{"id":2046,"date":"2025-03-20T11:42:01","date_gmt":"2025-03-20T11:42:01","guid":{"rendered":"https:\/\/arev.is\/?page_id=2046"},"modified":"2026-10-14T11:48:44","modified_gmt":"2026-10-14T11:48:44","slug":"client-categorisation","status":"publish","type":"page","link":"https:\/\/arev.is\/en\/flokkun-vidskiptavina\/","title":{"rendered":"Client Categorisation"},"content":{"rendered":"\n
<\/div><\/span>
\n
<\/div>\n\n\n\n

Flokkun vi\u00f0skiptavina<\/h1>\n<\/div><\/div>\n\n\n\n
\n
<\/div>\n\n\n\n

Reglur Arev ver\u00f0br\u00e9fafyrirt\u00e6kis hf. um flokkun vi\u00f0skiptavina<\/p>\n\n\n\n

ALMENNT<\/h2>\n\n\n\n

Reglur \u00feessar eru settar \u00ed samr\u00e6mi vi\u00f0 51. gr. laga nr. 115\/2021 um marka\u00f0i fyrir fj\u00e1rm\u00e1lagerninga. \u00dear kemur fram a\u00f0 ver\u00f0br\u00e9fafyrirt\u00e6ki skuli setja s\u00e9r verklagsreglur um flokkun vi\u00f0skiptavina. Vi\u00f0skiptavinir geta falli\u00f0 \u00ed \u00ferj\u00e1 mismunandi flokka; almennur fj\u00e1rfestir, fagfj\u00e1rfestir og vi\u00f0urkenndur gagna\u00f0ili.<\/p>\n\n\n\n

Flokkun vi\u00f0skiptavina er mikilv\u00e6g af \u00feeim s\u00f6kum a\u00f0 s\u00fa vernd sem skylt er a\u00f0 veita vi\u00f0skiptavinum samkv\u00e6mt l\u00f6gum um ver\u00f0br\u00e9favi\u00f0skipti er mismunandi eftir \u00fev\u00ed hvort vi\u00f0skiptavinirnir eru almennir fj\u00e1rfestar, fagfj\u00e1rfestar e\u00f0a vi\u00f0urkenndir gagna\u00f0ilar.<\/p>\n\n\n\n

EINSTAKIR FLOKKAR<\/h2>\n\n\n\n

2.1       Almennt<\/p>\n\n\n\n

Skilgreiningu \u00e1 einst\u00f6kum flokkum er a\u00f0 finna \u00ed 45. gr. regluger\u00f0ar (ESB) 2017\/565,  n\u00e1nar tilteki\u00f0:<\/p>\n\n\n\n

1.         Vi\u00f0urkenndir gagna\u00f0ilar sbr.  2. mgr. 30. gr. tilskipunar 2014\/65\/ESB<\/p>\n\n\n\n

2.         Fagfj\u00e1rfestar sbr. I. \u00fe\u00e1tt II. Vi\u00f0auka vi\u00f0 tilskipun 2014\/65\/ESB<\/p>\n\n\n\n

3.         Almennir fj\u00e1rfestar sbr. 24. gr. tilskipunar 2014\/65\/ESB<\/p>\n\n\n\n

Sami vi\u00f0skiptavinur getur veri\u00f0 flokka\u00f0ur \u00ed tvo mismunandi flokka. Sem d\u00e6mi m\u00e1 nefna a\u00f0 \u00e1kve\u00f0inn vi\u00f0skiptavinur getur veri\u00f0 flokka\u00f0ur sem fagfj\u00e1rfestir \u00feegar kemur a\u00f0 vi\u00f0skiptum me\u00f0 skuldabr\u00e9f og skr\u00e1\u00f0 br\u00e9f en \u00ed  vi\u00f0skiptum me\u00f0 \u00f3skr\u00e1\u00f0 br\u00e9f getur hann veri\u00f0 flokka\u00f0ur sem almennur fj\u00e1rfestir svo a\u00f0 d\u00e6mi s\u00e9 teki\u00f0.<\/p>\n\n\n\n

