# Paying Bills in Norway: eFaktura and AvtaleGiro

How to pay bills in Norway: KID number, eFaktura and AvtaleGiro explained simply — plus how to pay paper bills and what debt collection costs.

Canonical: https://samfunnprep.no/en/articles/betale-regninger-efaktura-avtalegiro-norge
Language: en
Publisher: SamfunnPrep
Author: Hlib Suslov
Published: 2026-07-11T10:25:09.931+00:00
Modified: 2026-10-13T08:20:28.343427+00:00
AI use policy: https://samfunnprep.no/ai-policy.txt

## Key takeaways

- Three ways to pay You pay bills in your online bank with eFaktura, AvtaleGiro, or manual payment. All use the KID number to link the money to the correct invoice.
- KID links payment to bill The KID number is the string of numbers on the bill that shows which invoice you're paying. If you enter the wrong KID, your online bank will tell you before the payment goes through.
- Pay on time, avoid fees Late payment can cost a reminder fee of kr 38, a payment order of kr 113, a collection fee of kr 750, and 12.00 percent default interest (2026). AvtaleGiro prevents you from forgetting due dates.

Paying bills in Norway is easy once you know the three methods: eFaktura, AvtaleGiro, and manual payment. Everything usually happens in your online bank, and every bill has a KID number that links the payment to the correct invoice. Here you get a safe overview from your first week.

## How you pay bills in Norway

When you need to **pay bills in Norway**, you usually do it in **online banking** — the bank's website or mobile app where you manage your account. Most bills arrive digitally, and you rarely need to go to the bank.

You have three main ways to pay: **eFaktura**, **AvtaleGiro**, and **manual payment**. All three use a **KID number** to link the money to the correct bill. If you want a broader introduction, read about [personal finance in Norway](https://samfunnprep.no/en/articles/personlig-okonomi-norge).

To use online banking you need a Norwegian bank account and **BankID** to log in safely. If you don't have an account yet, see how to [open a bank account in Norway](https://samfunnprep.no/en/articles/apne-bankkonto-norge). Then you are ready to pay bills in Norway on your own.

## What bills do you get in Norway?

As someone new to Norway, you face some fixed expenses each month. The most common are **rent**, **electricity** (power), **internet and mobile**, and often **insurance**. If you have children in preschool or after-school care, those bills also come monthly.

Some bills have fixed amounts, like rent. Others vary, like electricity, where you pay for how much you use. It's smart to set fixed bills to AvtaleGiro and variable ones to eFaktura, so you stay on top of things.

## What is a KID number?

A **KID number** (customer identification) is a string of numbers on the bill that tells the recipient which invoice you are paying. Without the correct KID, the payment can be delayed or end up in the wrong place.

You find the KID number at the bottom of the bill, next to the account number and amount. When you pay, you enter the KID exactly as it appears. Your online bank will tell you if the number doesn't match, so you don't pay wrong.

If the bill has a KID number, you don't need to write any message to the recipient. The KID does everything itself: it shows who you are and which bill the money goes to.

## eFaktura, AvtaleGiro or manual payment?

**eFaktura** means the bill arrives already filled out in your online bank. You only need to check the amount and approve it before the due date — the date by which the bill must be paid. **AvtaleGiro** means the bank automatically withdraws the amount on the due date, without you doing anything.

An eFaktura usually appears in your online bank a few days before it's due, often about a week in advance. Then you get a notification and can approve it when it suits you. With **AvtaleGiro** you can set a limit, so unusually large amounts must be manually approved before they are withdrawn.

To start using **eFaktura** you say 'yes thank you to eFaktura' in your online bank or at the place you are paying, for example the power company. Many banks have an option called 'Yes thank you to all', so new eFakturas come automatically from all companies you pay. Always check that the amount is correct before you approve.

Many also use **Vipps** for bills. **Vipps eFaktura** and **Vipps invoice** let you pay directly in the Vipps app on your phone, the same way as in online banking.

