The easiest way to go about this is to book an appointment with the bank you wish to set up an bank account with or register online.

You can choose any Norwegian bank you prefer. Most personal banking in Norway is done digitally these days, but there are still a few branches open for in-person meetings.

Largest banks by market share:

- DNB (33% market share)
- Nordea (12% market share)
- SpareBank 1 (10% market share)
- Danske Bank (6% market share)
- Handelsbanken (4% market share)
- Santander Consumer Bank (4% market share)
- Skandiabanken (3% market share)
- Sbanken (3% market share)

What to bring to the bank

For your meeting with the bank, you will need to bring your D-number or personal identification number, passport, proof of address and a passport photo.

It's worth noting that the policies and requirements for opening bank accounts with a D-number may vary between banks, so it's a good idea to contact the bank directly to confirm their specific requirements.

After setting up an account, the bank will allocate a Bank-ID (a personal electronic credential for secure identification and signing online), which you can use for bank transactions, including payments on public websites.

A debit card will be issued, and a PIN will arrive in the post shortly after.

Norway is nearly cashless. Few people have cash on hand, and many do transactions using a bank card or Vipps.

What is Vipps?

Vipps is a mobile payment app used throughout Norway. It enables you to send and receive money straight from your phone. You can use it to make payments, split bills with friends, donate to your favorite causes, and even pay your bills. Many shops in Norway accept Vipps.