2.2       Vi\u00f0urkenndir gagna\u00f0ilar<\/p>\n\n\n\n

Vi\u00f0urkenndir gagna\u00f0ilar samkv\u00e6mt l\u00f6gum um ver\u00f0br\u00e9favi\u00f0skipti eru \u00feeir a\u00f0ilar sem falla undir a, b e\u00f0a c li\u00f0i skilgreiningarinnar \u00e1 fagfj\u00e1rfestum \u00ed 14. tl. 1. mgr. 4. gr. laga 115\/2021 um marka\u00f0i fyrir fj\u00e1rm\u00e1lagerninga. \u00cd \u00fev\u00ed felst a\u00f0 eftirfarandi a\u00f0ilar eru vi\u00f0urkenndir gagna\u00f0ilar \u00ed skilningi laganna:<\/p>\n\n\n\n

a.     A\u00f0ilar, h\u00e9r \u00e1 landi e\u00f0a erlendis, sem hafa starfsleyfi e\u00f0a sinna l\u00f6gbundinni starfsemi \u00e1 fj\u00e1rm\u00e1lam\u00f6rku\u00f0um, \u00fe.m.t. l\u00e1nastofnanir, ver\u00f0br\u00e9fafyrirt\u00e6ki, fj\u00e1rm\u00e1lastofnanir, v\u00e1tryggingaf\u00e9l\u00f6g, sj\u00f3\u00f0ir um sameiginlega fj\u00e1rfestingu og rekstrarf\u00e9l\u00f6g \u00feeirra, l\u00edfeyrissj\u00f3\u00f0ir og rekstrarf\u00e9l\u00f6g \u00feeirra eftir \u00fev\u00ed sem vi\u00f0 \u00e1, seljendur hr\u00e1v\u00f6ru og hr\u00e1v\u00f6ruaflei\u00f0na, sta\u00f0bundnir a\u00f0ilar og a\u00f0rir stofnanafj\u00e1rfestar.<\/p>\n\n\n\n

b.     St\u00f3r fyrirt\u00e6ki sem uppfylla a.m.k. tv\u00f6 eftirfarandi skilyr\u00f0a hva\u00f0 var\u00f0ar fj\u00e1rh\u00e6\u00f0ir, sem mi\u00f0a skal vi\u00f0 opinbert vi\u00f0mi\u00f0unargengi eins og \u00fea\u00f0 er skr\u00e1\u00f0 hverju sinni:
    1. Heildartala efnahagsreiknings er jafnvir\u00f0i 20 millj. evra \u00ed \u00edsl. kr\u00f3num e\u00f0a         h\u00e6rri.
    2. Hrein \u00e1rsvelta er jafnvir\u00f0i 40 millj. evra \u00ed \u00edslenskum kr\u00f3num e\u00f0a meiri.
    3. Eigi\u00f0 f\u00e9 er jafnvir\u00f0i 2 millj. evra \u00ed \u00edslenskum kr\u00f3num e\u00f0a meira.<\/p>\n\n\n\n

c.     R\u00edkisstj\u00f3rnir, h\u00e9ra\u00f0sstj\u00f3rnir, se\u00f0labankar og al\u00fej\u00f3\u00f0astofnanir, svo sem Al\u00fej\u00f3\u00f0agjaldeyrissj\u00f3\u00f0urinn, Se\u00f0labanki Evr\u00f3pu, Fj\u00e1rfestingarbanki Evr\u00f3pu og a\u00f0rar samb\u00e6rilegar al\u00fej\u00f3\u00f0astofnanir.<\/p>\n\n\n\n

2.3       Fagfj\u00e1rfestar<\/p>\n\n\n\n

\u00cd l\u00f6gum um 115\/2021 um marka\u00f0i fyrir fj\u00e1rm\u00e1lagerninga eru fagfj\u00e1rfestar skilgreindir sem:<\/p>\n\n\n\n

Vi\u00f0skiptavinur sem b\u00fdr yfir reynslu, \u00feekkingu og s\u00e9rfr\u00e6\u00f0ikunn\u00e1ttu til a\u00f0 taka sj\u00e1lfur \u00e1kvar\u00f0anir um fj\u00e1rfestingar og meta \u00e1h\u00e6ttuna sem \u00feeim fylgir. Eftirfarandi a\u00f0ilar teljast fagfj\u00e1rfestar:<\/p>\n\n\n\n

