📲 Dual SIM in Norway: how not to lose your bank SMS codes

You'll be amazed at how easily you can combine local internet access and access to your bank account with just two SIM cards! Dual-SIM is an amazing feature that can make your life so much easier! But to get the most out of it, you just need to set the priorities right. That way, you can make sure that your data, voice and SMS-OTP are all taken care of. Plus, you get correct VoLTE/VoWiFi settings and a clear "switching plan" for when you're travelling – so you can stay connected, no matter where you are! Below are some simple rules and checklists to ensure that calls, messages with codes and messengers work as expected and you don't lose access to financial services.

Which phones support eSIM + physical SIM?

Most flagship models in recent years support hybrid: eSIM + physical SIM (Dual-SIM/DSDS). On iPhone, these are the XS and newer models; on Android, there is a wide list (Samsung, Google Pixel, Xiaomi, etc.), but Dual-SIM capabilities depend on the specific version and region. Before travelling, check whether your model supports simultaneous operation of two lines, VoLTE/VoWiFi on both SIMs, and whether there are any operator restrictions on eSIM. Update iOS/Android and operator settings — this affects stability.

How to set priorities: voice/data/SMS?

Basic scenario: data — on the local eSIM, voice/SMS — on the home SIM (for banking OTPs). On iOS: "Settings → Cellular → Cellular Data" and "Default for Voice". On Android: "Network & Internet → SIM cards → Priority for data/calls/SMS". Run a test: outgoing call, incoming SMS, short video call. For a call, you can temporarily switch data to another SIM — it's important to be able to do this in two or three taps.

How to test the reception of bank codes?

Do a "dress rehearsal": 1) enable roaming on your home SIM; 2) request a test OTP from your bank/service; 3) note how many seconds it takes for the SMS to arrive. Repeat in a Wi-Fi zone and on the cellular network, near a window and indoors — delays may vary. If your bank supports OTP via push or a generator app, connect them as a backup channel. Record the working configuration in the "SIM priorities" template (link at the end).

What to do if OTPs stop arriving?

First, restart your phone and make sure that your home SIM card is active for SMS. Check that "data only on eSIM without SMS on home card" mode is not enabled. Disable spam filters/blockers. Try resending the code, then request an alternative channel (voice call/app generator). If that doesn't help, contact your bank and operator: sometimes you need to enable international SMS reception or remove anti-fraud blocking after changing countries.

How do I switch profiles while travelling?

Here is a brief scenario: "data → eSIM (Norway) / voice+SMS → home". On travel days (trains/ferries), it is convenient to temporarily assign data to a more stable SIM card. On iOS, add a "shortcut" with a link to the necessary settings screen; on Android, add a quick settings tile to the SIM menu (if available). Always check after switching: 1) network icon, 2) internet access, 3) test SMS, 4) short call.

How do iMessage/WhatsApp work with two SIM cards?

iMessage/FaceTime can be linked to a single number or to your Apple ID — messages will still arrive even if you change your details. In WhatsApp, the main account is linked to a single number; if it is on your home SIM, make sure that the SIM is active and can receive SMS/calls to restore access. Telegram/Signal have similar linking: keep a backup of your email/passwords, and enable two-step verification (PIN) in WhatsApp to avoid losing your account if your number is temporarily unavailable.

How to protect your number from SIM swapping?

Enable an additional PIN on your SIM card (SIM PIN), use a strong password with your operator and security questions. For accounts with access to money, enable 2FA via an app generator or security key — do not rely solely on SMS. Do not publish the number linked to your banks/messengers; keep your SIM chats with your operator closed. On your phone, enable biometric screen lock, "find device" and disable the display of the code on the lock screen.

How do I set up fallback to Wi-Fi calls?

Enable VoWiFi (Wi-Fi Calling) for both SIM cards (if supported). This will allow you to receive/make calls and receive OTP calls when your mobile signal is weak (concrete, rorbu). On iPhone: "Cellular → Wi-Fi Calling". On Android, the path depends on the firmware (usually "Mobile network → Wi-Fi calling"). Check which SIM has Wi-Fi calling enabled, make a test call in "Wi-Fi only" mode, and remember that some emergency calls require a cellular network.

When is roaming better than a second eSIM?

If you don't make many calls but need to receive SMS/calls on your home number, it is often cheaper to leave roaming only for voice/SMS and keep data on your local eSIM. This hybrid solution saves money and reduces the risk of not receiving OTPs. It is useful to have a mini data package on your home SIM as an emergency backup; check prices and restrictions (sometimes roaming can quickly use up your data package). For long stays, a second eSIM is a more cost-effective and stable option.

What to consider when changing phones/transferring eSIMs?

Before changing, take screenshots of your settings, update your contacts, and disable iMessage/FaceTime on your old device if you are changing your number. Transferring an eSIM often requires a new QR code from your operator — check the rules in advance. After the transfer, reassign your priorities (data/voice/SMS), enable VoLTE/VoWiFi, and be sure to test OTP. Do not dispose of your old SIM card until you have confirmed that everything is working properly on your new phone.

How to store QR codes/profiles securely?

A QR code with eSIM is essentially the "key" to your number. Keep it offline: print it out and store it in a safe/folder, use a secure password manager with an encrypted note, or store it on an encrypted USB drive. Do not keep the QR code in your gallery or an open cloud. Save priority lists and switching steps in a separate file without sensitive data. For travel, it is convenient to print out a "profile card" with minimal information and a test checklist.

Dual SIM is the absolute best thing since sliced bread! It makes travelling a breeze. You can get local data that's as fast as lightning and super cheap. And your home number will still receive calls and texts from your bank. Set clear priorities, enable VoLTE/VoWiFi, test OTP in real-world conditions, and save a "switching guide" for your travel scenarios – you're going to love how easy it makes everything! This way, you can avoid all those nasty surprises at the airport, in your rental apartment, and on your way to work.

I'm so excited to hear from you if you've found any inaccuracies or updates regarding settings, compatibility or operator rules! We would absolutely love to hear from you! Please get in touch using the feedback form in the catalogue. We'll get the information checked and update the article ASAP. And don't hold back - share your personal experiences in the comments! Your stories will help other travellers so much!