How to send money to Norway in 2026: kroner, and euros from the European Union at the price of a domestic transfer
Norway settles in kroner and accepts euro payments as a member of the single euro payments area. A Norwegian account number is short, 11 digits; there has been no gift tax since 2014, and in 2026 a deposit is protected up to $210,000 (2,000,000 kroner). We cover the ID number a bank needs and how to send a large sum.
In short
- The international Norwegian account number has 15 characters, the shortest in Europe.
- A euro transfer from an EU country costs the same as a domestic transfer in kroner since 1 August 2025.
- There has been no gift or inheritance tax since 2014, and no gift return is filed.
- A deposit is guaranteed up to $210,000 (2,000,000 kroner), and home sale proceeds in full for 12 months.
In detail
Norway settles in kroner and is not part of the European Union, but in 2026 money arrives here under the same rules as in the union countries. Euros from Germany or Spain are credited to a Norwegian account at the price of a domestic transfer in kroner, and from other countries a payment takes 1-3 business days. The recipient's account number is just 15 characters, a gift from family has not been taxed since 2014, and a deposit is protected up to 2 million kroner, which is $210,000.
| Method | On 8 October 2026 | Currency credited | Time | What to give |
|---|---|---|---|---|
| Euro transfer from an EU country | works, priced like a domestic transfer in kroner since 1 August 2025 | kroner or euros | no later than the next business day | the 15-character account number and the recipient's name |
| Transfer from a country outside the European Economic Area | works | kroner or the account currency | 1-3 business days | the account number, the recipient's name and address, the payment purpose |
| Instant transfer in kroner within Norway | works | kroner | seconds, around the clock, 365 days a year | the 11-digit account number |
| Transfer by phone number within Norway | works in banks' mobile apps | kroner | seconds | the recipient's phone number |
| Transfer to a Norwegian bank card | works | the card account currency | as for a transfer to an account | the number of the account the card is issued on |
The table was checked on 8 October 2026 against Norges Bank payment reports and the capital movements annex to the European Economic Area Agreement. Dollars on the page are at the Norges Bank rate for 7 October 2026, 9.584 kroner per dollar; euros are converted at the European Central Bank rate for the same day, rounded up.
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11 digits at home and 15 characters from abroad: the shortest account number in Europe
Within Norway an account is written as 11 digits: the first 4 identify the bank, the next ones the client's account, and the last is a check digit. For a transfer from abroad two country letters and two check digits are added, giving a 15-character international number, the shortest in Europe. For comparison, such a number has 22 characters in Germany and 28 in Cyprus.
A short number is easy to check by eye: if it has more or fewer than 15 characters, the mistake is visible before sending. The recipient's bank shows the ready number and the bank code in the app next to the account.
A national ID number or a D number: what the recipient needs for a Norwegian account
The Norwegian Tax Administration states plainly that a Norwegian identification number is needed to open a bank account. There are two such numbers, both 11 digits.
How to get each number, in 2026:
| Number | Who gets it | How to get it |
|---|---|---|
| National ID number | someone moving to Norway for 6 months or longer | after reporting the move and an identity check in the population register |
| D number | someone working for a few months, owning property, sitting on the board of a Norwegian company or becoming a bank client | the bank itself or a public body requests the number for its business relationship with the client; a certified copy of the passport is needed |
With the number the bank also issues a bank electronic ID, and with it the recipient logs in to the bank's app and to public services.
Kroner in seconds and transfers by phone number
Instant payments in kroner work in Norway around the clock, all 365 days a year: money reaches the recipient in a few seconds. Banks launched the first such solution in 2013, and since 2020 instant payments have settled through accounts at the central bank. Norges Bank has agreed with the European Central Bank to settle instant payments in kroner on the pan-European platform from 2028.
Between themselves, people in Norway most often send money by phone number: according to a Norges Bank survey in March 2026, 86% of payments between private individuals go this way. Knowing the recipient's number is enough, and the money arrives at once. Want your first transfer from abroad to arrive the first time? A manager will check the details with you.
Gifts and inheritance in Norway: no tax since 2014
Inheritance and gift tax in Norway was abolished from 1 January 2014. A gift from parents, a spouse, a friend or a company is not taxed, and no gift or inheritance return needs to be filed, whatever the sum.
One rule matters for a future sale: the recipient carries over the original tax cost of the property. If parents give a flat or shares, the tax on the gain when they are sold is worked out from the price the parents once paid. Money transferred to an account is not affected by this rule.