a. A\u00f0ilar, h\u00e9r \u00e1 landi e\u00f0a erlendis, sem hafa starfsleyfi e\u00f0a sinna l\u00f6gbundinni starfsemi \u00e1                                               fj\u00e1rm\u00e1lam\u00f6rku\u00f0um, \u00fe.m.t. l\u00e1nastofnanir, ver\u00f0br\u00e9fafyrirt\u00e6ki, fj\u00e1rm\u00e1lastofnanir, v\u00e1tryggingaf\u00e9l\u00f6g, sj\u00f3\u00f0ir um sameiginlega fj\u00e1rfestingu og rekstrarf\u00e9l\u00f6g \u00feeirra, l\u00edfeyrissj\u00f3\u00f0ir og rekstrarf\u00e9l\u00f6g \u00feeirra eftir \u00fev\u00ed sem vi\u00f0 \u00e1, seljendur hr\u00e1v\u00f6ru og hr\u00e1v\u00f6ruaflei\u00f0na, sta\u00f0bundnir a\u00f0ilar og a\u00f0rir stofnanafj\u00e1rfestar.<\/p>\n\n\n\n

 b. St\u00f3r fyrirt\u00e6ki sem uppfylla a.m.k. tv\u00f6 eftirfarandi skilyr\u00f0a hva\u00f0 var\u00f0ar fj\u00e1rh\u00e6\u00f0ir, sem mi\u00f0a skal vi\u00f0 opinbert vi\u00f0mi\u00f0unargengi eins og \u00fea\u00f0 er skr\u00e1\u00f0 hverju sinni:
    1. Heildartala efnahagsreiknings er jafnvir\u00f0i 20 millj. evra \u00ed \u00edsl. kr\u00f3num e\u00f0a  h\u00e6rri.
    2. Hrein \u00e1rsvelta er jafnvir\u00f0i 40 millj. evra \u00ed \u00edslenskum kr\u00f3num e\u00f0a meiri.
    3. Eigi\u00f0 f\u00e9 er jafnvir\u00f0i 2 millj. evra \u00ed \u00edslenskum kr\u00f3num e\u00f0a meira.<\/p>\n\n\n\n

 c. R\u00edkisstj\u00f3rnir, h\u00e9ra\u00f0sstj\u00f3rnir, se\u00f0labankar og al\u00fej\u00f3\u00f0astofnanir, svo sem Al\u00fej\u00f3\u00f0agjaldeyrissj\u00f3\u00f0urinn, Se\u00f0labanki Evr\u00f3pu, Fj\u00e1rfestingarbanki Evr\u00f3pu og a\u00f0rar samb\u00e6rilegar al\u00fej\u00f3\u00f0astofnanir.<\/p>\n\n\n\n

d. A\u00f0rir stofnanafj\u00e1rfestar sem hafa \u00fea\u00f0 a\u00f0 a\u00f0alstarfi a\u00f0 fj\u00e1rfesta \u00ed fj\u00e1rm\u00e1lagerningum, \u00fe.m.t. a\u00f0ilar sem f\u00e1st vi\u00f0 ver\u00f0br\u00e9fun eigna e\u00f0a \u00f6nnur fj\u00e1rm\u00f6gnunarvi\u00f0skipti. <\/p>\n\n\n\n

e. A\u00f0ilar sem sam\u00feykktir hafa veri\u00f0 sem fagfj\u00e1rfestar skv. 54. gr.<\/p>\n\n\n\n

Vakin er s\u00e9rst\u00f6k athygli \u00e1 \u00fev\u00ed a\u00f0 mat vi\u00f0 flokkun fagfj\u00e1rfesta eftir bei\u00f0ni er samkv\u00e6mt ofangreindu tv\u00ed\u00fe\u00e6tt, \u00fea\u00f0 er fyrst \u00fearf a\u00f0 fara fram sj\u00e1lfst\u00e6tt mat \u00e1 \u00fev\u00ed hvort a\u00f0 s\u00e9rfr\u00e6\u00f0ikunn\u00e1tta reynsla og \u00feekking s\u00e9 n\u00e6gjanleg og a\u00f0 \u00fev\u00ed loknu \u00fearf a\u00f0 meta hvort a\u00f0 vi\u00f0skiptavinurinn uppfylli a.m.k. tv\u00f6 \u00feeirra skilyr\u00f0a sem talin eru upp a\u00f0 ofan.<\/p>\n\n\n\n

