Identify the conduct, loss calculation and remedy requested.Source 4Source 7 |
| Finansklagenemnda scope | The bank/finance guide covers eligible consumer disputes concerning participating providers. Business complaints and non-members fall outside that route.Source 7 |
| Complete provider review | The institution must have finished considering the complaint before the board normally takes it up.Source 7 |
| Documents | Submit the decision, correspondence, agreement and relevant account or transaction evidence, with the requested outcome and provider reference.Source 7 |
| Submission channel | Use the board’s online form or postal route. Its bank guide explicitly says that complaints are not accepted by email.Source 7 |
| Cost and outcome | The board service is free. Its decisions are not equivalent to binding court judgments.Source 6Source 4 |
| Overlap and alternatives | Court proceedings or another body’s jurisdiction can exclude a case. Finanstilsynet also lists securities-sector complaints bodies: do not assume every brokerage dispute belongs to the bank panel.Source 7Source 4 |
Reporting misconduct and enforcement
Sections ↑Reference table04
Reporting and recovery are different
| Question | Official position and practical route |
|---|---|
| Official concern route | The market-warning page gives [email protected] and links to the authority’s whistleblowing route. Use the channel appropriate to the report.Source 3 |
| Possible supervisory response | Information can inform warnings and action against unauthorised activity. The authority does not promise individual progress reports or recovery of money.Source 3 |
| Possible investment scam | Contact the payment bank promptly and the police as appropriate. A regulatory tip alone is not a payment recall or compensation application.Source 3 |
| Individual redress | Continue through the provider and appropriate complaints body for an account dispute; Finanstilsynet cannot decide damages between the parties.Source 4 |
Compensation and firm failure
Sections ↑Reference table05
Which scheme addresses which loss?
| Question | Official position and practical route |
|---|---|
| Norwegian bank in Norway | The ordinary guarantee is up to NOK 2 million per depositor per bank, aggregating eligible accounts.Source 8 |
| Norwegian bank’s foreign branch | The published branch limit is generally EUR 100,000; the branch must disclose the applicable protection.Source 8Source 5 |
| Foreign bank in Norway | A Norwegian-incorporated licensed bank and a foreign bank’s branch are different. The branch may use its home-country scheme with optional Norwegian top-up membership.Source 5Source 8 |
| Temporary high balance | Qualifying life-event deposits made within the specified 12-month period can receive additional protection. Evidence of the qualifying event is required; it is not a general exception for large trading balances.Source 10 |
| Deposit payout | The fund describes access to guaranteed money within seven working days following the relevant liquidation decision, by payment or transfer to another bank.Source 9 |
| Investment firms | The investor fund states a NOK 200,000 maximum per customer per case for eligible unreturned customer money or instruments. Check the member, qualifying failure and exclusions.Source 11 |
| Do not combine the limits | The bank-deposit and investment-firm figures are not a combined guarantee of portfolio performance. Identify the debtor, asset type and scheme before applying a limit.Source 5Source 8 |
The investor fund covers a member’s financial inability to return money or financial instruments held, administered or managed for clients in connection with authorised investment services. Its trigger includes specified insolvency proceedings; it is not an automatic payment whenever a customer is dissatisfied with an investment.[11]
Entities & regulation06
Investor-fund exclusions and filing
| Topic | Published position and meaning |
|---|---|
| Excluded loss | Market-price declines, deficient advice or portfolio-management information, and losses on instruments issued by the failed firm itself are outside the described cover.Source 11 |
| Eligible claimant | Individuals and legal persons can qualify, subject to exclusions including financial institutions, investment firms, funds and pension funds.Source 11 |
| Claim period | Normally submit a written claim within five months of the fund’s published bankruptcy announcement. Read the particular announcement and exceptions.Source 11 |
Official contacts and resources
Sections ↑Reference table07
Use the receiving body’s own process
| Question | Official position and practical route |
|---|---|
| Complaints-board telephone | +47 23 13 19 60. This is the independent complaints board’s number, not Finanstilsynet’s switchboard.Source 4 |
| Complaints-board post | Finansklagenemnda, P.O. Box 53, Skøyen, N-0212 Oslo. Check the current submission instructions before posting.Source 4Source 7 |
| Guarantee-payment destination | The fund may ask for an account in the depositor’s own name through its identification process; alternative arrangements are available for people without BankID.Source 9 |
| Deadlines and legal route | Use the deadline in the provider’s decision and the relevant body’s current rules. This reference does not replace advice on an individual claim or court limitation period.Source 4Source 7 |
Use the investor fund’s own website for membership, failure announcements and claims contacts. It currently publishes [email protected] for claim enquiries. This is a separate recipient from the deposit-guarantee fund and Finansklagenemnda.[12]
Use the authority’s official website for current official routes. Purpose-specific resources have not yet been established in this profile.
Sources & further reading
- Consumer protection and supervisory role Finanstilsynet · Accessed 13 Oct 2026
- Finanstilsynet’s registry Finanstilsynet · Accessed 13 Oct 2026
- Market warnings and investment scams Finanstilsynet · Accessed 13 Oct 2026
- Complaints processing and complaints bodies Finanstilsynet · Accessed 13 Oct 2026
- Guarantee schemes Finanstilsynet · Accessed 13 Oct 2026
- Financial Services Complaints Board Finansklagenemnda · Accessed 13 Oct 2026
- Bank and finance complaint guide Finansklagenemnda · Accessed 13 Oct 2026
- How much is covered? Norwegian Banks’ Guarantee Fund · Accessed 13 Oct 2026
- How the guaranteed amount is reimbursed Norwegian Banks’ Guarantee Fund · Accessed 13 Oct 2026
- Deposits above NOK 2 million Norwegian Banks’ Guarantee Fund · Accessed 13 Oct 2026
- Verdipapirforetakenes sikringsfond: coverage and exclusions Verdipapirforetakenes sikringsfond · Accessed 15 Oct 2026
- Investor fund: member and claim resources Verdipapirforetakenes sikringsfond · Accessed 15 Oct 2026
A documented resource is not a finding of eligibility or compensation coverage. Consult the named body and current official terms for your firm, product and circumstances.
Report an error or submit an update
Covered broker profiles
Profiles connected to this authority in our coverage. This is not a complete official register or a list of approved brokers; see each entity’s dated status.
Stockbroker
DNB Carnegie — Norway online share trading
DNB Bank ASA’s Norwegian online brokerage offers ordinary trading and share savings accounts, activity-based commission classes and separately approved financing. This profile distinguishes international cash conversion, pre-market access, market-data subscriptions and custody charges from the base trading commission.
- Operating status
- Active
- Sources checked
- 13 Oct 2026