Norway uses a modern, cashless-friendly payment system. Most transactions are conducted electronically, and cash is rarely required in urban areas.
- Official currency: Norwegian Krone (NOK), currency code: NOK.
- Payment methods: Credit and debit cards (Visa, Mastercard, American Express) are widely accepted. Mobile payments (Apple Pay, Google Pay, Vipps) are common. Cash is accepted but less prevalent.
- Contactless payments: Highly prevalent, including NFC-enabled cards and mobile wallets.
- ATMs: Widely available in cities and airports. Most accept international cards (Visa, Mastercard, Maestro, Cirrus).
- Currency exchange: Available at banks, airports, and exchange offices. Banks may offer better rates than airport kiosks.
- Foreign currency restrictions: Large cash transactions are discouraged. Most businesses prefer electronic payments.
- Cash import/export limits: Travelers may bring in or take out up to NOK 25,000 (approx. USD 2,400/EUR 2,200) without declaration. Amounts above must be declared to Norwegian Customs.
- Transaction fees: Foreign card transactions may incur a 1–3% surcharge. ATMs may charge additional fees for international cards.
- Payment issues: Some rural areas may have limited card acceptance; carry small amounts of cash as backup.
- Major banks/payment providers: DNB, Nordea, SpareBank 1, Handelsbanken, and Vipps (mobile payments).
- Regulations: Norwegian Financial Supervisory Authority oversees payment systems. Travelers should check for updated advisories before arrival.
