Using credit or debit cards in Norway is the new normal. But you never know when a euro or two will be needed in cash. So, this guide will tell you everything about ATMs in Norway, including bank fees and charges and ATM withdrawal limits. Read on and get some cash.
Where to find ATMs in Norway
Types of ATMs in Norway
ATM withdrawal limits in Norway
Norway ATM fees
Which cards are accepted by ATMs in Norway
Language of ATMs in Norway
Currencies
How to send money from Norway
Tips for using ATMs in Norway
Where to find ATMs in Norway
For more guides, check:
In Norway, ATM machines are located primarily in big cities and tourist locations. When you arrive, you’ll definitely bump into some machines in an airport or a train station. However, the fees there may be unfavourable, so to speak.
To get the best deal, search for local bank ATMs in the city. Use these locators:
You can also check Google Maps to find the nearest ATMs in Norway, but not all the machines are displayed there.
Withdrawing money in Norway is a common practice, so don’t worry; you’ll find some ATMs there.
Types of ATMs in Norway
In Norway, ATM machines are operated either by banks or private providers like Nokas or Loomis. Locals say that withdrawing money from a bank-owned machine is more reliable, but the private options are also OK.
ATM withdrawal limits in Norway
ATM withdrawal limits depend on several factors:
- Your home bank limits;
- ATM limits;
- The amount of cash left in a machine.
Check an app or bank website to learn more about the first one. Search for something similar to "Card limits".
Tips for withdrawing money in Norway: pay attention to the number of times you can withdraw money for free. For example, Wise starts charging fees after the second withdrawal in a month.
As for the ATM limits, it’s usually up to 10,000 NOK per transaction (800-900 EUR). It’s enough to avoid using credit or debit cards in Norway while you travel.
Norway ATM fees
Home bank fees and charges
Bank fees and charges will happen after you exceed the limits of your card (the amount of money or number of transactions in a month). The banks are quite transparent with their clients on that matter, so you can find the necessary information on websites or apps.
So, before travelling, search for a bank with Norwegian-free ATM withdrawal.
ATM
Unlike your home bank fees and charges, Norway ATM fees cannot be checked in advance. However, most of them are free. Some machines charge up to 75 NOK, but it should be clearly disclosed to you before you confirm the transaction. These are usually located in tourist-heavy areas.
The best way to get cash in Norway as a foreigner is to look for machines outside the city centre and run by providers that are partners of your home bank. Then, the Norway ATM fees will be reduced.
Which cards are accepted by ATMs in Norway
While using credit or debit cards in Norway is not a problem, some of them may not be used for Norwegian bank ATMs. You’ll be safe with:
- Visa;
- Mastercard;
- Discover;
- American Express;
- Maestro.
Using other credit or debit cards in Norway may be challenging, but it depends. So, search online for specific information regarding your card.
ATMs PIN
In Norway, ATM machines may not pair with 6-digit PIN cards. Therefore, change it to a 4-digit number before the trip. It’ll make your time in the country way more pleasant, as using credit or debit cards in Norway with signing is not a widely-adapted practice. Pin-and-chip is your go-to option.
Language of ATMs in Norway
You’ll find ATMs in Norwegian and English.
Quick note: ATM in Norwegian is ‘minibank’. Use this word when searching Norwegian ATM locations.
Currencies
NOK mostly. Some machines can offer EUR or USD, but we would recommend choosing the local currency anyway.
How to send money from Norway
The life of expats is full of new financial responsibilities and tasks. One of such is understanding how to transfer money back home without overpaying or getting scammed. For fast, cost-effective and safe transfers Norwegian expats use Profee.
Low fees and competitive exchange rates
Say goodbye to hidden charges and overpriced transfers. With Profee, you enjoy some of the lowest fees on the market and highly competitive exchange rates — so more of your money reaches your loved ones. Checking your balance after a transfer won’t bring any unpleasant surprises.
Quick setup, faster transfers
Why waste time looking for an ATM or filling out complicated forms? With Profee, you can register in just a few minutes and start sending money right away. The entire process is designed to be user-friendly and efficient — your money often arrives within minutes, not days.
Safe and secure every step of the way
Using physical ATMs can come with risks — shielding your PIN, watching out for card skimmers, or feeling uncomfortable with strangers nearby. Profee eliminates all that hassle. It's a fully licensed and regulated service that uses advanced encryption and fraud prevention tools to keep your money and personal information safe at all times.
Earn rewards for sharing
Profee’s referral programme lets you turn your good experience into extra benefits. Share your unique referral link with friends and family — once they sign up and meet the simple requirements, you’ll both receive rewards. It’s a win-win situation for helping others save money too.
Flexible transfer options
Need to send money to a bank account? A card? A mobile wallet? Profee gives you the freedom to choose. With support for transfers to over 90 countries and constantly expanding coverage, you can send funds quickly and easily — no matter where your recipient is.
Special first-time offers
New to Profee? You may be eligible for 0% transfer fees, exclusive exchange rates, or both — depending on your sending and receiving country. It’s the perfect way to try the service with maximum savings.
Convenient for your recipients
Your recipient won’t need to visit a branch, stand in line, or do anything extra. The money goes directly to their account, card, or wallet — all they need to do is wait for the notification. It's fast, seamless, and stress-free.
Tips for using ATMs in Norway
Avoid ATM fees in Norway
Don’t use the first machine you see, especially if it charges a fee. Take your time and search for fee-free options nearby.
Remember about safety
Don’t go to a bankomat in Norway at night, don’t accept any ‘help’ from strangers, hide your PIN and always keep your bag with you. Norway is one of the safest countries in the world, but it doesn’t mean that there are no bad people at all.
Pick the days right
On the weekends or during celebrations, machines can run out of cash because everyone suddenly needs it. Work days and work hours are the least busy time slots.
Less is more
Plan how much cash you’ll need in advance and make only one or two withdrawals. Thus, you’ll not be charged additional Norway ATM fees for exceeding a limit.
Choose banks wisely
If you have cards of several banks, compare their offers and conditions. Some foreign banks may have Norwegian free ATM withdrawal.
If an ATM eats your card
Don't panic—it's unpleasant but solvable. First, stay near the machine, as sometimes cards are returned automatically after several minutes. If it doesn't happen, take a photo of the ATM, record the location and time, and contact the provider. You can also contact your bank and request a card replacement.
Use mobile banking to track your withdrawals
After each withdrawal, check your bank app to confirm the amount charged and to spot any unexpected fees or currency conversion tricks. Monitoring your balance in real time helps you stay in control of your spending and avoid surprises, especially if you're using a foreign card in Norway.
Avoid dynamic currency conversion
When withdrawing cash, always choose to be charged in Norwegian kroner (NOK), not your home currency. Some ATMs in Norwegian banks offer to convert the amount for you, but this so-called “dynamic currency conversion” often comes with poor exchange rates and extra fees. Stick with local currency to save money.
Conclusion
ATMs in Norway are helpful for tourists and expats who need cash here and now. Use it smartly, remember about all the pitfalls and send money back home with Profee. That’s your way to financial stability in Norway.
