Help with cards
This is where you’ll find answers to frequently asked questions and other useful tips on cards and PIN codes.
Many people have questions about
Block cards in the online bank
Log in using the link below.
Find the card you want to block, click on “Shortcuts” and select “Block cards”.
Confirm by clicking on “Block cards”.
Block cards in the mobile bank
Go to “Me” and select “Cards”.
Click on the card you want to block.
Confirm by pressing the button to the right of Block cards.
Block cards
If your card is lost, it must be blocked immediately.
You can block and replace your card in the online or mobile banking app. Alternatively, you can start a chat with us, or call us on +47 915 04800.
Unblock a blocked card in the online bank
Log in using the link below.
Find the card you want to open, click on “Shortcuts” and select “Unblock card”.
Confirm by clicking on “Unblock card”.
Unblock a blocked card in the mobile banking app
Go to “Me” and select “Cards”.
Click on the card you want to unblock.
Click the button to the right of Block cards.
Unblock a blocked card
If you have found your card, you can unblock it in the online bank or mobile banking app.
Please note that it is not possible to unblock a card that has been block due to a theft or complaint. If you have already ordered a new card, it is not possible to remove the block.
You can block or unblock your card in the online bank or mobile banking app.
If you have renewed your card, you can see the status of your order in the mobile banking app.
Click on “Me” ➡ “Card” and select the relevant card.
Your card is valid until the last day of the expiry month stated on the card.
For example, an expiry date of 08/22 means you can use the card until 31.08.22 inclusive.
We will automatically send out a new card well in advance of this date, and you should have received the card at least 30 days before.
If you haven’t received your card in time, you can log in to the online bank and start a new chat, and an adviser will help you.
If you have ordered a new debit card yourself, you will normally receive the card within one to two weeks. You can use your old card until you start using the new one.
Replace existing cards in the online bank
Log in using the link below.
Find the card you want to replace.
Click on “Shortcuts” and select replace card.
Read the information and confirm by clicking “Replace card”.
You will normally receive a new debit card within a week.
You can use your old card until you start using the new one. You keep the same PIN code.
Order a new card in the online bank
Go to “Everyday banking and loans” and select “Order card”.
Choose what you want to order from the list.
Follow the steps and confirm the order.
Order or replace cards in the online bank
Replace cards in the mobile banking app
Log in to the mobile banking app.
Go to “Me”, select “Cards” and press “Order new card”.
Find the card you want to replace, click “Shortcuts” and select “Replace card”.
Read the information and confirm by clicking "Replace card".
You will normally receive a new debit card within a week.
You can use your old card until you start using the new one. You keep the same PIN code.
You can replace your card in the online bank or mobile banking app.
In the online bank you can also order an extra debit card or a debit card for an account you haven’t had a card for before.
If your card expires soon, you do not need to do anything. We automatically send a new card in the post well in advance of the expiry date.
View PIN in online bank
Log in using the link below.
Select the card you want to show the PIN code for.
Fill in the requested information and confirm with BankID.
The PIN code is shown for 30 seconds.
View PIN in mobile bank
Log in to the mobile banking app.
Go to “Me”, select “Cards”, and click “Show PIN code for card”.
Find the card you want to show the PIN code for, press “Shortcuts” and select “Show PIN code”.
Fill in the requested information and confirm with BankID.
The PIN code is shown for 30 seconds.
The card’s PIN can be found in the child’s online bank by going to Everyday banking and loans – Show PIN.
Don’t have access to the online bank? Call us on +47 915 04800 or log in and start a new chat in the online bank, and we’ll provide further assistance.
You’ll find your PIN code logged in to the online bank or mobile bank.
If your debit card has been blocked because you have entered your PIN code four times incorrectly, you must wait at least 24 hours before you try to use your card again.
If you have had your Mastercard temporarily blocked due to entering the wrong PIN code, you must contact us.
Make an additional payment on your Mastercard in the online bank
Go to “Everyday banking and loans” and select “My loans and credit cards”.