A\u00f0ilar sem ekki teljast fagfj\u00e1rfestar geta \u00f3ska\u00f0 eftir \u00fev\u00ed a\u00f0 vera fagfj\u00e1rfestar og fer \u00fe\u00e1 fram mat Arev.<\/p>\n\n\n\n

Fagfj\u00e1rfestar \u00feurfa ekki a\u00f0 sam\u00feykkja flokkun s\u00edna, \u00feeir \u00feurfa eing\u00f6ngu a\u00f0 sam\u00feykkja reglur um bestu framkv\u00e6md.<\/p>\n\n\n\n

2.4       Almennir fj\u00e1rfestar<\/p>\n\n\n\n

Almennir fj\u00e1rfestar eru \u00feeir sem ekki teljast fagfj\u00e1rfestar n\u00e9 vi\u00f0urkenndir gagna\u00f0ilar (hvort sem \u00feeir fagfj\u00e1rfestar teljast einnig vi\u00f0urkenndir gagna\u00f0ilar e\u00f0a ekki).<\/p>\n\n\n\n

Fyrir utan \u00fea\u00f0 sem a\u00f0 ofan er tali\u00f0 er vakin athygli \u00e1 \u00fev\u00ed a\u00f0 Arev ber skylda til a\u00f0 gera skriflegan samning vi\u00f0 alla \u00fe\u00e1 almennu fj\u00e1rfesta sem \u00feiggja \u00fej\u00f3nustu \u00e1 svi\u00f0i ver\u00f0br\u00e9favi\u00f0skipta hj\u00e1 f\u00e9laginu. \u00deetta \u00e1 \u00fe\u00f3 ekki vi\u00f0 um \u00fe\u00e1 sem eing\u00f6ngu \u00feiggja fj\u00e1rfestingar\u00e1\u00f0gj\u00f6f. \u00cd samningnum skal kve\u00f0i\u00f0 \u00e1 um r\u00e9ttindi og skyldur samningsa\u00f0ila. Ekki skiptir m\u00e1li hvort um er a\u00f0 r\u00e6\u00f0a vi\u00f0varandi vi\u00f0skiptasamband e\u00f0a einst\u00f6k vi\u00f0skipti.<\/p>\n\n\n\n

R\u00c9TTAR\u00c1HRIF FLOKKUNAR<\/h2>\n\n\n\n

Ni\u00f0ursta\u00f0a flokkunar hefur talsver\u00f0 \u00e1hrif \u00e1 samskipti og skyldur Arev ver\u00f0br\u00e9fafyrirt\u00e6kis gagnvart vi\u00f0skiptavinum og ver\u00f0a \u00e1hrif flokkunarinnar \u00fatlistu\u00f0 h\u00e9r a\u00f0 ne\u00f0an.<\/p>\n\n\n\n

3.1       Vi\u00f0urkenndur gagna\u00f0ili<\/p>\n\n\n\n

Flokkun vi\u00f0skiptavinar sem vi\u00f0urkennds gagna\u00f0ila hefur \u00ed f\u00f6r me\u00f0 s\u00e9r a\u00f0 [\u2022] er heimilt skv. 22. gr. laganna a\u00f0 eiga vi\u00f0skipti vi\u00f0 \u00feann vi\u00f0skiptavin \u00e1n \u00feess a\u00f0 fulln\u00e6gja \u00feeim verndarskilyr\u00f0um sem m\u00e6lt er fyrir um \u00ed 9., 14., 15., 16. og 18. gr. og 1. mgr. 19. gr. laganna. \u00cd \u00fev\u00ed felst eftirfarandi:<\/p>\n\n\n\n

a.         Arev er ekki skylt a\u00f0 gera skriflegan samning vi\u00f0 vi\u00f0urkennda gagna\u00f0ila \u00fear sem kve\u00f0i\u00f0 er \u00e1 um r\u00e9ttindi og skyldur a\u00f0ila \u00ed tilefni af \u00fev\u00ed a\u00f0 Arev tekur a\u00f0 s\u00e9r \u00fej\u00f3nustu fyrir gagna\u00f0ilann \u00e1 svi\u00f0i ver\u00f0br\u00e9favi\u00f0skipta.<\/p>\n\n\n\n

