# Lagu xulejiyey? Sidaas ayaad soo celisaa lacagta bankaaga

Ma lagu xulejiyeysay? Labsiga aan ogaadhsanayn waxaa bankaagu waa inuu qabsadaa dhaawacnimada kaas oo ka dabeeya qardhaada labada galbeed. Halkan waa sidaas aad u soo celisaa lacagta, waxaad ogaysii ku jirtid waqti ku filan, iyo aad ka cuni kartaa karo si bilaash ah.

Canonical: https://samfunnprep.no/so/articles/svindel-penger-tilbake-banken-norge
Language: so
Publisher: SamfunnPrep
Author: Hlib Suslov
Published: 2026-07-21T23:14:27.335+00:00
Modified: 2026-10-31T09:30:37.527168+00:00
AI use policy: https://samfunnprep.no/ai-policy.txt

## Key takeaways

- Bankaagu qabsadaa dhaawacnimada labsiga aan ogaadhsanayn Kaarka ama BankID-kaaga hadii ay isticmaasho mid kale, bankaagu qabsadaa dhaawacnimada kaas oo ka dabeeya qardhaada 450 kr – ilaa 12 000 kr grov awood-la'aanta (bilcaan 2026).
- Soo celinta lacagta bilcaan maalinta shaqo ee xiga Haddii aad naqsadatid labsiga, bankaagu waa inuu u celiyo markaa iyo bilcaan maalinta shaqo ee xiga. Haddii uu rabay inaad ahaatid mas'uul ku yar qardhaada, waa inuu geynta ama caas nemnda aalbaabka 4 bilood.
- Adika aad ogolaatay? Markaa adiga ayaa qabsata dhaawacnimada Invest-xulejinta iyo jacaylbixinta-xulejinta taas aad qadatay ogalawe, qaideendda wacan ayaa ah in adiga ahaatid qabsata dhaawacnimada. Caas si bilaash ah Finansklagenemnda bankaagu yidhi maya.

Ma lagu xulejiyeysay oo lacagta bankaaga soo celinaysid? Labsiga aan ogaadhsanayn – taas oo ay cid kale isticmaashay kaarkaaga ama BankID-kaaga – qaideendda wacan ayaa ah in bankaagu qabsado dhaawacnimada kaas oo ka dabeeya qardhaada yar yar. Waxaad soo celisaa lacagta halkan iyo maalmaha shaqo ee xiga.

## Lagu xulejiyey? Sharciga waxaa kaa siiyay xuquuq soo celinta lacagta bankaaga

Labsi **aan ogaadhsanayn** waa labsi aan aad siinin oggolaanshahan ammaan ama. Markaa waa cad: bankaagu qabsadaa dhaawacnimada, maaha adiga. Waxaan tus ku jira **sharciga labsiga** (LOV-2020-12-18-146, uu socon doono 1. Januari 2023) § 4-30.

Sharciga waxaa u qaybinayaa khatarta laba sida saddex. **Qardhaada labada galbeed** – taas aad qabsashid – waxa ay ku xidhan tahay sidee aad awood la'tahay (bilcaanka 2026):

- **Awood la'aanta caadiga ah:** adiga waxaad qabsashid ilaa **450 kr**. Haddii aad sallaatihi mooyaane, waxaad qabsashi weydid wax.
- **Awood la'aanta weyn:** adiga waxaad qabsashid ilaa **12 000 kr** labsiga elektarooniga (kaarkaaga ama BankID). Bankaagu qabsadaa qalafsan.
- **Deeqan** (waxaad garteen inaad xilkii shatid): waxaad mici kartaa **dhamaadka lacagta**.

Maqaalo badan oo duwan ayaa qoray 1 200 kr. Taas waa khalad maanta – xududa waa la yar yareeyey 450 kr bilcaan 1. Januari 2023. Haddii aad garan lahayd sidee aabuur iyo sirta loo xuulay dadka looga, akhri [sidee BankID-xulejinta loola toogga](https://samfunnprep.no/so/articles/bankid-svindel-norge). SamfunnPrep waxaan kaadu kabtaa xuquuqa gaarka ah oo luqada fudud oo walaaca kale.

