Help with international payments
Sending and receiving international payments? Here you’ll find all you need to know
Many people have questions about
IBAN
IBAN stands for International Bank Account Number and is an international standard for account numbers.
What to do:
You can find the IBAN on your bank statement or by using the IBAN calculator.
BIC/SWIFT
BIC stands for Bank Identifier Code and is the code that identifies the bank. BIC is also called SWIFT, and is required when making payments to a number of countries, and always when using IBAN.
BIC/SWIFT addresses consist of 8 or 11 characters
DNB’s BIC (SWIFT) address is DNBANOKKXXX
Explanation video
How to receive payments from abroad (0:59 mins, Norwegian)
If you want to receive money from abroad, or a different currency from someone else in Norway, you’ll need to give this to the sender:
Prices:
See summary of prices here. There may be additional costs from the foreign bank.
Payment deadlines:
Here you’ll find information about submission deadlines, valuation and delivery times:
You’ll need the following in order make an international payment:
The recipient’s name and address:
Avoid return of payment requests. It’s important that the recipient’s name and address are entered fully and correctly. You may need to use the first address line for the rest of the name. The first two address lines are compulsory
User’s IBAN and account number:
The IBAN is required for payments to Europe and some countries outside of Europe.
See which countries this applies toRecipient bank’s BIC/SWIFT address:
BIC/SWIFT addresses consist of 8 or 11 characters
Currency you wish to pay in and amount:
Are you missing any of this information?
Get in touch with the recipient.
Is the amount over NOK 100 000?
You may also need to give information to the Currency Register. The authorities require information about international transactions that exceed NOK 100 000. This is to help prevent money laundering.
How to report to the authorities
If you want to complain about an international payment you have made you can easily do this from the internet bank. The payment must be posted before you can raise your complaint.
How to submit a complaint about an international payment (1:59 mins, Norwegian)
How to do it:
Click the menu option ‘Payments’ and select ‘Payment overview’, then ‘History’
Search for the relevant payment and click on details
Select ‘Complaint’ at the bottom of the page and read through the information
Select the reason for the complaint and give a short description of the case before you continue and submit your complaint
Note: Does not apply to today’s transactions. If you wish to complain about payments made today, you’ll need to contact us on 915 04800.
Check with the sender if they’ve entered the correct details
To receive money from abroad, the send will need:
- Your name and address;
- Your IBAN
- Our BIC/SWIFT which is DNBANOKKXXX;
- Currency type and amount;
Insufficient information is often the reason for a returned payment. This is how to fix it:
Checklist:
- Have you received the correct details from the recipient?
- Is the recipient account still in use?
- Was the information entered correctly when you were sending the payment?
- Did you select the right currency?
- Check if there’s any information in the return message. You’ll find the credit request by going to inbox/archive in the internet bank.
Check with the recipient and then enter a new payment in the online bank
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International payments in 3 simple steps
To make an international payment you need the following details:
- The recipient’s account number. The IBAN is required for payments to Europe and some countries outside of Europe.
See which countries use IBAN - Recipient bank’s BIC/SWIFT address
- The recipient’s name and address;
- Currency you wish to pay in
- The recipient’s account number. The IBAN is required for payments to Europe and some countries outside of Europe.
Sending an amount over NOK 100 000?
The authorities require information about international transactions that exceed NOK 100 000. This is to help prevent money laundering.
Exchange amount and price:
Currency prices that are shown when the payment is registered are a provisional calculation of the price. The price is constantly fluctuating, and the actual price is set when the payment is posted.
Currency converter:
Provision rate relates to DNB’s currency converter which is updated once every banking day at 9:00 am.
Fee from recipient’s bank:
Please note that, as a rule, the recipient bank charges a fee for receiving international payments. Get in touch with the recipient.
Price and fees:
How to do it:
Click on ‘Payments’ in the main menu and then ‘International payments’
European payments (SEPA):
- Used for payments in EUR or the recipient country’s currency to European countries. You can use SEPA payments to these countries
- Used for other European currencies to Europe
- See explanation video below
Other payments:
- Used for countries outside of Europe
- Used for Europe when SEPA payments cannot be used (e.g. USD or other non-European currencies)
Enter the recipient’s IBAN/account number, name and address, and a message to the recipient. Information about the recipient’s bank is automatically filled out after you’ve entered the IBAN.