b.         Arev er ekki skylt a\u00f0 veita vi\u00f0urkenndum gagna\u00f0ilum sem f\u00e9lagi\u00f0 b\u00fd\u00f0ur \u00fej\u00f3nustu s\u00edna uppl\u00fdsingar um f\u00e9lagi\u00f0, fj\u00e1rfestingarkosti e\u00f0a \u00e1h\u00e6ttu. \u00de\u00e1 er f\u00e9laginu ekki skylt a\u00f0 veita uppl\u00fdsingar um \u00fe\u00f3knun f\u00e9lagsins e\u00f0a breytingar \u00e1 \u00fe\u00f3knun. A\u00f0 sama skapi er f\u00e9laginu ekki skylt a\u00f0 veita vi\u00f0urkenndum gagna\u00f0ila uppl\u00fdsingar um r\u00e9ttar\u00farr\u00e6\u00f0i ef upp kemur \u00e1greiningur.<\/p>\n\n\n\n

c.         \u00c1\u00f0ur en Arev veitir vi\u00f0urkenndum gagna\u00f0ila fj\u00e1rfestingar\u00e1\u00f0gj\u00f6f e\u00f0a sinnir eignast\u00fdringu er f\u00e9laginu hvorki skylt a\u00f0 afla s\u00e9r uppl\u00fdsinga um \u00feekkingu e\u00f0a reynslu vi\u00f0komandi, n\u00e9 fj\u00e1rhagsst\u00f6\u00f0u hans e\u00f0a markmi\u00f0a me\u00f0 fyrirhuga\u00f0ri fj\u00e1rfestingu. \u00dea\u00f0 sama \u00e1 vi\u00f0 \u00fe\u00f3 um a\u00f0ra \u00fej\u00f3nustu en fj\u00e1rfestingar\u00e1\u00f0gj\u00f6f e\u00f0a eignast\u00fdringu s\u00e9 a\u00f0 r\u00e6\u00f0a.<\/p>\n\n\n\n

d.         Reglur 18. gr. um bestu framkv\u00e6md sem m\u00e6la fyrir um skyldu Arev til a\u00f0 leita allra lei\u00f0a til a\u00f0 tryggja bestu m\u00f6gulegu ni\u00f0urst\u00f6\u00f0u fyrir vi\u00f0skiptavini s\u00edna og setja s\u00e9r verklagsreglur \u00ed \u00feeim efnum gilda ekki \u00feegar um vi\u00f0urkenndan gagna\u00f0ila er a\u00f0 r\u00e6\u00f0a.<\/p>\n\n\n\n

e.         \u00de\u00e1 er Arev ekki skylt a\u00f0 gera r\u00e1\u00f0stafanir sem mi\u00f0la a\u00f0 sanngjarnri og skj\u00f3tri framkv\u00e6md fyrirm\u00e6la vi\u00f0skiptavina \u00feegar um vi\u00f0urkenndan gagna\u00f0ila er a\u00f0 r\u00e6\u00f0a.<\/p>\n\n\n\n

3.2       Fagfj\u00e1rfestir<\/p>\n\n\n\n

Me\u00f0 fagfj\u00e1rfestum er \u00e1tt vi\u00f0 vi\u00f0skiptavini sem b\u00faa yfir reynslu, \u00feekkingu og s\u00e9rfr\u00e6\u00f0ikunn\u00e1ttu til a\u00f0 taka sj\u00e1lfir \u00e1kvar\u00f0anir um fj\u00e1rfestingar og meta \u00fe\u00e1 \u00e1h\u00e6ttu sem \u00feeim fylgir. \u00dear af lei\u00f0andi byggja l\u00f6gin \u00e1 \u00fev\u00ed a\u00f0 fagfj\u00e1rfestar \u00feurfi ekki \u00e1 s\u00f6mu vernd a\u00f0 halda var\u00f0andi s\u00ednar fj\u00e1rfestingar og almennir fj\u00e1rfestar.<\/p>\n\n\n\n

