This is where you’ll find answers to frequently asked questions and other useful tips on cards and PIN codes.
Hold the card near the payment terminal.
Insert the card in the terminal.
Enter PIN code.
You can now use your card for contactless payments.
As an account holder, you must first register the account signatory on the account.
When the account signatory is registered, you can order cards for the account signatory. The account signatory can also order the card themselves by logging in to their own online bank.
The card agreement is then sent to both parties for electronic signing in the online bank.
If both have BankID, the agreement is sent by regular post.
If your debit card has been blocked because you have entered your PIN code four times incorrectly, you must wait at least 24 hours before you try to use your card again.
If you have had your Mastercard temporarily blocked due to entering the wrong PIN code, you must contact us.
If you are not sure whether you remember your PIN code, you can find it when logged in to the online bank or mobile bank.
View PIN in online bank
View PIN in mobile bank
The PIN code is shown for 30 seconds.
You do not need to do anything. We will automatically send you a new card by regular post well in advance of the expiry date.
Your card is valid until the last day of the expiry month stated on the card.
You can see the expiry date on the front of your card. For example, if it says 03/19, this means that you can use the card until 31 March 2019.
If you haven’t received your card in time, you can log in to the online bank and start a new chat, and an adviser will help you.
You will receive the new card no later than 30 days before your card expires.
When you shop with your card, it is checked to see whether there are sufficient funds/credit in the account and the amount you spend is reserved.
Your available balance is reduced accordingly, while the posted balance remains unchanged.
When the transaction is charged to your account, the balance is reduced and the reservations are deleted.
If you have detected unrecognised transactions in your account and suspect fraud, your card must be blocked.
You will normally receive a new debit card within one to two weeks. You can use your old card until you start using the new one.
If you have renewed your card, you can see the status of your order in the mobile banking app.
Click on “Me” ➡ “Card” and select the relevant card.
Once you’ve changed your name and it’s registered with us, you’ll need to contact the customer service centre to get the correct embossed name on a new card.
You can call us on 91504800, start a chat via the online bank or send us a message from the online bank under Everyday banking and loans – Inbox.
Yes, if you have a customer loyalty programme you have the same PIN code on all your cards.
You will normally receive a new debit card within a week. You can use your old card until you start using the new one.
BankAxept is the national payment system in Norway.
BankAxept has been implemented on the card linked to your current account.
With BankAxept, the payment is approved in real time by using chip and pin, contactless or a mobile phone. The transaction is connected to the user’s bank in order to authenticate and to ensure there are enough funds in the account. If everything is as it should be, the money is immediately withdrawn from the cardholder’s account.
The annual fee for your debit card is charged to your account on the first working day of the new calendar year, i.e. at the beginning of January.
If you order a new debit card during the year, you will not be charged the annual fee, but a reduced price that applies for the remainder of the year. The reduced annual fee will be charged the month after you order your card.
Do you have multiple debit cards?
Remember that you need to pay an annual fee for all of the them, including additional cards.
If you no longer need all of them, contact us by chat or telephone on +47 915 04800 and we’ll help you cancel the cards you’re not using. This way you save on costs.
You will find the card’s limit on the price list.
The available balance shows what you have in your account at all times and is always up to date with all transactions in the account, including those that have been reserved.
However, the posted balance is only updated once every 24 hours. If you have used your Visa card, for example in a foreign country, it may take a little longer for the amount to be posted. After posting, the details of the merchant will appear.
It is important that you block your card.
National ID cards were launched on 30 November 2020, which gives our customers a more secure option for proving their identity.
Securely issuing passports and national ID cards is important in order to reach the goal that each person only has one identity in Norway.
This is an important crime prevention measure, and contributes to preventing ID abuse and other serious crime.
Now that your ID card is in place, you will be able to use it as your proof of identity. We will therefore no longer offer debit cards with photo IDs.
The ID you have on your current debit card lasts until the expiry of the card. The expiry date is indicated on the front and/or back. You have until this date to obtain another proof of identity, if you want to.
You’ll find more information and prices on the police website.
Book an appointment with the police, for an ID card (and/or passport).