## Yaa qabsada dhaawacnimada?

Mool, waxa ay xirxiro dhaaf: mid kale ma isticmaashay qalab-labsiga kaaga, mise adiga waxaad ogolaatay labsiga? Jadwal waxa ay muujisaa qaideenda wacan (bilcaanka 2026).

| Xaaladda | Yaa qabsada dhaawacnimada | Xududa kaaga | Waqtiga ogeysiinta |
| --- | --- | --- | --- |
| Cid kale oo isticmashay kaarkaaga/BankID-kaaga (aan ogaadhsanayn) | Bankaagu | 0–450 kr | Iska dib-og, haddii kale 13 bilood |
| Aan ogaadhsanayn + awood la'aanta weyn | Adiga ilaa xududa, bankaagu qalafsan | Ilaa 12 000 kr | Iska dib-og, haddii kale 13 bilood |
| Aan ogaadhsanayn + deeqan | Adiga | Dhamaadka lacagta | Iska dib-og, haddii kale 13 bilood |
| Adika aad ogolaatay ka dib tilmaanta | Adiga (qaideendda wacan) | Dhamaadka lacagta | – |
| Kaarkaaga qof uma gaarsiin / bankaro | Bankaagu waa laala-mas'uul (§ 2-7) | Lacagta caruuriga | Iska dib-og taas wacan |

## Mid kale ma isticmaashay kaarka, mise adigaa ogolaatay?

Farqiga muhiimka ah waa in labsiga ay ahayd aan ogaadhsanayn, mise adiga ayaad qadatay « Ogolow ». Halkan waxa ay lagu gooyaan akhriyada badan.

Haddii kaarka ama BankID-kaaga ay isticmaasho mid kale oo lagaanogaadhsanayn, bankaagu qabsadaa dhaawacnimada kaas oo ka dabeeya qardhaada labada galbeed. Adiga haddii aad ogolaatay labsiga ka dib tilmaanta – tipicle invest-xulejinta ama jacaylbixinta-xulejinta – qaideendda wacan ayaa ah adiga qabsatid dhaawacnimada.

Taas maaha farq yar. 384 milyan kr oo lagu xulejiyey ku labsiyey kontooyinka bilcaan ay ka jirtay 2025, waxaa **282 milyan (u dhow 73 %)** ay ahaayeen dhawr ay dadkii rasuulka ah isagoo tilmaantay labsi (Finanstilsynet, bilcaan 4. Maajo 2026). Iska [ogaada xulejinta maraarka hore](https://samfunnprep.no/so/articles/svindel-slik-gjenkjenner-du-norge) bilcaan ayaa ah babka ugu wanaagsan.

Waxaa jira mid exception muhiimka ah. Haddii aad loo tilmaantay inaad **baadinaysid** lacagta kaaga oo jab ah "kontooyinka ammaan," waxaa labsiga loo tirin karaa in aad lagaanogaadhsanayn – markaa bankaagu qabsadaa dhaawacnimada sidoo kale. Mid sida oo la tago Finansklagenemnda (FinKN 2024-309) gabar ayaa helitay dib u celinta u dhow 400 000 kr ka dib xulejinta "kontooyinka ammaan."

Hadda hadii ay la filayaan jidka – ayada maaha garannta.

## Bankaagu waa inuu u celi karaa deg deg – mana awoodi karo adiga sharci loo sameeyo

Haddii aad diidatid labsiga aan ogaadhsanayn, bankaagu waa inuu u celiyo lacagta **markaa ** iyo haddii kale bilcaan ku dhamaadka maalinta shaqo ee xiga (sharciga labsiga § 4-32). Waxaa loogu yeedha **tilbaaraanta celinta bankaagu**.

Bankaagu nafsaar ma awoodi karo iska dib taga qardhaada 450 kr. Haddii uu rabay inaad ahaatid mas'uul ku yar, waa inuu aalbaabka 4 bilood ** billaa celiyo lacagta, adiga sharci loo sameeyo ama arinta geynta Finansklagenemnda. Bankaagu hadii uu midna samayno, ayaa lumis xuquuqa lacagta kayda. Grov awood-la'aanta waa maaha hawsha bankaagu – waxaa loo diriro hay'adaha kale (Forbrukertilsynet, 2022).

## Waqtiga: ogeysi iska dib-og

Ogeysi bankaagu **iska dib-og** markaad gartay xulejinta – iyo haddii kale **13 bilood** ka dib lacagta ay lahayd (§ 4-24). Waqtiga aad horumariso, qaybta aad xoog ah tahay. Samee taas **qor**, si aad u hesho deeqan ay hayaan arinta.

## Taas waxaad samaysan tahay bilcaan duwan

Minutiste ka dib markaad gartay xulejinta waqti kasta ayaa muhiim. Halkan waa sidaas aad u socdatid:

1. **Wac bankaagu iyo qaashadaa kaarkaaga, kontooyinka iyo BankID-kaaga markaa.** Adeegsade nanbarka bankaagu oo 24-saacad ama app-ka. Nanbarka qashadda kasta ay **800 30 250** (+47 2221 4055 dibada).
2. **Jooji labsiga kale** ee noolaha ama netbankaaga (Kaarkaaga → Qaashid kaarkaaga).
3. **Naqsadi labsiga qor** bankaagu iska dib-og.
4. **Sharci-dib bankaagu polisiga** anmeldelse.politiet.no kuusan "Xulejinta sharci loo sameeyo." Anmeldelsena waa deeqan muhiimka ah labsiga bankaagu.
5. **Caas Finansklagenemnda** haddii bankaagu yidhi maya.

