How to Get a Norwegian Bank Account – in 7 Steps
Moving to Norway? You’ll quickly realise one thing: you really need a bank account. No bank account equals no salary, no rent payments, no life admin. The good news? It’s totally doable. However, there are a few steps. Let’s break it down.
Get your ID number (this is step zero, really)
Before you even think about banks, you need a Norwegian ID number:
Two types of ID numbers
- D-number → temporary (short stays, new arrivals)
- National identity number → permanent
Most newcomers start with a D-number. And yes, you can open a bank account with it.
Gather your documents
Norwegian banks love documentation. Like, really love it. Ahh.
What you’ll need
- Valid passport or national ID
- D-number or national ID number
- Norwegian address
- Proof of why you’re in Norway (job contract, study confirmation, etc.)
- Tax card (in some cases)
Bring originals + copies. It might save you a second trip.
Choose your bank
You’ve got options for sure. But not all banks have the same requirements. Some of the big players:
Try more than one if needed; requirements can vary.
Book an appointment (or apply online)
Some banks let you start online. Many require in-person ID check the first time. Yes, even in super digital Norway.
Show up, prove who you are, and explain yourself
This part surprises many people.
Because of very strict anti-money laundering rules, the bank will ask:
- What will you use the account for?
- Where does your money come from?
This is called the “know your customer” principle. Don’t worry, it’s completely normal.
Sign, Wait, and… Wait a Bit Longer
Once approved, things happen — just not all at once:
Account created
Your bank account number is assigned and ready internally.
Debit card sent by post
Usually arrives within a week, sometimes longer.
Login details arrive separately
For security reasons, your online banking credentials come in a separate letter.
You’re in!
Processing time: from a few days to a couple of weeks.
Get online banking (and eventually BankID)
At first, you’ll get a basic account, a debit card, and access to online banking. Later, you may get BankID, which is essential in Norway.
What is BankID?
- Your digital ID in Norway
- Used to log in, sign documents, and access services
- Often required for contracts, housing, and public services
- For more information, visit bankid.no
You usually need some account history before getting it.
Things to Know
Some banks require a job or income. You might first get a limited account. Processing can be slower without a national ID number. If one bank says no — try another.
Frequently Asked Questions
Can I open an account with just a passport?
No. You’ll also need a D-number (or national ID) and a Norwegian address.
What if I don’t have a job yet?
Some banks may say no. Others are more flexible. Shop around.
Does it cost anything?
Opening an account is usually free, but cards, transfers, and services may come with fees.
Can I use Vipps?
Yes. But only after you’ve opened a bank account and verified your identity via Vipps.
More Tips
Before you go
- Ask the bank in advance what they require
- Bring more documents than you think you need
- Ask for an English-speaking advisor if you feel like it
- Get help from your employer or university if you need to
Let’s Sum it Up
Opening a bank account in Norway is:
Not instant
A bit bureaucratic
But completely manageable
Once it’s done, though? Everything else in Norway gets much easier.