How do I open a bank account in Norway as a foreigner?
ID number, documents, the identity check and how long it takes.
Short answer
Foreigners can open a bank account in Norway with a Norwegian ID number (national identity number or D-number), a valid passport and an identity check at the bank. Banks can themselves request a D-number for new customers. DNB says becoming a customer can take up to 4–6 weeks for newcomers, and not every bank gives BankID to D-number holders.
Why
- The Tax Administration lists opening a bank account among the reasons for being issued a D-number, and banks can request one for a customer relationship.
- SpareBank 1 Nordmøre asks for a copy of your passport, plus a residence card if you come from a country outside the EU/EEA.
- Finanstilsynet says the bank must be sure you are who you say you are and ask you for valid identification.
Details
Banks are also required to ask about things like the purpose of the customer relationship and where your money comes from. Some banks ask for an employment contract, a student card or other proof of income. DNB asks you to send an application first and then prove your identity at a local office. If you are refused, complain to the bank first and then, if needed, to Finansklagenemnda, the financial services complaints board.
Tip
Check that your postal address in the National Population Register is correct, since banks such as SpareBank 1 Nordmøre send the contract by post.
What may differ
Seasonal workers staying nine months or less may not need a Norwegian account at all, since SpareBank 1 Lom og Skjåk notes that most employers can pay salaries to foreign accounts. Asylum seekers and refugees without a valid passport can identify themselves at DNB with other documents, such as a driving licence.
People also ask
- What do I need to open a bank account in Norway?
- Can foreigners open a bank account in Norway?
Sources
- Norwegian Tax Administration: D numberChecked at:
- SpareBank 1 Nordmøre: Become a customer without BankIDChecked at:
- DNB: Become a customer when you are new to NorwayChecked at:
- Finanstilsynet: Anti-money laundering rules and consumers' right to financial servicesChecked at:
- SpareBank 1 Lom og Skjåk: Become a customer with a D-numberChecked at:
This answer is for reference only. Bank rules can change, so check with the bank before you apply.
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