## Labsiga kaarka qabashadda? Markaa waxaa aad u leeyahay babka laba

Labsiga kaarka qabashadda ay **kaarkaaga qabashada**, bankaagu waa laala-mas'uul walaaca iyo meesha labsiga mid lama imanay, waa mooyad, ama meesha ay bankaro (sharciga labsiga § 2-7). Waxaa loogu yeedha qaashida kaarkaaga.

Waxaad caas waa inuu tahay meel iyo bankaagu markaa aad aragtid arinta. Kaarkaaga caadi ah oo Visa- ama Mastercard-**dibi kaarkaaga** waxaa jira inta badan isku axaad gadaal sharciga qabashadda (tipicle ilaa 120 maalmaa – qaideendda qabashadda kaarka, maaha sharci). Kaarkaaga BankAxept toosa ayaa laga badbaadin.

## Bankaagu yidhi maya – caas si bilaash ah Finansklagenemnda

Haddii bankaagu yidhi maya, waxaad caas si bilaash ah u tileysaa **Finansklagenemnda** (FinKN, hay'ad caas oo kale ah arinta labsiga). Badisamta waxaa qaatay wax ma gabyaaysa gaarka.

Waxaad caas waa inuu tahay **qor bankaagu dhamaan bilcaan** – FinKN waa ay badisamto dhamaan sakhan, iyo kaliya gaarka. Caasa ay dhex-dhexaadka skema ku dhex-gal finkn.no, maaha email-ka. Weedhaha maaha sharci oo kuul, laakiin bankaagu waa ay raaca way yar. Haddii bankaagu muu raaci weedhaha adiga guurinta, qabsatay kharashyada kaaga adiga soo gabagab domstolen. Bilcaan 2025 ay gaarka ayaa gurtay way yar ama midba-dhexdhex **27,3 %** sakhan ay weyn oo markaa geynta nemnd – iyo badan sakhan waa lagu xal arinta gaarka bilcaan bankaagu. Haddii aad nemnd u ogsatay, waxaad [arinta geynta bilcaan forliksrådet](https://samfunnprep.no/so/articles/forliksradet-og-smakrav-norge).

## Wax oo cusub bilcaan 2026

Tilmaanta-xulejinta waxaa ay tahay tallaabo ugu weyn, iyo sharciga waa ay socdaan u bedelka – laakiin hadda waa sharciga labsiga ay dhacday. Bilcaan 2025 oo dhan waa **962 milyan kr** lagu xulejiyey kontooyinka iyo kaarka Norwiga (Finanstilsynet, bilcaan 4. Maajo 2026).

Weedhaha cusub oo Hogaamiye-gacminta (HR-2026-1359-A, 17. Juun 2026) waxaa ay hayeen nin oo dhan mas'uul ah inuu qoday BankID-ka isaga. Laakiin wedhaha ay ku saabsan tahay axdiga 2018, ka dib sharciga hadda tiraaq. Sharciga **hadda** waxaa ku jira xududa 12 000 kr grov awood-la'aanta, sidaa daraba hadii aad ogaadhsanayn iska jajabe. EU ay diyaar garoona sharci cusub (PSD3/PSR) oo ay uruurinayaan babka markaa mid ay isaga u sheegay bankaagu, laakiin ay maaha sharci Norwiga hadna.

Moodo ay ay ahaan ay qurac ay ay ay ay ay samafuusan. SamfunnPrep waxaad awoodi kartaa inuu caleema bilaash iyo baadi hanta kaag ay ku ayti [qalabada/qararka](https://samfunnprep.no/so/verktoy). Waxaad ku garanta xuquuqa kaaga, adiga qasharadu tahay haddii dhaawacnimada.

## Sources

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- [Finansavtaleloven § 4-32 – Tjenesteyterens plikt til å tilbakeføre beløpet når kunden bestrider](https://lovdata.no/lov/2020-12-18-146/§4-32)
- [Finansavtaleloven § 4-24 – Kundens varslingsplikt ved feil og misbruk](https://lovdata.no/lov/2020-12-18-146/§4-24)
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Citation: Hlib Suslov, "Lagu xulejiyey? Sidaas ayaad soo celisaa lacagta bankaaga", SamfunnPrep, 2026-07-21T23:14:27.335+00:00, https://samfunnprep.no/so/articles/svindel-penger-tilbake-banken-norge