--- title: "BankID, Vipps Login, and MinID: Norway's Digital-ID Consortium for Newcomers" country: norway service: "bankid-vipps-minid-digital-id" category: identification difficulty: moderate estimated_time: "MinID activation typically arrives by post within about 10 business days of ordering the activation letter, and login is usable the same day the code arrives. BankID issuance is same-day to a few days once you are already a customer at an issuing bank with the in-person identity check completed. End-to-end from arrival in Norway the realistic floor is several weeks to a few months: fødselsnummer or D-nummer first via Skatteetaten and the Service Centre for Foreign Workers (SUA), then a bank-customer relationship at a participating bank, then the BankID identity check and app activation. MinID can be ordered in parallel as a standalone bypass route as soon as the identity number is on file." cost_range: NOK 0 last_verified: 2026-05-19 canonical: https://publicservices.guide/bankid-vipps-minid-digital-id-consortium-enrollment/ status: current confidence: medium tags: - bankid - minid - "vipps-login" - "id-porten" - digdir - "electronic-id" - fodselsnummer - "d-nummer" - newcomer - identity sources: - https://www.norge.no/en/different-login-methods/46 - https://www.bankid.no/en/what-is-bankid - https://www.minid.no/en/about-minid/ - https://www.vipps.no/ - https://www.helsenorge.no/en/privacy-statement/logging-in-to-helsenorge/ - https://www.bankid.no/en/help - https://www.minid.no/en/ - https://www.norge.no/en/minid --- # BankID, Vipps Login, and MinID: Norway's Digital-ID Consortium for Newcomers **Country:** 🇳🇴 Norway **Last verified:** 2026-05-19 **Estimated time:** MinID activation typically arrives by post within about 10 business days of ordering the activation letter, and login is usable the same day the code arrives. BankID issuance is same-day to a few days once you are already a customer at an issuing bank with the in-person identity check completed. End-to-end from arrival in Norway the realistic floor is several weeks to a few months: fødselsnummer or D-nummer first via Skatteetaten and the Service Centre for Foreign Workers (SUA), then a bank-customer relationship at a participating bank, then the BankID identity check and app activation. MinID can be ordered in parallel as a standalone bypass route as soon as the identity number is on file. **Cost:** NOK 0 ## Required documents - **Norwegian identity number (fødselsnummer or D-nummer)** *(fødselsnummer / D-nummer)* - Issuer: Skatteetaten via folkeregisteret. The Service Centre for Foreign Workers (SUA) bundles ID-control, tax-card issuance, and identity-number assignment in a single appointment. - Function: Required by every Norwegian electronic-ID scheme. MinID activation cannot start without it; BankID issuance requires it (with bank-by-bank variation in whether a D-nummer alone is enough); Vipps Login inherits the requirement through its BankID dependency. - Format: Eleven digits. A fødselsnummer is issued to residents registered under the national population register; a D-nummer is issued to people with a documented need for a Norwegian identifier who do not meet the residence threshold for population registration. - _Note:_ Without a fødselsnummer or D-nummer on file, no Norwegian eID scheme can issue a credential — assignment is a hard upstream dependency. - **Activation letter for MinID** *(MinID aktiveringsbrev)* - Issuer: Digdir via Skatteetaten. Ordered online at aktiveringsbrev.minid.no; the English-language ordering page is available. - Delivery: By post to the folkeregister address registered with Skatteetaten; normal delivery within Norway is roughly 10 business days. D-nummer holders without a registered Norwegian residential address can order delivery to the nearest NAV office. - Activation window: The activation code printed in the letter is time-limited from the order date — request a fresh letter if the window has expired. - _Note:_ MinID is the publicly documented standalone bypass route for newcomers who do not yet have a Norwegian bank account. - **Norwegian mobile phone number and email address** - Function: Used by the MinID registration flow at registrer.minid.no to deliver one-time codes during login and to confirm contact details for the MinID app variant. - Norwegian phone number: Required by Vipps Login per the Vipps help portal prerequisites. A foreign phone number is generally not sufficient for Vipps but can be acceptable for MinID one-time codes depending on the activation flow. - _Note:_ Without a Norwegian phone number, MinID can still be activated against an international number for the SMS-code path; Vipps Login cannot. - **Customer relationship at a participating Norwegian bank** *(bankkundeforhold)* - Function: BankID is bank-issued — the consortium does not sell BankID directly to the public. Universal prerequisites are a customer relationship at a participating Norwegian bank and an in-person identity check at a branch with a passport. - Bank-by-bank D-nummer policy: Eligibility for BankID with a D-nummer alone varies materially between Norwegian banks. Some major banks require a fødselsnummer; some regional savings-bank groups accept D-nummer-only customers; some accept D-nummer combined with a valid biometric passport. The bank's onboarding officer is the authoritative source on current policy. - _Note:_ Vipps Login also inherits this prerequisite because its identity proofing is anchored on a previously issued BankID — the bank relationship gates both BankID and Vipps Login but not MinID. - **Passport** - Function: Required at the bank's in-person BankID identity check. The bank verifies the passport in person before issuing the BankID credential. - Biometric passport: Some banks require a biometric passport (machine-readable chip) for D-nummer-only customers as additional identity assurance during BankID issuance. - _Note:_ A residence permit or other secondary document is commonly requested alongside the passport at the bank appointment; the passport is the primary ID instrument named on the BankID help pages. - **Smartphone for the eID app** - MinID app: Current preferred MinID variant. Installed from the App Store or Google Play and registered against the fødselsnummer or D-nummer. - BankID app: Current default BankID variant. Activated with a code unit issued by the bank during onboarding; biometric unlock (Face ID, Touch ID, or Android fingerprint) is configured during setup. - SIM-stored BankID: BankID on mobile (SIM-stored variant) has been phased out. The BankID app is the active mobile variant; BankID på kort (smartcard with reader) remains available for desktop-only use. - _Note:_ Without a smartphone, MinID can still be used with the printed one-time codes from the activation letter; BankID with a smartcard reader remains a non-mobile alternative. ## Costs - **MinID issuance (activation letter and ongoing use):** 0 NOK — Issued by Digdir at no charge. Postal delivery of the activation letter and use of the MinID app, SMS codes, or one-time codes from the letter are all included. - **BankID issuance at a participating Norwegian bank (existing customer):** 0 NOK — Included in the bank's standard personal account product at participating banks; no separate BankID issuance fee is charged to retail customers. The bank applies its own customer-due-diligence checks before issuing the credential. - **BankID på kort (smartcard variant) issuance (optional):** 0 NOK — Where the issuing bank offers the smartcard variant, the card itself is typically issued without a separate fee for retail customers. The card requires a card reader, which may need to be acquired separately. - **Vipps Login activation:** 0 NOK — Bundled with the Vipps app at no extra activation fee. The Vipps app is free to install; identity proofing happens via the user's existing BankID. - **Buypass or Commfides commercial eID (high-assurance fallback) (optional):** 0 NOK — Sold commercially by Buypass and Commfides directly to consumers without a bank prerequisite. Pricing depends on the variant (smartcard plus reader, or app-based eID) and is set by the issuer at the time of order — confirm the current price on the issuer's site. ## Steps ### 1. Confirm Your fødselsnummer or D-nummer Is Assigned *(fødselsnummer / D-nummer)* - (Applicant) Confirm via Skatteetaten correspondence or a folkeregisterutskrift (population-register extract) that your Norwegian identity number has been assigned. This is the upstream dependency for every electronic-ID scheme. - (Applicant) Note which number type you hold — fødselsnummer (under population registration) or D-nummer (without the residence threshold). The number type affects bank-by-bank BankID eligibility but does not affect MinID eligibility. > **Tip:** Number assignment time at Skatteetaten varies with queue load. Do not begin the MinID order or the bank-account opening until the number is confirmed — both flows reject the application without it. _Links:_ - [Norge.no — login methods for public services (federal aggregator)](https://www.norge.no/en/different-login-methods/46) ### 2. Order a MinID Activation Letter from Digdir *(MinID aktiveringsbrev)* - (Applicant) Open aktiveringsbrev.minid.no, switch to English if needed, and enter your fødselsnummer or D-nummer with the delivery preferences. - (Applicant) Choose a delivery address. The default is the folkeregister address registered with Skatteetaten. D-nummer holders without a registered Norwegian residential address can deliver the letter to the nearest NAV office instead. - (Digdir / Skatteetaten) The activation letter is dispatched by post; normal delivery within Norway is roughly 10 business days. > **Tip:** If you also plan to obtain BankID through a Norwegian bank, you can order MinID in parallel — the two schemes have no shared prerequisites beyond the identity number, and MinID typically becomes usable faster than the bank-and-BankID chain. _Links:_ - [MinID — order activation letter (Digdir)](https://www.minid.no/en/about-minid/) ### 3. Activate MinID and Register Your Contact Details *(MinID-bruker)* - (Applicant) Open registrer.minid.no, enter your fødselsnummer or D-nummer, and enter the activation code printed in the letter. The code is time-limited — request a fresh letter if the window has expired. - (Applicant) Enter a mobile phone number and email address. These deliver one-time codes during login and verify contact details for the MinID app variant. - (Applicant) Choose your preferred login mechanism: the MinID app (current preferred), one-time codes via SMS, or codes from the activation letter as a fallback. - (Applicant) Test with a low-stakes substantial-tier service — for example, Skatteetaten Mine sider or NAV Mine sider via ID-porten — to confirm MinID is live. > **Tip:** MinID is classified at the substantial assurance tier. It unlocks many public services via ID-porten but is filtered out for highest-tier services (notably adult login at helsenorge.no for services containing health data). Plan for a high-tier eID — BankID, Buypass, or Commfides — separately if you need health-data access. ### 4. Open a Personal Account at a Participating Norwegian Bank *(bankkundeforhold)* - (Applicant) Choose a participating Norwegian bank that issues BankID and book a personal-account-opening appointment. The bank's onboarding officer is the authoritative source on whether the bank issues BankID to D-nummer-only customers or other newcomer profiles. - (Applicant) Bring passport (biometric where required by bank policy), identity-number evidence (Skatteetaten correspondence or a folkeregisterutskrift), proof of address, and residence-permit evidence where applicable. - (Issuing bank) Apply customer-due-diligence checks and open the account. Account opening typically takes several business days from the appointment. > **Tip:** If a bank declines BankID for your specific profile (most commonly with a D-nummer only), book a fresh appointment at a different bank. Bank-by-bank policy varies materially and a single refusal is not a system-wide refusal. > **If this fails:** If repeated refusals make BankID unobtainable for your current profile, do not block — MinID already unlocks substantial-tier services, and for highest-tier services a commercial eID from Buypass or Commfides is sold directly without a bank prerequisite. Re-attempt BankID after a fødselsnummer is assigned or after a longer residence history that some banks require for D-nummer-only issuance. ### 5. Obtain BankID at the Bank's In-Person Identity Check *(BankID)* - (Applicant) Book the BankID identity-check appointment with the bank. This is typically separate from the account-opening appointment, although some banks bundle the two. - (Applicant) Attend in person at the branch with your passport. The bank verifies the passport in person before issuing the BankID credential — the universal requirement across all participating Norwegian banks. - (Issuing bank) Issue the BankID activation code unit, along with confirmation of contact details. Some banks deliver the code unit via online banking or by post; others hand it over in-branch. - (Issuing bank) Confirm the form factor: the BankID app (current default) or BankID på kort (smartcard with reader for desktop-only use). The legacy SIM-stored variant has been phased out. > **Tip:** Once issued, the BankID credential is portable across services — it works at every public service that integrates ID-porten and at the participating banks' own online channels. _Links:_ - [BankID — what is BankID (Stø AS, Norwegian BankID consortium)](https://www.bankid.no/en/what-is-bankid) ### 6. Activate the BankID App on Your Phone *(BankID-app)* - (Applicant) Install the BankID app from the App Store or Google Play. The app is published by the Norwegian BankID consortium operator. - (Applicant) Open the app, enter your fødselsnummer or D-nummer, and enter the activation code unit issued by the bank. If the code unit has expired, request a fresh one from the issuing bank. - (Applicant) Set a six-digit security PIN and enable biometric unlock (Face ID, Touch ID, or Android fingerprint) where supported. - (Applicant) Test with a low-stakes high-tier service — for example, helsenorge.no adult login — to confirm BankID is live at the gateway. > **Tip:** If your phone is below the minimum supported OS or lacks required