Here's how you choose the right method:

- **eFaktura** — you want control and to approve yourself. Good for bills where the amount varies, like electricity and phone.
- **AvtaleGiro** — you want to avoid remembering due dates. Good for fixed bills like rent and insurance.
- **Manual payment** — you get a paper bill or an invoice without an eFaktura agreement, and you enter it yourself.

| Method | Who pays | Approval | Good for |
| --- | --- | --- | --- |
| eFaktura | You, in online bank or Vipps | You approve each time | Bills that vary |
| AvtaleGiro | The bank, automatically | None, or amount limit | Fixed bills |
| Manual payment | You enter yourself | You approve each time | Paper bills and one-time bills |

You can certainly combine the methods. Many say yes to both 'eFaktura' and 'AvtaleGiro' at the same time: the bill appears in your online bank, but is automatically withdrawn if you do nothing.

## How do you manually pay a paper bill?

If you get a bill on paper, you pay it in your online bank under 'New payment' or 'Pay'. Enter the **account number** of the recipient, the **KID number**, the **amount**, and choose the **due date**. A Norwegian account number has eleven digits.

If the bill is missing the KID, write the invoice number or your name in the message field instead. You might as well enter the payment right away, with the due date in the future. Then the money is withdrawn on the right day, even if you're busy just then.

## What does it cost to forget a bill?

If you pay late, the bill becomes more expensive — but the amounts are fixed and determined by the state. First you can get a **reminder fee** (notice) or a **debt collection notice** of **kr 38**. If a **payment order** comes, it costs **kr 113** (rates effective from January 1, 2026).

If the case goes to debt collection, a collection fee is added. The **debt collection rate** is **kr 750** in 2026, and on top of that runs **default interest** — **12.00 percent** per year in the first half of 2026. Therefore it always pays to pay on time.

If you receive a claim you think is wrong, you can complain — read more about [debt collection in Norway](https://samfunnprep.no/en/articles/inkasso-norge). An unpaid bill can also lead to a [payment mark with serious consequences](https://samfunnprep.no/en/articles/betalingsanmerkning-konsekvenser) for loans, mobile subscriptions, and renting housing.

## Get started safely in your first week

Set up **AvtaleGiro** for fixed bills like rent and electricity, and **eFaktura** for the rest. Then you rarely forget a due date. Check your online bank at least once a week at first, so you catch new bills.

**SamfunnPrep** has a [first week checklist](https://samfunnprep.no/en/verktoy/forste-uke) that gathers the most important steps — bank account, BankID, and bills — in one place. If you need help with logging in, see the guide about [BankID, ID-porten and MinID](https://samfunnprep.no/en/articles/bankid-id-porten-minid).

Understanding how money, bills, and the public system work is part of the citizenship test — practice free on [SamfunnPrep](https://samfunnprep.no/register).

## FAQ

### What is the difference between eFaktura and AvtaleGiro?

With eFaktura the bill arrives already filled out in your online bank, and you approve it yourself before it's due. With AvtaleGiro the bank automatically withdraws the amount on the due date, without you doing anything.

### What do I do if the bill is missing a KID number?

Then you write the invoice number or your name in the message field when you pay in your online bank. If the bill has a KID, you enter it instead, and you don't need a message.

### When does an eFaktura appear in your online bank?

An eFaktura usually appears a few days before the due date, often about a week in advance. You get a notification and can approve the payment when it suits you, as long as it's before the due date.

### Can I pay bills with Vipps?

Yes. With Vipps eFaktura and Vipps invoice you can pay bills directly in the Vipps app on your phone, the same way as in online banking.

### What does it cost to pay a bill late?

You can get a reminder fee or debt collection notice of kr 38 and a payment order of kr 113 (rates from January 1, 2026). If the case goes to debt collection, a collection fee of kr 750 and default interest of 12.00 percent per year is added.

## Sources

- [Oversikt over utenrettslige inndrivingskostnader](https://www.finanstilsynet.no/forbrukerinformasjon/inkassovirksomhet/oversikt-over-utenrettslige-inndrivingskostnader/)
- [Forsinkelsesrente og standardkompensasjon for inndrivelseskostnader fra 1. januar 2026](https://www.finanstilsynet.no/nyhetsarkiv/nyheter/2025/forsinkelsesrente-og-standardkompensasjon-for-inndrivelseskostnader-fra-1.-januar-2026)
- [Regninger og betaling](https://www.forbrukerradet.no/)

Citation: Hlib Suslov, "Paying Bills in Norway: eFaktura and AvtaleGiro", SamfunnPrep, 2026-07-11T10:25:09.931+00:00, https://samfunnprep.no/en/articles/betale-regninger-efaktura-avtalegiro-norge