Click on the cogwheel next to your Mastercard and choose “Extra payment”.
Enter the desired amount and confirm the transfer.
Make an additional payment on your Mastercard in the mobile bank
Log in to the mobile banking app.
Tap on your Mastercard in the account summary.
Tap “Additional payment”.
Enter the desired amount and confirm the transfer.
You can make an additional payment on your Mastercard when you’re logged in to the online bank or mobile bank.
If you have an unknown transaction on your card, it is important that you block the card first. You can block your card yourself in the online bank or mobile banking app or by calling us on +47 915 04800.
You’ll then need to raise a complaint about the unknown transaction. You do this by filling out the claim form in your online bank.
Check that the amount you’re claiming is posted (not reserved) in your account.
Log in using the link below.
Go to “Everyday banking and loans” and “My cards”.
Click on “Start complaint or see status” and then “I want to start a new card complaint”.
Follow the steps.
The complaints department will contact you as soon as they’ve started processing your case.
Contactless card payments have become the dominant payment method for Norwegian consumers in physical stores, and we understand that some people also want to use contactless payment on their mobile.
Today we offer Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay.
Many people are wondering why we have chosen not to offer Apple Pay. Read more about why.
When you shop using a Visa or Corporate Mastercard online, you may be asked for the CVV2/CVC2 code along with the card number and expiry date on the card.
The code is the last three digits printed on the signature strip on the back of your card.
This is how you do it
Hold the card near the payment terminal.
Insert the card in the terminal.
Enter PIN code.
You can now use your card for contactless payments.
As an account holder, you must first register the account signatory on the account.
- Log in to the online bank.
- Go to Everyday banking and loans.
- Click on Account signatories.
- Select the account which the account signatory will have access to.
- Click New account signatory.
- Follow the steps.
When the account signatory is registered, you can order cards for the account signatory. The account signatory can also order the card themselves by logging in to their own online bank.
- Go to Everyday banking and loans.
- Select Order card.
- Click on Order new/additional debit card.
The card agreement is then sent to both parties for electronic signing in the online bank.
If both have BankID, the agreement is sent by regular post.
If your debit card has been blocked because you have entered your PIN code four times incorrectly, you must wait at least 24 hours before you try to use your card again.
If you have had your Mastercard temporarily blocked due to entering the wrong PIN code, you must contact us.
If you are not sure whether you remember your PIN code, you can find it when logged in to the online bank or mobile bank.
View PIN in online bank
- Go to "Everyday banking and loans" and select "View PIN code".
- Select the card you want to show the PIN code for.
- Fill in the requested information and confirm with BankID.
View PIN in mobile bank
- Go to “Me”, select “Cards”, and click “Show PIN code for card”.
- Find the card you want to show the PIN code for, press “Shortcuts” and select “Show PIN code”.
- Fill in the requested information and confirm with BankID.
The PIN code is shown for 30 seconds.
You do not need to do anything. We will automatically send you a new card by regular post well in advance of the expiry date.
Your card is valid until the last day of the expiry month stated on the card.
You can see the expiry date on the front of your card. For example, if it says 03/19, this means that you can use the card until 31 March 2019.
If you haven’t received your card in time, you can log in to the online bank and start a new chat, and an adviser will help you.
You will receive the new card no later than 30 days before your card expires.
When you shop with your card, it is checked to see whether there are sufficient funds/credit in the account and the amount you spend is reserved.
Your available balance is reduced accordingly, while the posted balance remains unchanged.
When the transaction is charged to your account, the balance is reduced and the reservations are deleted.
If you have detected unrecognised transactions in your account and suspect fraud, your card must be blocked.
Questions and answers
You will normally receive a new debit card within one to two weeks. You can use your old card until you start using the new one.
If you have renewed your card, you can see the status of your order in the mobile banking app.
Click on “Me” ➡ “Card” and select the relevant card.
The annual fee for your debit card is charged to your account on the first working day of the new calendar year, i.e. at the beginning of January.