H\u00e9r er ger\u00f0 grein fyrir \u00feeirri vernd sem Arev er skylt a\u00f0 veita almennum fj\u00e1rfestum annars vegar og vi\u00f0urkenndum gagna\u00f0ilum hins vegar samkv\u00e6mt l\u00f6gum um ver\u00f0br\u00e9favi\u00f0skipti. Ganga m\u00e1 \u00fat fr\u00e1 \u00fev\u00ed a\u00f0 s\u00fa vernd sem Arev \u00fearf a\u00f0 veita fagfj\u00e1rfestum s\u00e9 \u00e1 milli \u00feess sem krafist er \u00feegar um r\u00e6\u00f0ir hina tvo flokkana. \u00cd \u00fev\u00ed samhengi m\u00e1 til d\u00e6mis nefna a\u00f0 14. gr. laga um ver\u00f0br\u00e9favi\u00f0skipti, sem sn\u00fdr a\u00f0 skyldum fj\u00e1rm\u00e1lafyrirt\u00e6kis var\u00f0andi uppl\u00fdsingagj\u00f6f til vi\u00f0skiptavina, gildir b\u00e6\u00f0i gagnvart almennum fj\u00e1rfestum og fagfj\u00e1rfestum \u00e1 me\u00f0an reglur 15. gr. laganna, um \u00f6flun uppl\u00fdsinga og r\u00e1\u00f0leggingar vegna eignast\u00fdringar og fj\u00e1rfestingarr\u00e1\u00f0gjafar, gilda ekki nema a\u00f0 litlu leyti um fagfj\u00e1rfesta.<\/p>\n\n\n\n

3.3       Almennur fj\u00e1rfestir<\/p>\n\n\n\n

Almennir fj\u00e1rfestar nj\u00f3ta fullrar verndar samkv\u00e6mt fyrirm\u00e6lum laga um ver\u00f0br\u00e9favi\u00f0skipti, \u00fear me\u00f0 tali\u00f0 var\u00f0andi \u00f6ll \u00feau atri\u00f0i sem undanskilin eru \u00feegar um r\u00e6\u00f0ir vi\u00f0urkennda gagna\u00f0ila og talin eru upp h\u00e9r a\u00f0 ofan.  \u00cd \u00feessu felst m.a. a\u00f0 Arev er skylt a\u00f0 veita vi\u00f0skiptavinum \u00ed \u00feessum flokki uppl\u00fdsingar um:         <\/p>\n\n\n\n

    \n
  1. Arev og \u00fe\u00e1 \u00fej\u00f3nustu sem bo\u00f0i\u00f0 er upp\u00e1 og \u00farr\u00e6\u00f0i vi\u00f0skiptavinarins;
    1. \u00fe\u00e1 fj\u00e1rfestingakosti sem eru \u00ed bo\u00f0i og \u00fe\u00e1 \u00e1h\u00e6ttu sem fylgir hverjum;<\/li><\/ol>\n
        \n
      1. \u00feau gj\u00f6ld og \u00fe\u00f3knanir sem fylgja hverjum fj\u00e1rfestingakosti.<\/li>\n<\/ol>\n<\/li>\n<\/ol>\n\n\n\n

        \u00de\u00e1 er vakin athygli \u00e1 \u00fev\u00ed a\u00f0 almennum fj\u00e1rfestum er heimilt a\u00f0 \u00f3ska eftir \u00fev\u00ed a\u00f0 ver\u00f0a flokka\u00f0ir sem fagfj\u00e1rfestar. Vi\u00f0 sl\u00edka flokkun er vi\u00f0skiptavinur a\u00f0 afsala s\u00e9r hluta sinna r\u00e9ttinda og verndar skv. l\u00f6gum um ver\u00f0br\u00e9favi\u00f0skipti. Til \u00feess a\u00f0 sl\u00edk bei\u00f0ni ver\u00f0i tekin til greina ver\u00f0ur vi\u00f0skiptavinur a\u00f0 veita Arev \u00e1kve\u00f0nar uppl\u00fdsingar og sl\u00edk flokkun er h\u00e1\u00f0 sam\u00feykki Arev.<\/p>\n\n\n\n

        \n\n\n\n

        GILDISTAKA<\/h2>\n\n\n\n

        Reglur \u00feessar taka gildi vi\u00f0 undirritun stj\u00f3rnar Arev. Jafnframt fellur \u00far gildi stefna um sama efni fr\u00e1 2025.<\/p>\n\n\n\n

