Updated December 2020
1. What is Astat App
These legal terms (Norwegian law applies) are between you (the limited company, sole trader and authorised users of the account) and Astat AS (Astat/us/we) and you agree to them by using the Astat app. Your Astat account is a Norwegian business current account and you mustn't use it for personal banking.
You should read this document along with our data privacy notice.
2. How to contact us
You can contact us through the Astat app.
Email us at firstname.lastname@example.org
Or send a letter to: Nedre vollgate 3, 0158 Oslo, Norge.
3. How we'll contact you
We'll contact you in Norwegian and/or English via the Astat app, or through your email, phone, business or home address. Please let us know if any of these change.
You're responsible for the actions of people authorised to use your account.
You must be authorised by your business and be a director or sole trader owner to set up a business account. If authorised by your business, you can add anyone to share the account with you. If you give them admin permissions they'll be able to do everything you can (including making payments, adding other users, who can add other users), although ultimately you're responsible for their actions. You can add and manage user permissions in the Astat App.
Any admin user can give us instructions on behalf of all users. We won't ask for you to give instructions jointly, unless it's to remove a user or close the account.
If we're aware there's a dispute between users we may ask for instructions to be given jointly, or reject the instruction. We may freeze the account while we investigate the dispute, and may request evidence to confirm the dispute has been resolved.
If you want to remove someone from the account, please contact us via the Astat app.
4. Making payments
You need enough money in your account to make payments. But some transactions that would take your balance below zero may still go through and take you into unarranged overdraft. If that happens, we'll let you know the amount you'll need to repay before the end of the day and you'll need to pay us back as soon as possible. You'll find information about unarranged overdraft fees on our fees and charges page.
Joint account holders will be individually as well as jointly liable. This means we can ask any of you to pay back money you owe us.
We may block your payments and/or prevent user access if:
If we block a payment, we'll let you know as soon as possible using one of our usual channels.
5. Payment Information
You can find information on all your transactions in your feed and your regular bank statements in the app. This table explains when we'll make payments
6. Fees and charges
You'll find information about your account fees on our fees and charges page. All accounts have a monthly fee. We charge a monthly account fee, starting the day you open the account. You need to pay the fee when it's due and if you don't have enough money in the account we'll retry each day. The subscription fee is non-refundable.
You may have to pay other costs, taxes or charges in relation to your Astat account, which are outside of our control and not charged by us. For example, other banks may charge you for sending money to your Astat account.
7. You agree to us using your information
By accepting these terms, you agree to us using your information to make and receive payments on your account. If you're no longer happy for us to use your information, we'll have to close your account. But we may keep personal data about you, your directors, your users and other relevant third parties and use it where we have lawful grounds to do so. For example, any records we need to keep for regulatory reasons (see our Privacy Notice).
8. If something goes wrong
Please keep your phone, card and PIN safe at all times. If we discover any security issues affecting your account, we'll contact you as soon as possible using one of our usual channels.
If you lose your card or see transactions in the app that look wrong, freeze your card and tell us as soon as possible (and no later than within 12 months from the date the money was taken from your account, otherwise you might not be able to get your money back).
We'll usually refund you any money if:
We'll also refund any money you lost due to our mistakes or inaccuracies with your payments. We can help by speaking to other banks to make sure they treat any payment we send late as if it was sent on time.
But you won't be able to claim back money you've lost if you or people you authorised:
If someone pays money into your account by mistake you give us permission to return it.
If you've used your card to make a payment which didn't specify the exact amount (for example when hiring a car), and the final amount is higher than you could reasonably have expected, we'll give you a refund. You'll need to tell us within 2 months of the transaction, and give us any information we reasonably ask for to investigate.
9. Closing your account
Once this agreement has started it won't end until you or we end it. You can cancel your account within the first 30 days of opening it, or close it at any other time. If you'd like to, please get in touch with us. We will ask for joint instruction from all authorised users to close the account. You'll need to repay any money you owe us before we can close your account. Once we've closed it, your card won't work and you won't be able to access your account.
We can close your account by giving you at least two months' notice.
We may close your account or stop you using your card and app immediately if we believe you or any authorised user has:
10. What happens if someone dies
Where there are multiple account holders and one of you dies, the account won't be considered as part of the deceased person's estate and the surviving account holders can continue to use the account.
11. How to make a complaint
If you have a complaint, please contact us and we'll do our best to fix the problem.
If you're still not happy, and are an eligible small business, you can refer your complaint to the Forbrukerrådet. For more details, or to check your eligibility, you can visit their website at https://www.forbrukerradet.no.
12. Making changes to this agreement
This agreement will always be available in the app and on our website.
If we make changes to it that are clearly in your favour, we'll tell you once we've made them. Otherwise we'll give you two months' notice.
If you don't agree to these changes, you can let us know and we'll close your account. We'll transfer any money in the account to another account of yours, and you'll need to pay back any money you owe us.
Astat AS registered in Norway. Registered No. 925 895 431. Registered Office: Nedre Vollgate 3, 0158 Oslo, Norge.
Updated December 2020
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