Open a bank account without Electronic ID
You can open a bank account without Electronic ID to get started with bank account and insurance in Norway. It is important to emphasize that you will need Electronic ID to get digital access to public services in Norway.
Norwegian identification number
You will need a Norwegian identification number if you are going to open a bank account in Norway. A Norwegian identification number is given by the Norwegian Tax Administration office (Skatteetaten) and is an electronic registration of your identity which consist of 11 digits. There are two categorizes of Norwegian identification numbers: National identity number (permanent), and D-number (temporary). You must have an identification number.
Go to Norwegian Tax Administration Office (Skatteetaten) to find information about national identity number.
Go to Norwegian Tax Administration Office (Skatteetaten) to find information about D – number.
What you will need to open a bank account
In addition to a Norwegian identification number, you will need these documents to open a bank account:
- Valid foreign passport
- Valid identification papers
- Valid National ID card
- Valid National ID card from an EU/EEA country
Documents must be approved translated into Norwegian or English!
Contact information
It is important to update your contact information if you have changed: name, birthdate, phone number, e-mail and post address.
You do not need a Norwegian phone number when you fill out the online form to open a bank account. It is after you have opened a bank account that you can receive a Norwegian phone number. Post address must be updated with the full name on the post box on your housing address. Banks send letters of confirmation with booking appointments and other useful information about their services to your postal living address in Norway.
Local banks in Mo I Rana
See the list below for local banks which accepts new customers in Mo i Rana.
Bank appointment
There are two ways you can open a bank account in one of these local banks, where you can either fill out the online form, or you can schedule a bank appointment by using the contact information to the bank. If you fill out the online form you will automatically schedule an appointment with the bank. You are obligated to meet in – person to confirm your identity with the local bank. It is important to be one time preferably a few minutes before your scheduled appointment, where you cannot show up unannounced to a bank appointment. This is the standard route for customers of every local bank in Mo I Rana and in the rest of Norway.
What you will need for the bank appointment
Here you will find a recommended list about things to bring with you to the bank appointment. Remember this is a general list recommended by the local banks.
- Identity documents (see the list what you will need to open a bank account).
- Employment contract or job contract signed by both from your Norwegian employer.
- Tenancy agreement signed by both from your local landlord in Mo I Rana.
Bring an Interpreter or translator with you who understand the language if you are not sufficient enough in English or Norwegian. This does not need to be an approved interpreter or translator but someone who can help you understand information by the bank, which is also a requirement when you are signing the agreement.
What to consider as a foreign bank customer
To open a bank account with Electronic ID means that you establish a standard bank account as a customer in the local bank. A standard bank account gives you the necessary tool to receive money and make payments through your account and card, and to have insurances. It does not give you access to other bank services available for customers in the local banks, and other digital services in Norway.
Timeline
Timeline is an aspect you should consider when you are in the process of opening a bank account. It is recommended to fill out the online form to the bank immediately after you have received your Norwegian identification number, because it can take a couple of weeks between filling out the online form, and your appointment with the local bank. After you have finished your appointment with bank, it can take some time before you receive letters with documents and bankcard in your mailbox to your post address.
Temporary solutions
Here are some temporary solutions for bank and insurance if it takes some time to open a bank account in your local bank in Mo I Rana. Keep in mind this is only suggestions for you if you need temporary solutions.
- Credit cards preferably Visa Credit cards.
- Temporary housing and healthcare insurances.
Finance Norway have a English webportal about bank and insurance for newcomers.