If you order a new debit card during the year, you will not be charged the annual fee, but a reduced price that applies for the remainder of the year. The reduced annual fee will be charged the month after you order your card.
Do you have multiple debit cards?
Remember that you need to pay an annual fee for all of the them, including additional cards.
If you no longer need all of them, contact us by chat or telephone on +47 915 04800 and we’ll help you cancel the cards you’re not using. This way you save on costs.
Once you’ve changed your name and it’s registered with us, you’ll need to contact the customer service centre to get the correct embossed name on a new card.
You can call us on 91504800, start a chat via the online bank or send us a message from the online bank under Everyday banking and loans – Inbox.
You will find the card’s limit on the price list.
Yes, if you have a customer loyalty programme you have the same PIN code on all your cards.
The available balance shows what you have in your account at all times and is always up to date with all transactions in the account, including those that have been reserved.
However, the posted balance is only updated once every 24 hours. If you have used your Visa card, for example in a foreign country, it may take a little longer for the amount to be posted. After posting, the details of the merchant will appear.
You will normally receive a new debit card within a week. You can use your old card until you start using the new one.
It is important that you block your card. Contact us if you need emergency cash*.
* The third party will make a charge
BankAxept is the national payment system in Norway.
BankAxept has been implemented on the card linked to your current account.
With BankAxept, the payment is approved in real time by using chip and pin, contactless or a mobile phone. The transaction is connected to the user’s bank in order to authenticate and to ensure there are enough funds in the account. If everything is as it should be, the money is immediately withdrawn from the cardholder’s account.
Debit cards without proof of identity
National ID cards were launched on 30 November 2020, which gives our customers a more secure option for proving their identity.
Securely issuing passports and national ID cards is important in order to reach the goal that each person only has one identity in Norway.
This is an important crime prevention measure, and contributes to preventing ID abuse and other serious crime.
Now that your ID card is in place, you will be able to use it as your proof of identity. We will therefore no longer offer debit cards with photo IDs.
- The national ID card is as secure as the Norwegian passport and it can only be issued by the police.
- National ID cards with travel rights can be used as proof of identity and as a travel document when travelling to the EU/EEA countries and Switzerland.
You’ll find more information and prices on the police website.
The ID you have on your current debit card lasts until the expiry of the card. The expiry date is indicated on the front and/or back. You have until this date to obtain another proof of identity, if you want to.
Book an appointment with the police, for an ID card (and/or passport).
Cards, currencies, online shopping and withdrawals
No, we don’t place any regional blocks on our cards and you will be able use the card wherever you may be in the world.
We would advise you to choose to be charged in the local currency when using the card abroad, even if the merchant asks if you want to pay the amount in Norwegian kroner.
Visa/Mastercard converts the currency amount to Norwegian kroner according to the rate on the day, plus 1.95%. This is because the merchant decides which conversion rate to use for Norwegian kroner, and this is usually more expensive than ours.
When you shop using a Visa or Corporate Mastercard online, you may be asked for the CVV2/CVC2 code along with the card number and expiry date on the card.
The code is the last three digits printed on the signature strip on the back of your card.
Our cardholders are protected with the Verified by Visa and Mastercard SecureCode payment solutions.
These solutions are designed for safer online trading and use your BankID for identification.
You will recognise the BankID image from your online bank login.
In the price list, you’ll find the cash machine withdrawal limit and details of the charges.
Mastercard
In the online bank, you can both reduce your credit limit and apply for an increase.
Reduce credit limit
- Go to “Everyday banking and loans”.
- Select “Reduce credit limit”.
Applying for a credit increase
- Go to “Everyday banking and loans” and select “My loans and credit cards”.
- Click on the gear icon next to your Mastercard and select “Increase credit limit”.
Fill in the form.
With eFaktura (eInvoice) you receive the invoice electronically in the online bank. You avoid an invoicing fee of NOK 39 per month and can easily change the amount and approve it in the online bank.
In order to receive eFaktura (eInvoice), you must activate Always eFaktura (eInvoice). You will then automatically get eFaktura (eInvoice) from everyone who offers this.
