DnB NOR

DnB NOR ASA is Norway's largest financial services group with total combined assets of more than NOK 2.0 trillion. The Group includes brands such as DnB NOR, Vital, Nordlandsbanken, Cresco, Postbanken, DnB NORD and Carlson. The bank's head office is located in Oslo.
The two largest owners of DnB NOR are the Norwegian Ministry of Trade and Industry (34.0%) and Sparebankstiftelsen DnB NOR (10.0%). The latter was created as a foundation with the sole purpose of owning part of the company.
The DnB NOR Bank Group is the largest enitity in the DnB NOR Group and Norway's largest bank, offering services to the corporate, retail and securities markets and the public sector. The group's activities are primarily focused on Norway; however, it is one of the world's foremost shipping banks and a major international player in the energy sector. It has an international network of 27 branches and representative offices, including Helsinki, Copenhagen, Hamburg, Luxembourg, London, New York, Houston, Shanghai and Singapore. The company also has multiple offices in Sweden. The Bank also operates on the Cayman Islands to increase its profit.
The history of the group goes back to 1822 with the establishment of Christiania Sparebank. The present corporation consists of mergers between Christiania Sparebank (1822), Gjensidige (1847), Bergens Privatbank (1855), Den norske Creditbank (1857), Fellesbanken (1920), Bergens Kreditbank (1928), Postbanken, Vital and Nordlandsbanken. The current name stems from 2003, when the two banks Den norske Bank (DnB) and Gjensidige NOR merged in 2003.

About the worst banking experience I have had in my life.
Not because of the people, which are really nice. But the inflexibility and the fees of this bank are outright ridiculous.
Now I could manage to accept that, while you do not have the magic Norwegian personal number, you are not to be trusted with a VISA card, or telephone and Internet banking.
So I got a regular bank account. Something you would want to use to receive, withdraw and transfer money. Receiving is surprisingly easy and free.
To send money, I have to take one hour off at work to reach it. In my case, that alone a loss of about 250 NOK. That is despite the fact that the bank is within walking distance, because the bank does not have forms or teller machines for transferring money out of office hours or without queueing. You have to wait in a queue, which makes up most of that hour. Finally, upon having brought forward your request, you are subject to the service charge of 75 NOK for hassling someone at the counter with your meek requests.
That is (for those Europeans out there) a fixed cost of 42 EUR for what is maybe the most basic financial transaction. For something that, even without phone or internet banking, I can get for free, no delays, 24/7, in my European bank.