Compare Business Banking in Norway

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16 live offers compared from 16 providers, from kr0 /mnd. Updated daily.

What is business banking in Norway?

Business banking (bedriftsbank) provides the accounts and payment tools a company needs: a business current account, card, invoicing and payment services, and often lending and multi-currency options. Norwegian businesses, from sole traders (enkeltpersonforetak) to limited companies (aksjeselskap), use these accounts to receive customer payments, pay suppliers and staff, and manage VAT (merverdiavgift) and tax. Digital-first providers increasingly compete with traditional banks on price and features.

How the Norwegian market works

Business accounts are offered by the big banks, by fintech challengers and by international payment firms. Traditional banks such as DNB and Handelsbanken bundle accounts with lending, card acquiring and advisory services. Digital players like Lunar and cross-border specialists like Wise and Airwallex focus on low-cost payments, multi-currency accounts and fast onboarding, which suits import-export and online businesses. Pricing ranges from free basic accounts to monthly packages, and businesses verify with BankID and company registration in Brønnøysundregistrene.

Benefits

Separation of finances — A dedicated business account keeps company money distinct for accounting and tax.

Payment tools — Cards, invoicing, direct debit and integration with accounting software.

Multi-currency — Cross-border providers let importers and exporters hold and pay in several currencies cheaply.

Access to credit — Overdrafts, business loans and card acquiring from full-service banks.

How to choose

Match the account to your business. A domestic service company may want a full-service bank with lending and advice; an online or import-export business benefits from a low-cost multi-currency provider. Compare monthly fees, per-transaction and payment charges, foreign-exchange margins, and integration with your accounting system. Check whether you need card acquiring, overdrafts or credit, and how quickly you can onboard and get support.

Leading providers in Norway

DNB is the largest business bank with a full product range, and Handelsbanken serves companies with a relationship model. SpareBank 1 banks serve regional businesses. Digital challenger Lunar offers app-based business accounts, while Wise Business and Airwallex specialise in low-cost international payments and multi-currency accounts. Komplett also offers business banking services.

What it costs

Costs range from free basic accounts up to monthly packages of around 250 NOK or more for fuller feature sets. On top you may pay per-transaction fees, card-acquiring charges and foreign-exchange margins on cross-border payments. Multi-currency fintech providers typically charge low, transparent fees on international transfers, while full-service banks price for lending and advisory relationships. Compare the total cost against the services your business actually uses.

Protections and regulation

Banks and payment institutions are authorised and supervised by Finanstilsynet or their EU home regulator. Deposits held with a bank are covered by the NOK 2 million guarantee per depositor, while e-money and payment-institution balances are safeguarded but not deposit-guaranteed. Anti-money-laundering rules require company verification, and disputes can go to Finansklagenemnda.

Common questions

Do sole traders need a business account? A separate account is strongly advisable for accounting and tax, and required in practice for a limited company.

Are fintech business accounts safe? Regulated providers safeguard funds, though e-money balances are not covered by the bank deposit guarantee.

What suits an import-export firm? A multi-currency provider like Wise or Airwallex usually offers the cheapest cross-border payments.

Business Banking in Norway — FAQ