Norway's digital society runs on BankID. This electronic ID system unlocks everything from tax filings to apartment rentals. Foreign residents face a paradox. They need BankID for daily life but struggle to get it.
The BankID Barrier for Newcomers
Norwegian banks require a national identity number for BankID. This number comes from registering with the tax office. That registration demands proof of residence. Many foreigners arrive without permanent housing. They cannot get a national identity number without an address. They cannot open a bank account without BankID. This creates a circular problem.
Danskebank and Nordea enforce strict rules. They require six months of documented Norwegian income for most foreigners. Students and job seekers often lack this. Banks cite anti-money laundering regulations. These rules make sense for security. They create headaches for legitimate newcomers.
Tools
Best next step
Use a trusted tool mentioned in this guide.
Links may be monetized via affiliate partners.
Three Specific Paths to BankID
First, secure employment before arrival. Companies like Equinor or Telenor sponsor work permits. They help employees register with the tax office. This process takes three to six weeks. Employees receive a national identity number quickly. They can then apply for BankID at any major bank.
Second, study at a Norwegian university. The University of Oslo and NTNU help international students. They provide housing guarantees for tax registration. Students get national identity numbers within a month. They open bank accounts with BankID at local branches like Sparebank 1.
Third, use the EU citizen fast track. EU nationals can register with the police. They get a national identity number in two weeks. They show this at banks like DNB. BankID activation follows in days.
Practical Alternatives When BankID Fails
Vipps now offers limited access without BankID. Foreigners can download the app. They verify identity with a passport at Narvesen or 7-Eleven stores. This costs 200 kroner. It allows mobile payments and money transfers. It does not provide full BankID functions.
Bank Norwegian provides basic accounts quickly. It requires only a passport and proof of address abroad. The application takes 10 minutes online. Account approval comes in two days. It includes a debit card and online banking. It lacks BankID for public services.
Buypass offers a physical electronic ID. Foreigners order it online for 400 kroner. They verify identity at a post office. This device signs documents digitally. It works for some government services. It cannot access bank accounts.
The Digital Gap's Real Costs
Anna from Poland waited four months for BankID. She could not file her tax return digitally. She paid 1500 kroner for an accountant. She missed apartment listings requiring BankID for applications. She rented a temporary room for 12,000 kroner monthly.
Lars from Germany needed a prescription renewed. Without BankID, he could not use Helsenorge. He visited a clinic instead. The appointment cost 300 kroner. The digital service would have been free.
Frequently Asked Questions
Can I get BankID without a national identity number?
No. All Norwegian banks require this number. Apply at the tax office first. Bring your passport and rental contract.
How long does BankID approval take after application?
Most banks process applications in five business days. DNB often completes it in three. You receive activation codes by post.
What documents do banks require from foreigners?
Bring your passport, residence permit, and tax office registration. Some banks demand Norwegian employment contracts. Others accept foreign income statements.
Can I use foreign BankID in Norway?
No. Norwegian systems accept only Norwegian BankID. Some services recognize EU electronic IDs. These exceptions are rare.
Which bank is easiest for foreigners?
Bank Norwegian accepts online applications quickly. Danskebank has English-speaking staff in major cities. Compare requirements at bankenes.no.
How much does BankID cost?
Banks provide it free with accounts. Some charge 50 kroner for replacement codes. Vipps verification costs 200 kroner at convenience stores.
What if I leave Norway?
Notify your bank to deactivate BankID. Keep your Norwegian phone number active for six months. Some services require verification codes later.