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If you have any complaints or disputes over any transaction, please read a guide to dispute resolution with pss trust and contact our member relations officer to file a case for the fastest result.

Frequently Asked Questions

How can I open an account in Private Scandinavian Sparkasse Investment Bank?

In order to open the account, please go to: Your form will immediately be sent for review by an account officer. To expedite the processing of your application, we recommend you send a good quality scanned copy of your passport or ID document by email. You will be notified of your account number and you may use the account the same day we receive the scanned copy of your picture ID by email. Following that, we allow up to 21 days for the hard copies of your documents to arrive. To minimize transfer costs, the account opening fee will be deducted from the first deposit you make to your account. As soon as we receive the account opening fee we will send you two copies of the Account Operation Agreement. You should sign both copies, return one by regular mail or courier, and keep the other for your record. Before you open your account, please review our banking fees and other investment options on cards that we can offer.

Can anybody have information on my account?

Private Scandinavian Sparkasse Investment Bank accounts are extremely private due to our Culture of Confidentiality. Our staff only has access to the information that is absolutely necessary to process a particular transaction. All the banks we work with are bound by strict privacy and banking secrecy laws. Our staff members are prohibited from divulging or revealing account holder information to anyone without express written consent from the account holder. In many cases, violation of these privacy laws can mean large fines and prison terms for the violating employee.

What are Term Deposits?

Term deposits are deposits held at a financial institution that have a fixed term. These are generally short-term with maturities ranging anywhere from a month to a few years. When a term deposit is purchased, the lender (the customer) understands that the money can only be withdrawn after the term has ended or by giving a predetermined number of days notice.

Who should invest in Term Deposits?

Term deposits are an extremely safe investment and are, therefore, very appealing to conservative, low-risk investors.

What is an Interest Rate?

Interest rate is a monthly effective rate paid (or received, if you are a creditor) on borrowed money, which is expressed as a percentage of the sum borrowed.

What is a Fixed Interest Rate?

Fixed interest rate is a loan or mortgage with an interest rate that will remain at a predetermined rate for the entire term of the loan.

What is a Variable Interest Rate?

Variable interest rate is an interest rate that moves up and down based on the changes of an underlying interest rate index.

What is a Floating Interest Rate?

Floating Interest Rate is an interest rate that is allowed to move up and down with the rest of the market or along with an index. This contrasts with a fixed interest rate, in which the interest rate of a debt obligation stays constant for the duration of the agreement.

A floating interest rate can also be referred to as a variable interest rate because it can vary over the duration of the debt obligation.

What are CODs?

COD stands for Certificate of Deposit. A COD is a time deposit similar to a savings account but having a specific, fixed term (often three months, six months, or one to five years) with either a fixed or a variable profit rate and the principal amount to be held to maturity.

Why should I Invest in PSS Investment Bank?

Investment in PSS is ideal if you want to invest your money for a fixed period, with the security of a known return. You can deposit for terms as short as 30 days and as long as 3 years based on your requirements.

What is a Maturity Date?

Maturity date is the date on which the principal amount of a note, draft, acceptance bond or other debt instrument becomes due and is repaid to the investor and interest payments stop. It is also the termination or due date on which an installment loan must be paid in full.

The maturity date tells you when to expect to get your principal back and how long to expect to receive interest payments.

What happens at Maturity?

At maturity you can:
Automatically re-invest your funds for another term
Add extra funds ??Withdraw part or all of the funds

Can I withdraw all or part of the funds before maturity?

If something unexpected happens and you need to access your funds before the end of term, you can withdraw your funds but may incur penalty.

What is the minimum period for keeping the deposit?

If the duration of deposit chosen is above 3 months itself, the deposit should be kept for a minimum of 3 months.

What are my other investment options with PSS Investment Bank?

Depending on your personal investment objectives, you may wish to consider one of our other investment products. We have a range of options to suit every investment need to help you achieve your goals.

Our investment advisors would be happy to discuss your options with you at your convenience. Please call +46.8.559.22.694 or email us at to arrange for an appointment.

Norway HQ


Biskop Gunnerus Gate 14, 0185 Oslo, Norway

Demark RO


Arne Jacobsens Alle 7, 2300 Copenhagen, Denmark

Sweden RO


Klarabergsgatan 29 111 21 Stockholm Sweden

German RO


Stadttor 1, 40219 Dusseldorf, Germany

Hong Kong RO


99 Queens Rd. Central, Hong Kong, Hong Kong

Singapore RO


80 Raffles Place, Uob Plaza 1, Singapore 048624