hardware, BankID på kort (smartcard) is the desktop-only alternative. The smartcard requires a card reader, which you may need to acquire separately. ### 7. Activate Vipps Login Once BankID Is in Place *(Vipps innlogging)* _Applies when: Optional — Vipps Login is downstream of BankID and cannot be activated without an existing BankID_ - (Applicant) Install the Vipps app from the App Store or Google Play. The app is published by Vipps MobilePay AS. - (Applicant) Complete onboarding, which checks the standard prerequisites — BankID, a Norwegian bank account, a Norwegian phone number, a Norwegian debit or credit card, and a fødselsnummer or D-nummer. - (Applicant) Once onboarding completes, Vipps Login becomes available at merchants and public-service portals that integrate it via ID-porten. > **Tip:** If Vipps directs you to contact your bank, this signals that the underlying BankID identity proofing has not completed. Vipps Login is not a route around BankID — complete the bank-and-BankID chain first. ### 8. Use ID-porten Across Norwegian Public-Service Portals *(ID-porten)* - (Service consumer) Navigate to the public-service portal you need — for example, Skatteetaten Mine sider, NAV Mine sider, helsenorge.no, or Lånekassen for the State Educational Loan Fund. - (Service consumer) Choose ID-porten when prompted. The gateway presents the eIDs that meet or exceed the service's required assurance level — substantial-tier services accept MinID and any high-tier eID; highest-tier services accept BankID, Buypass, Commfides, and Vipps Login per the eID-provider integration. - (Service consumer) Confirm in the chosen eID app with the security PIN or biometric. The service receives the authenticated identity from the gateway and grants access. > **Tip:** Public services do not name a specific eID at the login screen — they request an assurance level and let ID-porten present compatible eIDs. If a service rejects MinID at the gateway, it is gated at the highest assurance level and you need BankID, Buypass, or Commfides. _Links:_ - [Helsenorge.no — privacy and login for the national health portal](https://www.helsenorge.no/en/privacy-statement/logging-in-to-helsenorge/) ## FAQ ### Can I get BankID without a Norwegian bank account? No. BankID is bank-issued — the consortium operator does not sell BankID directly to the public. The universal requirements are a customer relationship at a participating Norwegian bank and an in-person identity check at a branch with a passport. The documented workaround is to order MinID instead (independent of any bank) while the bank-and-BankID chain is in progress. For highest-assurance services that MinID cannot unlock, Buypass and Commfides sell commercial eIDs directly without a bank prerequisite. ### Is Vipps Login a parallel alternative to BankID for newcomers? No. Vipps Login is downstream of BankID, not parallel to it. The Vipps help portal lists BankID, a Norwegian bank account, a Norwegian phone number, a Norwegian debit or credit card, and a fødselsnummer or D-nummer as standard prerequisites. Vipps Login layers a convenience authentication on top of an already-issued BankID identity — it cannot replace BankID for first-time identity verification. Vipps itself directs users without BankID to contact their bank. ### Can I use MinID to log in to helsenorge.no as an adult? No. The national health portal requires an electronic ID at the highest assurance level for services containing health data — BankID, Buypass, or Commfides via ID-porten. MinID is classified at the substantial assurance level and is filtered out by the gateway. A youth carve-out exists in the Helsenorge app (from age 13 with MinID, a user can book an appointment with a school nurse), but adult general health-data access is not accepted on MinID. ### Which electronic IDs does ID-porten accept? BankID, MinID, Buypass, Commfides, and Vipps Login. Public services do not name a specific eID; they request a minimum assurance level (substantial or high) and ID-porten presents the user with eIDs that meet or exceed that level. Services gated at the highest level filter MinID out automatically; services gated at substantial accept MinID and any high-tier eID. ### If one Norwegian bank declines BankID, can I try another? Yes. Bank-by-bank policy on BankID eligibility — particularly for D-nummer-only customers and customers without a Norwegian biometric passport — varies materially. A single refusal is not a system-wide refusal. The fallback chain: open public-portal access via MinID immediately, re-apply for BankID at a different bank, and for highest-assurance services acquire a commercial eID from Buypass or Commfides. ### Can I get BankID with a D-nummer but no fødselsnummer? It depends on the bank. Some major banks historically required a