How to register an EU payment (3:06 mins, Norwegian)
Tips
We recommend that you always pay in the currency of the recipient country
Receive payment from abroad
Your name, address and IBAN
You can find the IBAN on your bank statement or by using the IBAN calculatorOur BIC/SWIFT
DNB’s BIC (SWIFT) address is DNBANOKKXXXCurrency type and amount;
The rate is constantly fluctuating, and the actual rate will be set when the payment is posted
Use the currency converterThe bank’s address
If you are asked to provide an address you can use: DNB Bank ASA, Dronning Eufemias Gate 30 191 Oslo
How to receive payments from abroad (0:59 mins, Norwegian)
Checklist:
Make sure the payer has used the correct payment information. See the item above “What you need to provide the sender with”.
The rate used for a payment request will depend on the time and date at which the exchange takes place.
Pay to
The US has not introduced IBAN. You must therefore provide the recipient’s normal bank account number.
The bank account number has no limit to the number of digits.
Payment to bank accounts in the US must have the bank code or BIC – not both. You’ll find the Bank code field by clicking on the Other payments tabl.
USD to the US: In addition to the recipient’s account, you must provide the national bank code (Fedwire or ABA number).
The bank code is called the ABA routing no./ FedWire., and is often stated on invoices as: FW+ 9 digits. The bank code can be stated as just 9 digits in the online bank.
Other currencies to the US: In addition to the recipient’s account number, the BIC (SWIFT address) must also be given instead of the bank code.
You’ll normally find the BIC on the invoice or letter from the foreign payment recipient. BIC has 8 or 11 characters. If you don’t have the recipient bank’s BIC, you’ll need to get in touch with the recipient to get this information
Provisional price relates to DNB’s currency calculator which is updated once every banking day at 9:00 a.m. The price is fluctuating all the time and you will not see the actual price until the payment is exchanged and executed.
Canada has not introduced IBAN. You must therefore provide the recipient’s normal bank account number.
Bank account numbers contain 7 to 12 characters.
NB! Canada has introduced requirements for the full name and physical address of the recipient. It is therefore important that you fill in these fields.
In addition to the recipient’s account, you’ll also need both the recipient bank’s BIC (SWIFT address) and national bank code.
Canada uses a 9-digit bank code.
The bank code is called the Bank Identifier/Transit no. and is often stated on invoices as CC+ 9 digits. The bank code can be stated as just 9 digits in the online bank.
If you’ve been given this on an invoice, enter it into the bank code field after you’ve selected the country for the recipient bank. You’ll find the Bank code field by clicking on the Other payments tabl.
Provisional price relates to DNB’s currency calculator which is updated once every banking day at 9:00 a.m. The price is fluctuating all the time and you will not see the actual price until the payment is exchanged and executed.
Australia has not introduced IBAN. You must therefore provide the recipient’s normal bank account number.
Bank account number - no check of the number of digits in the recipient’s bank account.
In addition to the recipient’s account, you’ll also need both the recipient bank’s BIC (SWIFT address) and national bank code.
Australia has a 6-digit bank code (on invoices this is often stated as the BSB number).
BSB (Bank State Branch) and is often stated on invoices as: AU+ 6 digits. The bank code can be stated as just 6 digits in the internet bank.
If you’ve been given this on an invoice, enter it into the bank code field after you’ve selected the country for the recipient bank.
You’ll find the Bank code field by clicking on the Other payments tabl.
Provisional price relates to DNB’s currency calculator which is updated once every banking day at 9:00 a.m. The price is fluctuating all the time and you will not see the actual price until the payment is exchanged and executed.
South Africa has not introduced IBAN. You must therefore provide the recipient’s normal bank account number.
Bank account number - no check of the number of digits in the recipient’s bank account.
In addition to the recipient’s account, you’ll also need both the recipient bank’s BIC (SWIFT address) and national bank code.
The bank code is stated as ZA + 6 digits on invoices.
If you’ve been given this on an invoice, enter it into the bank code field after you’ve selected the country for the recipient bank.
You’ll find the Bank code field by clicking on the Other payments tabl.