        Sam\u00feykkt \u00e1 fundi stj\u00f3rnar hinn 27. mars\u00a0 2026.<\/p>\n\n\n\n

        <\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

        Reglur Arev ver\u00f0br\u00e9fafyrirt\u00e6kis hf. um flokkun vi\u00f0skiptavina ALMENNT Reglur \u00feessar eru settar \u00ed samr\u00e6mi vi\u00f0 […]<\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"plain-container","ast-site-content-layout":"normal-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2046","page","type-page","status-publish","hentry"],"yoast_head":"\nFlokkun vi\u00f0skiptavina | Arev<\/title>\n<meta name=\"description\" content=\"Reglur Arev um flokkun vi\u00f0skiptavina sem almennra fj\u00e1rfesta, fagfj\u00e1rfesta e\u00f0a vi\u00f0urkenndra gagna\u00f0ila og hva\u00f0a vernd hverjum flokki fylgir.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arev.is\/en\/client-categorisation\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Flokkun vi\u00f0skiptavina\" \/>\n<meta property=\"og:description\" content=\"Reglur Arev um flokkun vi\u00f0skiptavina sem almennra fj\u00e1rfesta, fagfj\u00e1rfesta e\u00f0a vi\u00f0urkenndra gagna\u00f0ila og hva\u00f0a vernd hverjum flokki fylgir.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/arev.is\/en\/client-categorisation\/\" \/>\n<meta property=\"og:site_name\" content=\"Arev\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-14T11:48:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/arev.is\/wp-content\/uploads\/2022\/06\/emma-francis-vpHCfunwDrQ-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/arev.is\\\/flokkun-vidskiptavina\\\/\",\"url\":\"https:\\\/\\\/arev.is\\\/flokkun-vidskiptavina\\\/\",\"name\":\"Flokkun vi\u00f0skiptavina | Arev\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/arev.is\\\/#website\"},\"datePublished\":\"2025-03-20T11:42:01+00:00\",\"dateModified\":\"2026-10-14T11:48:44+00:00\",\"description\":\"Reglur Arev um flokkun vi\u00f0skiptavina sem almennra fj\u00e1rfesta, fagfj\u00e1rfesta e\u00f0a vi\u00f0urkenndra gagna\u00f0ila og hva\u00f0a vernd hverjum flokki fylgir.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/arev.is\\\/flokkun-vidskiptavina\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/arev.is\\\/flokkun-vidskiptavina\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/arev.is\\\/flokkun-vidskiptavina\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/arev.is\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Flokkun vi\u00f0skiptavina\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/arev.is\\\/#website\",\"url\":\"https:\\\/\\\/arev.is\\\/\",\"name\":\"Arev - eignast\u00fdring og r\u00e1\u00f0gj\u00f6f\",\"description\":\"Eignast\u00fdring & r\u00e1\u00f0gj\u00f6f\",\"publisher\":{\"@id\":\"https:\\\/\\\/arev.is\\\/#organization\"},\"alternateName\":\"Arev\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/arev.is\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/arev.is\\\/#organization\",\"name\":\"Arev ver\u00f0br\u00e9fafyrirt\u00e6ki hf\",\"alternateName\":\"Arev\",\"url\":\"https:\\\/\\\/arev.is\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/arev.is\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/arev.is\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/arev-black-logo.png\",\"contentUrl\":\"https:\\\/\\\/arev.is\\\/wp-content\\\/uploads\\\/2022\\\/06\\\/arev-black-logo.png\",\"width\":213,\"height\":102,\"caption\":\"Arev ver\u00f0br\u00e9fafyrirt\u00e6ki hf\"},\"image\":{\"@id\":\"https:\\\/\\\/arev.is\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.linkedin.com\\\/company\\\/88165649\\\/\",\"https:\\\/\\\/www.wikidata.org\\\/wiki\\\/Q140521495\"],\"description\":\"\\\"Arev ver\u00f0br\u00e9fafyrirt\u00e6ki hf. er \u00edslenskt ver\u00f0br\u00e9fafyrirt\u00e6ki, stofna\u00f0 1996, s\u00e9rh\u00e6ft \u00ed fyrirt\u00e6kjar\u00e1\u00f0gj\u00f6f, vir\u00f0ismati, samkeppnisgreiningu og t\u00f6lfr\u00e6\u00f0ir\u00e1\u00f0gj\u00f6f fyrir verslun, i\u00f0na\u00f0 og sj\u00e1var\u00fatveg. Starfsemin byggir \u00e1 fj\u00e1rm\u00e1last\u00e6r\u00f0fr\u00e6\u00f0i og talnagreiningu. F\u00e9lagi\u00f0 s\u00e9rh\u00e6fir sig \u00ed a\u00f0 afla fj\u00e1rmuna fyrir stofnendur. F\u00e9lagi\u00f0 er me\u00f0 starfsleyfi sem ver\u00f0br\u00e9fafyrirt\u00e6ki fr\u00e1 Se\u00f0labankanum.