No, we don’t place any regional blocks on our cards and you will be able use the card wherever you may be in the world.
When you shop using a Visa or Corporate Mastercard online, you may be asked for the CVV2/CVC2 code along with the card number and expiry date on the card.
The code is the last three digits printed on the signature strip on the back of your card.
In the price list, you’ll find the cash machine withdrawal limit and details of the charges.
We would advise you to choose to be charged in the local currency when using the card abroad, even if the merchant asks if you want to pay the amount in Norwegian kroner.
Visa/Mastercard converts the currency amount to Norwegian kroner according to the rate on the day, plus 1.95%. This is because the merchant decides which conversion rate to use for Norwegian kroner, and this is usually more expensive than ours.
Our cardholders are protected with the Verified by Visa and Mastercard SecureCode payment solutions.
These solutions are designed for safer online trading and use your BankID for identification.
You will recognise the BankID image from your online bank login.
In the online bank, you can both reduce your credit limit and apply for an increase.
Reduce credit limit
Applying for a credit increase
Fill in the form.
With eFaktura (eInvoice) you receive the invoice electronically in the online bank. You avoid an invoicing fee of NOK 39 per month and can easily change the amount and approve it in the online bank.
In order to receive eFaktura (eInvoice), you must activate Always eFaktura (eInvoice). You will then automatically get eFaktura (eInvoice) from everyone who offers this.
You always activate eFaktura (eInvoice) in your online bank under Everyday banking and loans – eFaktura (eInvoice).
You will find eFaktura (eInvoice) in the online bank under Everyday banking and loans – Payment summary.
There, the eFaktura (eInvoice) can be opened for more information, and before approval you can change the amount, the debit account and the date.
The minimum monthly amount is 3% of the outstanding balance, a minimum of NOK 200.
If you would like to pay a larger amount, you can change the amount yourself when you receive the invoice.
Then approve the invoice.
You can transfer to the Mastercard when logged in to the online bank or mobile bank.
Transfer to the online bank
Transfer in mobile bank
Tip! In the account summary, you can drag the account you want to pay from and drop it over the Mastercard.
Confirm the transfer.
Super offers are exclusive offers for anyone with a customer loyalty programme at DNB. Every month, we give you a 20-30% discount at well-known shops and online stores.
If you have chosen a due date of the 15th, you will receive a bill for everything you have spent on the card in the preceding month. The bill is produced around 15 days before it is due. If you use the card the day after the bill date, you will get 45 days’ interest-free credit. If you use the card the day before, you’ll get 15 days’ interest-free credit.
With DNB Mastercard, travel insurance is included, when at least 50% of the trip’s travel expenses are prepaid with the card. The insurance covers the entire household or up to three co-travellers.
If you would like to cancel your Mastercard, you can do it in the mobile bank under Cards and Card Details, or by chatting with our robot Aino while logged into the online bank.
To earn SAS EuroBonus points on your Mastercard, you need to be an SAS EuroBonus member.
If you have a Mastercard marked FIRMA, contact us on +47 915 04800 and we will help you get started.
Log in to the online bank, select “Everyday banking and loans” and then “My cards”.
Find the Mastercard you want to upgrade, click on “Shortcuts” and select “Order Mastercard Upgrade”.
Fill in the form.
You start earning points when DNB registers your Mastercard Upgrade, no later than the day following the upgrade.
Earned SAS EuroBonus Extra points are shown on the Mastercard invoice from DNB.
In addition, you will see your total earned SAS EuroBonus points on the SAS EuroBonus member pages and in the SAS app. Here, the points will appear under the name «DNB Rewards».
Welcome points are not received until the first purchase of goods on the card.
Yes, any additional cards connected to the primary card are automatically registered and points are also earned on additional cards. Points earned on additional cards will be credited to the main member’s Mastercard account.
In addition to getting Extra points for all purchases where Mastercard is used in Norway and abroad, when ordering Mastercard SAS EuroBonus you’ll get a number of welcome points.
To cancel Mastercard Upgrade with your EuroBonus agreement, you can log in and start a new chat with an online bank adviser, or call us on +47 915 04800.