Contactless payment

Yes, the card has a PIN, but this is not needed when making contactless payment for small amounts. When buying goods/services over NOK 500 in Norway, you will be asked to enter your PIN for contactless use.

The card also has a chip and magnetic stripes as normal, and also contains an antenna that makes contactless payments possible.

In Norway:
The card is activated when it is used for the first time in a chip and pin terminal. Hold the card up to the terminal – you’ll then be asked to insert it and enter your PIN. The card will then be ready for contactless payment.

Abroad:
Contactless functionality is activated by inserting the card into the terminal and entering your PIN (when making a normal payment). - The first use of chip and PIN activates contactless functionality, even if you do not use the contactless part of the terminal

Yes, as normal. The card has the card number and CVV2/CVC2 code.

Do I risk paying for another customer’s products if I’m too close to a terminal?

No, in that case you would need to hold the card against the terminal that the other customer was going to use. You also have to hold the card 4 cm or closer to the terminal in order for the transaction to go through.

The security of the payment itself is just as good. The customer is also subject to very good consumer protection for contactless payments.

For extra security, you will sometimes be asked to insert the card in the payment terminal and enter the PIN.

Each country has an agreed maximum amount per payment. The limit for individual purchases in Norway is NOK 500 and the maximum accumulated amount is NOK 700. Abroad, there are limits (for example, £25 in the UK.)

Yes, most card products will be upgraded with this functionality. The new contactless card will normally be sent to you when the existing card expires.

There is no special price, either to get one or to use one.

It can be for both, and may vary from country to country. In Norway, it will probably mostly be offline transactions on small amounts under Visa contactless, while BankAxept contactless takes place online.