Europe Payment
Payments in Europe from 0 kroner
Usually in the recipient's account the next day
We offer two types of products for outgoing payments in Europe: SEPA payments and Europe payments.
These are cost-effective solutions for payments from DNB accounts in Norway to abroad.
When you register a payment to Europe in the mobile bank, you will automatically receive the correct payment option and price. However, it can still be useful to know the difference between the two types.
European payments
The requirements for European payments in DNB are the same as for SEPA, except that the payment does not need to be in euros. The following requirements apply to this type of payment:
Currency: The payment must be in the recipient bank's local currency.
- Examples: DKK for Denmark, GBP for the United Kingdom, PLN for Poland.
Account number: Must be provided as IBAN.
Recipient bank: Must be a European bank identified with a BIC code.
- Payments can be made to all European nations.
- Payments to countries subject to sanctions will not be possible.
Cost allocation: Must be shared between sender and recipient.
See price list here: Price list for European payments
See deadlines for submission and processing times here: Submission deadlines, valuation and carry-forward periods
SEPA payments
A SEPA payment is a standardised euro payment within Europe, established by the EU/EEA and the European Payments Council to make transfers as simple and efficient as domestic payments. From one August 2025, SEPA payments will be free of charge at DNB.
For a payment to be registered as a SEPA payment, it must meet the following formal requirements:
Currency: The payment must be in euros (EUR). Account number: Must be provided as IBAN (International Bank Account Number).
Example of Norwegian IBAN: NO49 7001 XXXX XXX.
IBAN always begins with the recipient bank's country code and is followed by numbers, often grouped in fours.
More information about IBAN can be found here: Find your IBAN
Recipient bank: Must be part of SEPA and identified with a BIC code (Bank Identifier Code).
This applies to most banks in the EU/EEA, EEA (Iceland, Liechtenstein and Norway), as well as Switzerland, the United Kingdom, Andorra, Monaco, San Marino and the Vatican City.
Example: DNB's BIC code is DNBANOKKXXX.
Cost allocation: Must be shared between sender and recipient.
Tips
When you enter the recipient's IBAN in the mobile banking app, the corresponding BIC code will be added to the payment automatically.