You always activate eFaktura (eInvoice) in your online bank under Everyday banking and loans – eFaktura (eInvoice).
You will find eFaktura (eInvoice) in the online bank under Everyday banking and loans – Payment summary.
There, the eFaktura (eInvoice) can be opened for more information, and before approval you can change the amount, the debit account and the date.
The minimum monthly amount is 3% of the outstanding balance, a minimum of NOK 200.
If you would like to pay a larger amount, you can change the amount yourself when you receive the invoice.
Then approve the invoice.
You can transfer to the Mastercard when logged in to the online bank or mobile bank.
Transfer to the online bank
- Go to “Everyday banking and loans” and select “Transfer to own accounts”.
- Select your Mastercard as your To account.
- Enter the desired amount.
- You can also change the date and add a comment if you wish.
Transfer in mobile bank
- Tap on your Mastercard in the account summary.
- Tap “Additional payment”.
- Enter the desired amount.
- You can also change the date and add a message if you wish.
Tip! In the account summary, you can drag the account you want to pay from and drop it over the Mastercard.
Confirm the transfer.
Questions and answers
Super offers are exclusive offers for anyone with a customer loyalty programme at DNB. Every month, we give you a 20-30% discount at well-known shops and online stores.
With DNB Mastercard, travel insurance is included, when at least 50% of the trip’s travel expenses are prepaid with the card. The insurance covers the entire household or up to three co-travellers.
If you have chosen a due date of the 15th, you will receive a bill for everything you have spent on the card in the preceding month. The bill is produced around 15 days before it is due. If you use the card the day after the bill date, you will get 45 days’ interest-free credit. If you use the card the day before, you’ll get 15 days’ interest-free credit.
If you would like to cancel your Mastercard, you need to contact us by telephone or via chat.
EuroBonus
To earn SAS EuroBonus points on your Mastercard, you need to be an SAS EuroBonus member.
If you have a Mastercard marked FIRMA, contact us on +47 915 04800 and we will help you get started.
Log in to the online bank, select “Everyday banking and loans” and then “My cards”.
Find the Mastercard you want to upgrade, click on “Shortcuts” and select “Order Mastercard Upgrade”.
Fill in the form.
You start earning points when DNB registers your Mastercard Upgrade, no later than the day following the upgrade.
Earned SAS EuroBonus Extra points are shown on the Mastercard invoice from DNB.
In addition, you will see your total earned SAS EuroBonus points on the SAS EuroBonus member pages and in the SAS app. Here, the points will appear under the name «DNB Rewards».
Questions and answers
Welcome points are not received until the first purchase of goods on the card.
In addition to getting Extra points for all purchases where Mastercard is used in Norway and abroad, when ordering Mastercard SAS EuroBonus you’ll get a number of welcome points.
Yes, any additional cards connected to the primary card are automatically registered and points are also earned on additional cards. Points earned on additional cards will be credited to the main member’s Mastercard account.
To cancel Mastercard Upgrade with your EuroBonus agreement, you can log in and start a new chat with an online bank adviser, or call us on +47 915 04800.
Contact us
Customer Services - Retail
Call us on +47 915 04800
Opening times
Book an appointment with us
You can book an appointment to get advice on loans and insurance at one of our branches.
Ask our chatbot
Our chatbot Aino is available to answer your questions 24 hours a day.
If you open a chat in the online bank and Aino doesn’t know the answer, you’ll be able to chat with an adviser during the customer service centre’s opening hours.
Notification of unacceptable circumstances
Unacceptable circumstances include circumstances that are in breach of legal rules (laws, regulations etc.), DNB’s written ethical guidelines (Code of Conduct) or ethical norms to which there is broad adherence in society.
For customers who are deaf or hard of hearing
We are available through digital services such as chat and contact forms when you are logged in to the online bank, in addition to text message services.
If these services cannot be used, we can be contacted by telephone using Text telephone 149 (Telenor), Image interpretation service (NAV), and via our appointment booking form above.