Paying Bills In Norway
Whether it is paying your house rent, utilities or other bills, most Norwegians prefer Internet banking, credit card, mobile banking and ATM deposit methods. Cheques are largely unheard of and the locals simply don't deal with cash. As such, paying bills and making utility payments in Norway is uncomplicated since you can do it in the comfort of your house or office.
However, most banks have no English interfaces and thus, expats have concerns about operating their accounts. Hiring a translator or noting down important English-Norwegian renditions can ease the hassle a bit.
Paying For Utilities
Utilities in Norway include electricity charges, water charges, HVAC system charges, television charges, mobile and landline phone bills and refuse collection agency bills. Depending on the service providers you choose, you will be forwarded a monthly or annual utility bill that you'll need to pay in thirty days or less. The services are fairly competitive and in case you wish to view a complete list of all the services you need, [here is a link] www.oslo.kommune.no/English you can bookmark.
Payments can automatically be set up with your bank account or you can manually pay for your utilities. If the transactions are carried out through Internet banking systems, you'll simply receive an email alert about the funds being withdrawn or transferred to the provider's account from your account.
Credit and debit cards are also used to make payments by local Norwegians, although not many prefer using these plastic payment options. Another emerging electronic payment option is the mobile banking method, where you receive mobile bill alerts from your providers and you use your mobile bank interface to authorize bill payments.
On the other hand, if you choose to manually make payments, your providers will send you invoices with a payment slip that you can show to pay up in post offices and a few select utility stores. There is a 30 day payment window, after which you will be sent notices and later on, face charges for late payments from the Norwegian Government and the Debt Collection Agency.
In order to use internet banking and electronic means of payment, you will first require a savings bank account in Norway. The documentation required to set an account differ from bank to bank. However, you will need your passport, work permit or residence permit, a Norwegian Number (confirming your registration with the Directorate of Immigration) and identity proof in most banks.
Some banks may also ask for your income tax submission details, if applicable; admission card in a Norwegian University, if you are a student; or a recommendation from a previous bank, if applicable.
While individuals from non-EEA countries find it difficult to get bank accounts in Norway, British nationals face no such problems. After signing up and getting registered for a bank account, you can make payments for your bills through any of the following methods:
- Electronic banking or Internet banking services
- Debit cards and credit cards
- Snail Mail (cheques that may be in operation for a few banks in Norway)
- ATM (or mini-bank) deposits
You may want to browse through this important guide for British expats: www.norway.org.uk/Embassy/faq/ on matters concerning finance, money, tax and bill payments.