\\\"\",\"email\":\"arev@arev.is\",\"telephone\":\"8642247\",\"legalName\":\"Arev ver\u00f0br\u00e9fafyrirt\u00e6ki hf\",\"foundingDate\":\"1996-06-12\",\"vatID\":\"103750\",\"leiCode\":\"967600SM27FQVOIXI208\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1\",\"maxValue\":\"10\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Client Categorisation | Arev","description":"How Arev classifies clients as retail clients, professional clients or eligible counterparties, and the protection that applies to each category.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/arev.is\/en\/client-categorisation\/","og_locale":"en_GB","og_type":"article","og_title":"Flokkun vi\u00f0skiptavina","og_description":"Reglur Arev um flokkun vi\u00f0skiptavina sem almennra fj\u00e1rfesta, fagfj\u00e1rfesta e\u00f0a vi\u00f0urkenndra gagna\u00f0ila og hva\u00f0a vernd hverjum flokki fylgir.","og_url":"https:\/\/arev.is\/en\/client-categorisation\/","og_site_name":"Arev","article_modified_time":"2026-10-14T11:48:44+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/arev.is\/wp-content\/uploads\/2022\/06\/emma-francis-vpHCfunwDrQ-unsplash-scaled.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/arev.is\/flokkun-vidskiptavina\/","url":"https:\/\/arev.is\/flokkun-vidskiptavina\/","name":"Client Categorisation | Arev","isPartOf":{"@id":"https:\/\/arev.is\/#website"},"datePublished":"2025-03-20T11:42:01+00:00","dateModified":"2026-10-14T11:48:44+00:00","description":"How Arev classifies clients as retail clients, professional clients or eligible counterparties, and the protection that applies to each category.","breadcrumb":{"@id":"https:\/\/arev.is\/flokkun-vidskiptavina\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/arev.is\/flokkun-vidskiptavina\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/arev.is\/flokkun-vidskiptavina\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/arev.is\/"},{"@type":"ListItem","position":2,"name":"Flokkun vi\u00f0skiptavina"}]},{"@type":"WebSite","@id":"https:\/\/arev.is\/#website","url":"https:\/\/arev.is\/","name":"Arev - Asset management and advisory","description":"Asset management & advisory","publisher":{"@id":"https:\/\/arev.is\/#organization"},"alternateName":"Arev","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/arev.is\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/arev.is\/#organization","name":"Arev Securities hf.","alternateName":"Arev","url":"https:\/\/arev.is\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/arev.is\/#\/schema\/logo\/image\/","url":"https:\/\/arev.is\/wp-content\/uploads\/2022\/06\/arev-black-logo.png","contentUrl":"https:\/\/arev.is\/wp-content\/uploads\/2022\/06\/arev-black-logo.png","width":213,"height":102,"caption":"Arev ver\u00f0br\u00e9fafyrirt\u00e6ki hf"},"image":{"@id":"https:\/\/arev.is\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/88165649\/","https:\/\/www.wikidata.org\/wiki\/Q140521495"],"description":"\"Arev Securities Ltd. is an Icelandic securities firm, established in 1996, specialising in corporate advisory, valuation, competitive analysis and statistical consultancy for retail, industry and fisheries. The business is based on financial mathematics and numerical analysis. The company specialises in raising capital for founders. The company is authorised as an investment firm by the Central Bank of Iceland.\"","email":"arev@arev.is","telephone":"8642247","legalName":"Arev ver\u00f0br\u00e9fafyrirt\u00e6ki hf","foundingDate":"1996-06-12","vatID":"103750","leiCode":"967600SM27FQVOIXI208","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1","maxValue":"10"}}]}},"_links":{"self":[{"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/pages\/2046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/comments?post=2046"}],"version-history":[{"count":5,"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/pages\/2046\/revisions"}],"predecessor-version":[{"id":2326,"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/pages\/2046\/revisions\/2326"}],"wp:attachment":[{"href":"https:\/\/arev.is\/en\/wp-json\/wp\/v2\/media?parent=2046"}],"curies":[{"name":"WordPress","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}