Provisional price relates to DNB’s currency calculator which is updated once every banking day at 9:00 a.m. The price is fluctuating all the time and you will not see the actual price until the payment is exchanged and executed.
India has not introduced IBAN. You must therefore provide the recipient’s normal bank account number.
The bank account number has no limit to the number of digits. Payments to India require an account number and SWIFT code of 8 or 11 characters.
For payments to India in INR, the branch code should also be stated as part of the bank address, i.e. IFCS (under INR 100 000) or RTGS (from INR 200 000). Four letters and seven numbers.
Tracking individual international payments
Individual international payments made with SWIFT can now be tracked in the same way you track products bought online.
You will find the link to tracking information at the bottom of the payment receipt. To to Payments – Completed payments and then the details of the payment you wish to track.
By following this, you will see details of where the payment is located, how long each bank has taken to process it and the fees that have been incurred along the way.
Tracking is only available for other international payments from Norwegian DNB accounts. It is therefore not possible to track EU payments, cheques or financial payments.
Please be aware that all intermediary banks must confirm receipt of the payment to the SWIFT system so the payment can be tracked all the way through to the beneficiary bank.
In order to track the payment to the beneficiary bank, all intermediary banks must confirm receipt to the SWIFT system. If this is not done, the payment cannot be tracked any further.
If the payment is not received, we recommend that the beneficiary contact their bank for more information. A screenshot of the tracker can be attached.
If the payment is not received, we recommend that the beneficiary contact their bank for more information. A screenshot of the tracker can be attached.
If you wish to recall the payment, this can be done when logged in to the online bank, on the same receipt page where the tracker is found. Please note that recalling a payment is a chargeable service. See price list
Note: For payments to Asia, it takes longer for the beneficiary to receive the money in their account. This is because the banks in Asia are often closed when we send from Europe, and so the money is not credited to the beneficiary until the following day.
Questions and answers
For amounts over NOK 100 000 (in foreign currency or NOK), the Currency Register Act requires information about what the amount is for. This is reported with a payment type code.
- In the online bank, the payment type codes are made available via a dropdown list
- In addition to the payment type code, you must briefly state what the transfer is for
More information about the Act and payment codes can be found on the following websites:
DNB takes no responsibility for any errors in the lists. Nor does the bank take any responsibility for any form of damage/loss that may occur as a result of using this information.
International public holidays 2025 (PDF, Norwegian)Open the file in a new tab
The following must be provided when paying in RUB:
The requirements for sending rubles apply not only to Russia, but also to any recipient country.
If numbers 6, 7 and 8 in the recipient’s account number are 810, it means that the account is an RUB account.
In addition to the beneficiary’s full name and address, the INN number must be given when paying taxes and fees to Russian authorities. It is recommended that the INN be used for other payments if this number is stated on the invoice to be paid. This is a unique Identification Number of the Tax Payer; 10 digits for corporations and 12 digits for private customers.
You must also provide the BIK (9-digit bank code to the bank in Russia that starts with 04) + the account number that the recipient’s bank has in the Russian national bank. This account number is 20 digits long and starts with 30101. In addition, we need the BIC (SWIFT address) of the recipient’s bank + the bank’s full name and city.
You must also provide the VO code (VO+5 digits) + text in English stating what the payment is for. These details are registered in the reference field (message to recipient).
The VO code is a reporting code that states what the payment is for.
The payment must be made as follows:
Recipient’s account number: 4xxxx810xxxxxxxxxxxx
Beneficiary’s name: Full name and address + INN number (if applicable)
Message to beneficiary: VO code + text in English stating what the payment is for
BIC of beneficiary’s bank: For example SABRRUMM
In the “Name Address Beneficiary’s bank” field, enter the following: //RUxxxxxxxxx.30101xxxxxxxxxxxxxxx + the bank’s name and city (That which is registered after RU is the 9-digit BIK code, so the recipient bank’s account number in the Russian national bank).
See also
Payments
Find answers to your questions about incoming payments, files and payment solutions
Corporate card
Forgotten PIN? Here you’ll find answers to questions about corporate cards
Corporate online bank
Useful tips and tricks to get the most out of the corporate online bank
Accounts
What you need to know about access, vouchers/archive, opening and closing accounts
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