# Vipps in Norway: how to pay and split the bill Vipps in Norway: how to get the app with BankID, pay, split the bill, send money, and transfer to the Nordic countries – and avoid fraud. Guide for newcomers. Canonical: https://samfunnprep.no/en/articles/vipps-guide-norge Language: en Publisher: SamfunnPrep Author: Hlib Suslov Published: 2026-07-09T23:12:33.571+00:00 Modified: 2026-10-16T09:17:56.926476+00:00 AI use policy: https://samfunnprep.no/ai-policy.txt ## Key takeaways - Pay with a mobile number Vipps is Norway's most common payment app; over 4 million people use it to send money, split bills and pay in shops. - Requires BankID and bank account To use Vipps you must be 15 years old and have a Norwegian social security number or d-number, bank account, debit card and BankID. - Free in Norway, 4% to the Nordic region Transferring money in Norway is free up to 5,000 kr per person per day; to Sweden, Denmark and Finland it costs 4 percent. Vipps is the most common payment app in Norway. You send and receive money with just a mobile number, split the bill with friends and pay in shops. Over 4 million people in Norway use Vipps. Here's how to get started, and how to avoid fraud. ## What is Vipps? Vipps is an app on your phone for paying and sending money. It is owned by Vipps MobilePay, a company backed by Norwegian banks and Danske Bank. Over **4 million** people in Norway use it, and more than 12 million across the entire Nordic region. With Vipps you can: - send money to a friend using just their mobile number, - split the bill after dinner, - pay in shops and online, - pay a club, association or fundraiser using a **Vipps number**. Norwegians often ask "can you Vipps?". It means "can you pay with Vipps?". The app is part of everyday life here. ## How to get Vipps To use Vipps you must be **15 years or older** and have a few things in place: - a Norwegian **social security number or d-number**, - a Norwegian **mobile number**, - a **Norwegian bank account** and a debit card, - **BankID** to verify who you are, - an email address. Here's how to set up Vipps: 1. Download Vipps from the App Store or Google Play. 2. Enter your mobile number and verify with **BankID**. 3. Add your debit card to the app. 4. Now you can send and receive money. If you don't have BankID yet, you need to arrange that first – see the guide on [getting BankID and digital ID in Norway](https://samfunnprep.no/en/articles/bankid-id-porten-minid). You also need a Norwegian bank account. Children under 15 can only use Vipps if both parents have an active Vipps profile. ## Pay and split the bill Sending money to a private person in Norway is **free** up to **5,000 kroner** to the same person within 24 hours. If you send more than that to the same person, it costs 1 percent. Paying shops, online shops and associations is always free. If you want to split a bill, each person sends their share to whoever paid. You find the recipient using their mobile number. If you send money as a **gift** in the app, it costs a small fee. ## Transfer to abroad After Vipps merged with MobilePay, you can now transfer to **Sweden, Denmark and Finland** just as easily as in Norway. It costs **4 percent** of the amount, and your bank can add a small currency markup. Receiving money is free. Vipps only works in the Nordic region. If you want to send money to a country outside the Nordic region, you need to use a bank transfer or a service designed for that. Read more about [sending money home from Norway](https://samfunnprep.no/en/articles/sende-penger-hjem-fra-norge). ## Vipps to clubs, associations and bills Vipps is not just for friends. You can also: - pay membership fees or training fees to your children's sports club using a **Vipps number**, - give to fundraisers, flea markets and community work, - pay some bills and fixed amounts, - shop in online stores by selecting "Pay with Vipps". Many clubs, associations and small businesses accept Vipps, so it's useful to have for the whole family. ## Beware of fraud Vipps, the police or your bank will **never** ask you to move money to a "safe account" or give codes, PINs or passwords. Scammers call and pretend to be Vipps, your bank or the police, create stress and ask you to transfer money. Then you should hang up. Never share BankID codes or one-time codes with anyone. If you're unsure, hang up and call back to a number you've found yourself. Read more about [BankID fraud and how to protect yourself](https://samfunnprep.no/en/articles/bankid-svindel-norge). Understanding banking, BankID and digital services is part of everyday life in Norway – and part of the civics knowledge you encounter on the [civics exam](https://samfunnprep.no/en/samfunnskunnskapsproven). On SamfunnPrep you can practice for free. Ready to practice? [Try SamfunnPrep for free](https://samfunnprep.no/register). ## FAQ ### How do I get Vipps in Norway? You must be 15 years or older and have a Norwegian social security number or d-number, a Norwegian mobile number, a Norwegian bank account with a debit card, BankID and an email address. Download the app and log in with BankID. ### Is it free to send money to friends via Vipps? Yes, sending money to a private person in Norway is free up to 5,000 kroner to the same person within 24 hours. Above this it costs 1 percent. Paying shops and associations is always free. ### Can I transfer money abroad with Vipps? You can transfer to Sweden, Denmark and Finland after the merger with MobilePay. It costs 4 percent plus a possible currency markup from your bank. Vipps doesn't work outside the Nordic region; then you need to use a bank transfer. ### Can children use Vipps? You normally need to be 15 years old to use Vipps yourself. Children under 15 can only use the app if both parents have an active Vipps profile. ### How do I avoid fraud with Vipps? Vipps, your bank and the police will never ask you to move money to a "safe account" or provide codes and passwords. Never share BankID codes. If you're unsure, hang up and call back to a number you've found yourself. ## Sources - [Hva trenger jeg for å bruke Vipps?](https://help.vippsmobilepay.com/en-NO/articles/what-do-i-need) - [Send og motta penger](https://vipps.no/sende-penger) - [Koster det noe å vippse til utlandet?](https://help.vippsmobilepay.com/nb-NO/articles/does-it-cost-anything-to-send-money-abroad) - [Sikkerhet i Vipps](https://vipps.no/sikkerhet) Citation: Hlib Suslov, "Vipps in Norway: how to pay and split the bill", SamfunnPrep, 2026-07-09T23:12:33.571+00:00, https://samfunnprep.no/en/articles/vipps-guide-norge