Norway’s de facto national wallet, covering P2P transfers, in-store payments, invoices and e-commerce. As part of the Vipps MobilePay group it interoperates cross-border with MobilePay in Denmark and parts of Finland.
!Not a bank. Vipps operates as a payment institution supervised by the Norwegian FSA (Finanstilsynet); wallet balances are e-money / stored value, NOT deposits, and are outside deposit-insurance protection. Funds are safeguarded in segregated / trust accounts under the applicable rules, not covered by any deposit guarantee scheme.
Yes, with limits. You need a Norwegian mobile number. Without a Norwegian national identity number (fødselsnummer) you may be able to verify with a passport for a restricted profile, with lower limits than fully BankID-verified users. Full functionality requires Norwegian BankID.
No minimum top-up — payments are debited from your linked card in real time｜Free for consumer transfers and payments. Withdrawals to a bank account have limits and fees above them; merchant acceptance is charged separately.
Unverified profiles have very low limits (small transfers only); BankID verification raises them substantially. Check the in-app limits. Balances are not deposits and are not deposit-insured.
Yes, with limits. You need a Norwegian mobile number. Without a Norwegian national identity number (fødselsnummer) you may be able to verify with a passport for a restricted profile, with lower limits than fully BankID-verified users. Full functionality requires Norwegian BankID.
Local bank account: Usually required — you link a Norwegian card; a limited Vipps account is possible without a bank card. Items typically needed: A Norwegian mobile number; A Norwegian Visa/Mastercard debit or credit card; Norwegian BankID for full access, or a passport for limited verification.
Typically: A Norwegian mobile number; A Norwegian Visa/Mastercard debit or credit card; Norwegian BankID for full access, or a passport for limited verification.
How to sign up: Fully online — register in the app with a Norwegian number and BankID or passport verification (About 10 minutes from download to first use; passport verification may take longer). Steps: 1) Download Vipps and register with your Norwegian number 2) Enter your name and email 3) Link a Norwegian bank card 4) Verify with BankID if you have it, otherwise upload a passport as prompted 5) Once verified you can transfer and pay by QR Fees: Free for consumer transfers and payments. Withdrawals to a bank account have limits and fees above them; merchant acceptance is charged separately.
Unverified profiles have very low limits (small transfers only); BankID verification raises them substantially. Check the in-app limits. Balances are not deposits and are not deposit-insured.
E-wallet rules change often — always follow the latest instructions in the official app.