Money in a Norwegian account: interest, wealth and a guarantee up to $210,000
For a tax resident, deposit interest is part of general income and taxed at 22%, or 18.5% in Finnmark and some municipalities of Troms. A resident's wealth above 1,900,000 kroner, which is $200,000, is taxed at 1% a year, and above 21,500,000 kroner, which is $2,300,000, at 1.1%. A primary home counts in this calculation at only a quarter of its value, up to 14,000,000 kroner, which is $1,500,000.
The deposit guarantee in Norway in 2026:
| Deposit guarantee | Sum | Term |
|---|---|---|
| All of one person's deposits at one bank | up to $210,000 (2,000,000 kroner), interest included | paid out within 7 business days in kroner |
| Money from buying or selling a home or holiday home, marriage, divorce, retirement, insurance payouts | in full, with no upper limit | 12 months after crediting |
| Deposits at different banks | up to $210,000 at each bank | separately for each bank |
Money from selling a flat can be kept in a Norwegian account for a whole year under full protection while you choose a new home.
A flat in Norway: the same rules for any citizenship and a 2.5% fee
Norway has had no special rules for foreign buyers since 1994. A flat, a house on a plot of up to 10 hectares or a residential plot of up to 2,000 square metres is bought on general terms, without permission from the authorities; permission is needed only for large agricultural and forest holdings. For a buyer without a Norwegian number, the mapping authority itself requests a D number to register the title.
Registering the transfer of title in 2026 costs a fee of 2.5% of market value, at least 250 kroner, which is $30. For a flat costing 5,000,000 kroner, which is $530,000, the fee comes to 125,000 kroner, which is $14,000; a transfer of a home between spouses is exempt. Prices and choosing a city are covered in the article on buying a flat in Norway, and the country's taxes on the taxes in Norway page.
We will help you send money to Norway
Mistakes cost more than fees: a transfer made before the recipient has a D number and an account, euros to a kroner account with an extra conversion, home sale proceeds spread over several banks without working out the guarantee, a move without counting residence days. We will help you avoid them: we will choose the transfer route and currency for the sum, work out the taxes, collect documents on the origin of the money for the bank and carry out the transfer through licensed partners through to crediting.
Details and terms are with a manager in the chat: everything depends on the sum, the purpose of the transfer and your status in Norway.
More than 183 days in Norway: when you become a tax resident
A tax resident of Norway is someone who has spent more than 183 days in the country in any 12 months or more than 270 days in any 36 months. All full and part days count, trips are added together, and the purpose of the stay does not matter. If 183 days are reached in the year of the move, residence counts from the first day, and a resident pays tax on all income and wealth worldwide.
Sending a large sum to Norway: what the bank will ask
The law sets no limit on the transfer sum. A Norwegian bank, like banks in the European Union, asks about a large incoming payment where the money comes from and what it is for.
The bank's questions by sum in 2026:
| Sum | The Norwegian bank's question | Papers to prepare |
|---|---|---|
| Up to $1,200 (1,000 euros) | the sender and the recipient | the details and the payment purpose |
| $1,200 - $210,000 (up to 2,000,000 kroner) | the sender's details and the purpose of the transfer | a lease, a gift letter, an income certificate |
| From $210,000 (2,000,000 kroner) | the origin of the whole sum and the purchase it is for | the sale contract for the previous home, a tax return, account statements |
For a flat purchase the money arrives in the account in advance and is paid to the seller on the day title passes. Planning a large transfer for a home or a move? Describe your plan to a manager, and they will suggest a transfer route and the order of steps. How to prepare papers on the origin of the money is covered in the article on sending a large sum abroad.
From Norway across Northern Europe and beyond: Latvia, Germany, Britain
- Latvia: an account after a meeting in person and instant transfers in euros.
- Iceland: kroner and euros, a national ID number in the account.
- Denmark: a krone tied to the euro and an account for payouts.
- Sweden: kronor in 1-3 business days, gifts without tax.
- Finland: a flat as shares in a housing company, a 1.5% tax.
- Europe as a whole: the single euro payments area and rules for the union countries.
Other countries for moving with capital are in the capital relocation section.
FAQ
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We will suggest the best way to send your money
We will choose a transfer method for your amount and country, prepare the documents on the origin of the money for the bank, make the transfer through licensed partners and follow it until the money is credited. Ask your question in the chat - the manager will suggest the best terms and the cost. The legal side with banks and government bodies is handled by Murblz specialists and locally licensed partners.
Details and cost are with the manager in the chat. Describe your situation and we will reply right away.
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