Spare provides a clear, goal-oriented platform to help you manage savings, investments, and pension funds with full visibility and flexible control. Whether you're saving gradually through everyday purchases or actively investing in mutual funds and equities, Spare brings your entire financial roadmap into focus—securely accessible with BankID from any Norwegian bank.
Centralized Financial Overview
- View all your savings and investment accounts across multiple banks in one dashboard
- Track balances and performance in real time, including mutual funds, equities, pensions, and regular savings accounts
- Stay informed about your total net worth and individual asset development with a simple, user-friendly interface
Flexible Goal-Based Saving
- Set personalized financial goals with specific amounts and target dates
- Choose how to contribute—set up monthly deposits or automate savings from daily card use or bill payments
- Monitor your progress with visual trackers and adjust savings strategies at any time
Mutual Fund Management and Advice
- Buy, sell, and switch between mutual funds with just a few taps
- Start automated savings agreements to invest over time and reduce market volatility
- Access a digital fund adviser for tailored recommendations based on your preferences and risk level
- Expand your knowledge with in-app resources on how mutual funds work and how to build a portfolio
Stock Market Trading on Global Exchanges
- Follow the market value of your equities in real time
- Trade directly on Oslo Børs and up to 15 international stock exchanges
- Maintain full control of your trading activity with instant updates and transaction history
- Act as your own broker while managing your positions and exposure
Retirement and Pension Tracking
- View your accumulated pension savings and future projections
- Understand how much pension you’re expected to receive based on current contributions
- Adjust how your employer contributions are invested for better alignment with your retirement goals
- Gain deeper insight into Norway’s pension system through interactive breakdowns and reports
Share Savings Account (ASK) Transparency
- Keep tabs on all activity within your ASK account
- Monitor growth, dividends, and tax advantages associated with share savings
- Learn how the account functions and make informed decisions on long-term equity investments
Customized Financial Newsfeed
- Stay up to date with investment and savings news curated to your interests
- Choose topics that matter to you: markets, funds, personal finance tips, economic trends, and more
- Access informative articles, videos, and insights to support smarter decision-making
Frequently Asked Questions
Q: Can I use BankID from any bank to access Spare?
Yes, the app supports BankID login from all Norwegian banks.
Q: Is it possible to automate savings with every card use?
Yes, you can set Spare to save small amounts whenever you use your debit or credit card.
Q: Can I trade international equities through this platform?
Yes, you can trade stocks on Oslo Børs and 15 additional international exchanges.
Q: Will I be able to track all my pension savings?
Yes, you can view and monitor pension contributions and estimated retirement payouts.
Q: Does the app offer advice on mutual fund selection?
Yes, a digital fund adviser provides fund suggestions based on your profile.
Q: Can I manage share savings (ASK) within the app?
Yes, the share savings account and its developments are fully tracked and explained.
Q: Are there educational resources included?
Yes, the app offers learning tools and news to help users improve their financial literacy.
Q: Is Spare suitable for beginners with little investment experience?
Yes, the app simplifies complex topics and offers support tools for new investors.
Version History
v2025.06.0 —— 7 Feb 2025
General improvements—tweaks and bug fixes to ensure a smoother, more reliable user experience.
v2025.01.0 —— 14 Jan 2025
Same updates as v2025.06.0—continued refinements for app performance and stability.
v2024.10.6 —— 16 Dec 2024
Same updates as above—ongoing maintenance to enhance usability and responsiveness.
