🏦 How to open a bank account for students in Norway
📄 Documents
To open an account, students need to prepare:
● 📌 Passport or national ID.
● 📌 Proof of student status (Letter of Admission).
● 📌 Address in Norway (rental agreement or confirmation from Samskipnad).
● 📌 National registration number: D-nummer (temporary) or fødselsnummer (permanent).
● 📌 Sometimes — a certificate of registration with the UDI.
👉 Without a D-nummer, banks usually do not open accounts, except for special "deposit accounts" for visas.
⚙️ Opening process
- Submit an online application on the bank's website or in person at the office.
- Submit documents and wait for verification (usually 1–3 weeks).
- Receive a letter/SMS with confirmation and a card.
- Activate BankID (digital signature for online services).
📌 BankID is a key tool: without it, you cannot pay bills, subscribe to services, or access government services.
🏦 Best banks for students
● DNB: the largest bank, many branches, convenient mobile app.
● SpareBank 1: popular in the regions, often recommended by universities.
● Nordea: international bank, convenient for international transfers.
● Handelsbanken: more niche, but good for long-term stays.
👉 Universities often recommend specific banks during Welcome Week.
Opening a bank account is an exciting step on the path to financial independence for students in Norway! All you need to get started is your passport, proof of status and your D-nummer, and you're good to go! The best choice is definitely large banks such as DNB or SpareBank 1, which are fantastic at cooperating with universities.
📌 Tip: ask about BankID right away — without it, you won't be able to live a full life in Norway, from buying tickets to accessing government services.
FAQ
Yes, almost always. The exception is a deposit account for a study permit: money is deposited there to confirm funds, but it cannot be used as a regular account.
Rarely. You usually need to come to the office to undergo identification.
Most banks offer free services for students.
On average, 1–3 weeks. In summer, it may take longer due to increased workload.
Via SWIFT transfer to your Norwegian IBAN. Remember to factor in commission fees.
● A deposit account is used to confirm funds for a visa; you cannot freely withdraw money from it.
● Regular current account: used for everyday expenses.
After activating your account, the bank will issue a BankID (sometimes sent by post). It may take several days to activate.
