ATM Fees in Norway
Norwegian Krone (NOK) • Updated April 2026
Norway is nearly cashless - cards are accepted everywhere including remote areas. One of the world's most expensive countries. ATMs available but rarely needed. Note: Weaker Krone means USD costs may be lower than historical averages (approx. 11 NOK to 1 USD).
Tips for Norway
- • Cards accepted literally everywhere
- • Cash almost never needed
- • Extremely expensive country
- • Weaker Krone (11 NOK/USD) means better value for USD holders
- • Contactless ubiquitous
- • Even hot dog stands take cards
- • Public toilets often accept (and sometimes require) cards
Airport tips
- • Oslo and other airports are fully card-friendly
- • No need for cash
- • ATMs available if needed
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Norway, per person.
Backpacker
Hostels, street food, public transport
NOK/day
≈ $88.74-188 USD
Mid-range
Hotels, restaurants, mix of transport
NOK/day
≈ $240-449 USD
Luxury
Premium hotels, fine dining, private transport
NOK/day
≈ $585-1,169 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Norway.
Credit card acceptance
UniversalOne of the world's most cashless societies. Cards work everywhere including public toilets.
You'll need cash for
- • Essentially nothing
- • Perhaps some tips
Cards usually accepted
- • Everywhere
- • Remote areas
- • Mountain huts
- • Ferries
- • All businesses
- • Public toilets
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| DNB | 0 NOK | 0% | Visa/MC rate | 0 USD | 100 | No fee |
| Nordea | 0 NOK | 0% | Visa/MC rate | 0 USD | 60 | No fee |
| Sparebank 1 | 0 NOK | 0% | Visa/MC rate | 0 USD | 50 | No fee |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| DNB | 0 NOK | 0% | Visa/MC rate | 0 USD | 100 | Best coverage |
| Nordea | 0 NOK | 0% | Visa/MC rate | 0 USD | 60 | Good network |
| Sparebank 1 | 0 NOK | 0% | Visa/MC rate | 0 USD | 50 | Regional |