Opening a bank account in Norway in 2026: ID and payments
How do newcomers open a bank account?
Finance Norway says basic banking services are in principle available to residents of Norway regardless of citizenship. Banks must verify your identity, address, intended account use and source of funds. Contact the bank for its application procedure. A right to apply does not eliminate lawful customer due diligence requirements.
Which identity documents can be used?
Finance Norway lists valid Norwegian or foreign passports and certain EU/EEA identity documents among possible accepted forms. A D-number may help with administration but does not automatically provide BankID or every banking product. The bank may require details about residence, employment and where funds originate. Check the current list before attending a branch.
How are BankID and Vipps different?
A basic payment account can enable deposits, transfers, a debit card and online banking. BankID is a separate electronic identity service and a bank may assess it independently. Vipps is a separate mobile payment product with its own identity, phone and bank requirements. Neither is guaranteed merely by opening an account.
How do you pay invoices and rent?
Check the Norwegian bank account number, KID reference, amount and due date on the invoice. Online banks may support eFaktura and AvtaleGiro. If you do not yet have a Norwegian account, ask the payee for accepted alternatives. International payments may use IBAN and BIC and carry conversion or transfer charges.
What if the bank requests more documentation?
Ask for a clear written list of missing documents and a decision through the bank's customer process. Compare the requirements at other institutions and use a formal complaints mechanism when appropriate. Do not use another person's BankID or share verification codes.
Frequently asked questions
Yes, subject to bank verification.
No.
No.
No.
Yes.
An invoice reference number.
No.
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