Questions about cross-border payments

What are the cut-off times for submitting cross-border payments and what are the prices?

Cut-off times and prices for payments from accounts in DNB Norway

Cut-off times and prices for payments to accounts in DNB Norway

Why was the exchange rate applied to the payment different from the one that was specified?

The amount and exchange rate are just preliminary calculations to make it easier for you to see if you have registered the amount correctly.

The payment is exchanged to the relevant currency at the then prevailing exchange rate (market rate) when it is processed in the bank’s systems.

What is invoice currency?

Invoice currency is the currency in which the amount you are supposed to pay is specified in the invoice.

When you register a payment from an account held in Norway in the online banking service, click on the drop-down list to the right of the invoice currency box to select the currency.

The drop down list contains all the currencies in which DNB can send payments.

What is transfer currency?

Transfer currency is the currency in which the funds are transferred to the payee.

You only have to specify the transfer currency if it is different from the invoice currency. When you register a payment in DNB Connect, simply click on the drop down menu to the right of the transfer currency box to select the currency in question.

If a payment involves a currency exchange, this will be done at the then prevailing market rate when the payment is executed.

What is IBAN and BIC?

IBAN (International Bank Account Number) is the international standard for bank account numbers. You'll find your IBAN on your bank statement or you can find your IBAN here.

BIC (Bank Identifier Code) is the receiving bank’s electronic address and was previously known as the bank’s SWIFT address. DNB’s BIC/SWIFT address is: DNBANOKKXXX

How do I find the payee's IBAN and BIC?

The IBAN and the receiving bank’s BIC address will normally be specified in the invoice or letter from the payee. If not, you can contact the payee and ask. DNB has prepared standard letters and e-mails in a number of languages that you can use to get this information:


How do I make a cross-border payment through the online banking service?

Select Payment and International.

Select the payment service that meets your needs: ’Europe payment’, Other payments’ or Check.

Fill in the mandatory fields for the service you have selected. Select "Register and approve payment."

See our demo for international payments. If you need help, you can contact Corporate Customer Service on telephone (+47 915) 04800. We are open 24 hours a day, every day.

What is the difference between the different cross-border payment services?

Europe payment: meets all the EU’s requirements for automated processing all the way to the payee. This type of payment can only be sent to certain countries and in certain currencies.

Other payment: To all countries and in all currencies *

Cheque: Can be used when you do not know the payee’s account number, provided that you do know the payee’s full name and address.

The IBAN and BIC are very important for payments to EU/EEA countries. The receiving bank’s BIC is important for payments to other countries (that have not introduced IBANs). In payments to some countries, e.g. the USA you need to use a national clearing code (US: Fedwire or ABA).

How do I find the IBANs for my accounts?

Your IBAN is specified at the top of your bank statement. You can also use our IBAN calculator to find it simply and free of charge.


When should I use IBAN and BIC?

When you send a payment to a country that has introduced IBANs you should enter the payee’s IBAN and the receiving bank’s BIC to avoid unnecessary delay.

Here you can find a list of the countries that have introduced IBANs and examples of what an IBAN looks like.

How do I send payments to the USA?

The USA has not introduced IBANs.

When sending a payment to the USA you should therefore specify the national clearing code (ABA number or FedWire) in addition to the payee’s account number in the U.S. and the receiving bank’s BIC.
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