As a general rule, we are only allowed to apply for a Bank account here in Norway if you have a person number – NNIN Norwegian National ID Number.
We use this number to identify ourselves to the public authorities and to open a Norwegian Bank Account. People residing in Norway are given a national ID number. While foreigners who intend to stay in Norway for less than six months will be given a D Number. What’s a D Number? Foreigners who come to work in Norway for less than six months will not be given a national ID number. Instead, they are assigned a D Number.
- Where did I get my NNIN?
If you are under the Family Reunification or Skilled Worker Visa, you must go to Skatteetaten – Tax Office within 7 seven days upon your arrival here.
a. Report your move to Norway
b. Apply for your tax deduction card
Wait for 2-3 weeks and you will receive a mail from them with your registry with NNIN.
2. Once you receive your NNIN you can already go to your preferred bank.
You can play around here at finansportalen to see and compare the different rates for personal account.
Bank, Product Name : DNB Silver card (Leve package) and SAGA
Effective Interest Rate : 0.10% Return after 1 year : 1kr
FEES to watch out: Giro payment 100kr / Transfer to other customer’s account in DNB 75.00kr
| Annual fee | 275-, |
| Purchases with debit card in and outside Norway | Free |
| Withdrawals from our ATMs | 10,- |
| Witdrawals from other banks’ ATMs | 10,- |
| Foreign currency withdrawals from DNB’s ATMs | 10,- |
| VISA withdrawals in other banks | 35,- |
| Cash withdrawals outside Norway: ATM and bank | 40,- |
| Conversion fee for use outside Norway | 1.95% |
Danske Bank
Effective Interest Rate : 0.10% Return after 1 year : 1kr
| Annual fee | 300-, |
| Purchases with debit card in and outside Norway | Free |
| Withdrawals from our ATMs | 10,- |
Sparebanken Vest
| Cards | Price |
|---|---|
| Årspris | |
| VISA | 275,00 |
| VISA Smart | 275,00 |
| VISA Smart Ung – tilknyttet Vestavinn 13-17 account | 0,00 |
| VISA Electron | 200,00 |
| VISA Electron under 18 yrs old – tilknyttet Sparegrisen & Godteguri or Vestavinn 13-17 konto | 0,00 |
| Reordering of cards | 150,00 |
| Usage | |
| Goods in Norway and abroad: | |
| Customer account for Vestavinn, Vestavinn13-17 og Sparegrisen & Godteguri | 0,00 |
| other customers | 2,50 |
| Cash withdrawal: | |
| Sparebanken Vest minibanker | |
| – 07.00-20.00 mandag til fredag | 0,00 |
| outside those hours above | 3,00 |
| – Customers for Vestavinn, Vestavinn13-17 og Sparegrisen & Godteguri | 0,00 |
| Other Norwegian banks | 10,00 |
| -Customers for Vestavinn Honnør | 0,00 |
| Foreign ATMS | 30,00 + 0,5 % av beløpet |
| -Customers for Vestavinn13-17 og Sparegrisen & Godteguri | 0,00 |
| Conversion fee for use outside Norway | 1,75 % |
3. Take note, NONE of those 3 banks above IS my bank of choice. LOL It’s up to you to ask, research or consult your Norwegian family or friends.
When I was opening a bank account, they specifically asked for my D Number and of course my NNIN. They also asked for my passport for legitimation/identification purposes. Bank ID form. I never had any problem with the interview because they speak english when they interviewed me for setting up my bank account. Filling out 8-10 forms and in less than 20 minutes, I received a copy of my bank agreement, my first Norwegian bank account! Yipeeee! After 2 business days, I received my BankID and I was able to log in my netbank, downloaded the my bank’s mobile app in iOs and Google Play.
4. My cards arrived after 5 business days! Contactless payment works too everytime I shop less than 200kr depending on the shops that supports it! I also connected my card to VIPPS so I can easily pay or transfer money! Happy shopping!
With a Norwegian bank account you’re ready to securely receive payments, salary, pay online and access government based services via BankID.