fødselsnummer; some regional savings-bank groups accept D-nummer-only customers; some accept D-nummer combined with a valid biometric passport. The bank's onboarding officer is the authoritative source on current policy. The variation pattern is the durable fact, not a specific bank list. ### Does MinID accept a D-nummer (and how long does the letter take)? Yes. MinID can be ordered with either a fødselsnummer or a D-nummer; D-nummer holders without a registered Norwegian residential address can order the activation letter to the nearest NAV office instead of a home address. Normal delivery within Norway is roughly 10 business days from the order date; the activation code is time-limited — request a fresh letter at aktiveringsbrev.minid.no if the window has expired. ### Can I use a Norwegian electronic ID to log in to a foreign EU service? Not yet. ID-porten is connected to the EU cross-border authentication infrastructure inbound (EU users with EU-approved eIDs can authenticate to Norwegian public services), but the outbound direction is not yet possible due to a missing notification step at the EU level. Check norge.no for the current cross-border status before assuming a Norwegian eID will work on a foreign EU portal. ### What if I lose my phone with an active MinID or BankID app? For MinID, log in via the SMS-codes variant from another device, revoke the lost-device registration, and re-register the new device. For BankID, contact the issuing bank immediately to revoke the credential — the bank then issues a fresh code unit and reactivation steps once you have a replacement device. The credential remains tied to your identity, not the lost handset. ### Can children get BankID or MinID? Bank-by-bank for BankID — the minimum age varies, with some banks issuing from age 12 and others from 13 or 15. MinID is available from age 13 for residents registered in the population register. Under-13 residents do not have a Norwegian eID of their own; identity-bearing actions go through a parent or guardian. ## Local tips - Order a MinID activation letter as soon as your fødselsnummer or D-nummer is assigned, even if you also plan to obtain BankID. MinID is independent of any bank relationship and gives you a working public-sector login within roughly 10 business days — faster than the bank-account-plus-BankID chain. - Vipps Login is not a route around BankID for newcomers. Vipps lists BankID, a Norwegian bank account, a Norwegian phone number, a Norwegian debit or credit card, and a fødselsnummer or D-nummer as prerequisites — Vipps Login layers on top of an already-issued BankID rather than replacing it. - For adult login at helsenorge.no, MinID is not accepted: services containing health data are gated at the highest assurance level and require BankID, Buypass, or Commfides via ID-porten. If a bank declines BankID, Buypass and Commfides sell highest-tier eIDs directly without a bank prerequisite. - If you hold only a D-nummer, check the bank's policy before booking the BankID appointment. Bank policy on D-nummer eligibility varies materially — a refusal at one bank does not predict a refusal at another. - Without a residential address in the Norwegian population register, the MinID activation letter can be ordered to the nearest Norwegian Labour and Welfare Administration (NAV) office — the documented pathway for D-nummer holders without a registered Norwegian home address. ## Sources - [Norge.no — federal aggregator for Norwegian public services, operated by Digdir](https://www.norge.no/en/different-login-methods/46) — accessed 2026-05-19 — _T1_ — The federal aggregator documents ID-porten as the common login solution for online public services. BankID, Buypass, and Commfides are classified at the highest security level (High) and give access to all public services. MinID is classified at a medium-high security level (Significant), can be used for many public services, but not for health services at helsenorge.no. ID-porten requires an electronic ID such as MinID, BankID, Buypass ID, or Commfides. Canonical federal source for the assurance-tier classification of each eID and confirmation of MinID's exclusion from helsenorge.no adult login. - [Stø AS — operator of the Norwegian BankID consortium (renamed from BankID BankAxept AS in 2024)](https://www.bankid.no/en/what-is-bankid) — accessed 2026-05-19 — _T1_ — BankID is a personal electronic identification for authentication and signing online. Obtain BankID from your bank; the universal requirements are a customer relationship with a participating Norwegian bank and an in-person identity check at a branch with a passport. The service is provided by Stø AS. The age limit varies between banks (some from age 12, others from 13 or 15). Form factors: BankID app (current default) and BankID på kort (smartcard, desktop-only). The SIM-stored variant has been phased out. The operator entity changed its corporate name from BankID BankAxept AS to Stø AS in 2024. - [MinID — administered by Digdir (Digitaliseringsdirektoratet, the Norwegian Digitalisation Agency)](https://www.minid.no/en/about-minid/) — accessed 2026-05-19 — _T1_ — MinID is an electronic login system for Norwegian public-sector services. The Norwegian Digitalisation Agency (Digdir) is the controller of the personal data handled by MinID. Residents with a fødselsnummer or D-nummer can create a MinID; activation requires PIN-codes from the Norwegian Tax Administration delivered by post in the activation letter. Letter is ordered at aktiveringsbrev.minid.no; D-nummer holders without a registered Norwegian residential address can order delivery to the nearest NAV office. MinID is classified at the substantial assurance tier and is filtered out for services that require the highest assurance level. - [Vipps MobilePay AS — operator of Vipps Login (organisation number 918 713 867)](https://www.vipps.no/) — accessed 2026-05-19 — _T1_ — Vipps Login is not a notified national electronic ID; it is an authentication convenience layer anchored on a previously issued BankID. Adult use prerequisites: BankID (Vipps directs users without BankID to contact their bank), a Norwegian social security number or D-nummer (subject to the bank's BankID-issuance policy for D-nummer holders), a Norwegian telephone number, a Norwegian debit or credit card, and a Norwegian bank account. Vipps acts as data processor on behalf of Norwegian banks; the issuing bank is the data controller for the underlying identity claim. Vipps Login is downstream of BankID for first-time identity verification, not a parallel alternative. - [Helsenorge.no — Norwegian national health portal, administered by the Directorate of e-health](https://www.helsenorge.no/en/privacy-statement/logging-in-to-helsenorge/) — accessed 2026-05-19 — _T1_ — Services containing health data on helsenorge.no require an electronic ID at the highest security level. The accepted high-tier eIDs at ID-porten are BankID, Buypass, and Commfides. MinID is not accepted as an adult login at helsenorge.no for general health-data access — its substantial-tier classification is below the highest-tier requirement and the gateway filters it out automatically. A youth carve-out exists: from age 13 a user can log in with MinID to book an appointment with a school nurse, but the carve-out does not extend to general adult health-data access. - [Stø AS — BankID help portal (consortium operator)](https://www.bankid.no/en/help) — accessed 2026-05-19 — _T1_ — The BankID help portal documents universal issuance requirements: contact your bank to obtain BankID; provide identification with your passport at an in-person meeting at the bank; the age limit is 12, with bank-by-bank variation upward. The activation flow after the in-person check: download the BankID app from the App Store or Play Store and activate with a code unit issued by the bank, with some banks also offering activation via SMS and email or passport scan in the app. Operator-entity confirmation: the service is provided by Stø AS. - [MinID — Digdir-administered self-service landing page](https://www.minid.no/en/) — accessed 2026-05-19 — _T1_ — MinID activation flow: order the activation letter at aktiveringsbrev.minid.no; the letter is delivered by post to the address registered with the Norwegian Tax Administration (approximately 10 business days within Norway); D-nummer holders without a registered Norwegian residential address can order delivery to the nearest NAV office; the activation code is time-limited from ordering. Registration: enter the Norwegian identity number, then mobile number and email address — the phone and email deliver one-time codes during login. MinID is independent of any bank relationship — the standalone bypass route for newcomers without a Norwegian bank account. - [Norge.no — federal aggregator entry for MinID](https://www.norge.no/en/minid) — accessed 2026-05-19 — _T1_ — Norge.no positions MinID as the inclusive electronic-ID option for residents who lack the bank relationship required for BankID. Eligibility extends to fødselsnummer holders and D-nummer holders. The substantial assurance classification (Significant on Norwegian-language pages, Substantial in eIDAS framing) means MinID unlocks many public services via ID-porten but is filtered out for services gated at the highest tier — notably adult login at helsenorge.no. The earlier eid.difi.no host is deprecated; canonical content has migrated to norge.no. --- Verification pending — see the canonical page for the latest trust state. Canonical: https://publicservices.guide/bankid-vipps-minid-digital-id-consortium-enrollment/