What withdrawing cash in Norway costs a Singapore card
Norway is one of the most card-first countries in the world, so deciding whether you need an ATM at all comes before choosing which one to use. If you do take cash out, three charges can stack on a single withdrawal: the machine owner’s fee, your card’s own fees, and a currency-conversion offer that’s worth declining.
| What | Details |
|---|---|
| Do you need cash? | Very little. Norges Bank’s latest survey found 3% of people used cash for their most recent in-person purchase |
| Can a Singapore card withdraw NOK? | Yes. Machines showing the Visa, Mastercard, Maestro or Cirrus logo take cards from those networks, including YouTrip |
| Are Norwegian ATMs free? | Not reliably. The machine’s owner can add its own fee, and the screen has to show it before you confirm |
| What’s the costliest mistake? | Accepting a conversion to SGD. Norway’s Consumer Council puts the hidden markup at roughly 6 to 7%, or 300 to 350 NOK (~S$41 to S$48) on a 5,000 NOK (~S$690) withdrawal |
| Which currency should you pick at the ATM? | NOK, never SGD, when the screen offers to convert |
| How much will you withdraw? | About 2,000 NOK (~S$280). The average Norwegian ATM withdrawal in 2025 was 2,028 NOK, so one modest withdrawal usually covers a trip |
| Can you get cash at the supermarket checkout? | No. The cash-out scheme needs a Norwegian BankAxept card |
| Which card costs least? | YouTrip: first S$400 per month in overseas ATM withdrawals free, 2% after, 0% FX fees |
Table of Contents
- Do You Need Cash in Norway?
- What Currency Does Norway Use, and Are Euros Accepted?
- Can You Use a Singapore Card at Norwegian ATMs?
- How to Withdraw Cash From an ATM in Norway
- Are ATMs Free in Norway?
- Are Independent ATMs Like Euronet Worth Using in Norway?
- Should You Pay in NOK or SGD at a Norwegian ATM?
- Norway ATM Fees at a Glance
- Norway ATM Withdrawal Limits
- Can I Use a YouTrip Card in Norway?
- Which Card Is Best for Norway ATM Withdrawals?
- Other Ways to Get Cash in Norway
- Where to Find an ATM in Norway
- Safety Tips for Using ATMs in Norway
- FAQs
Do You Need Cash in Norway?
No, hardly any. Norges Bank, the country’s central bank, found in its latest survey that 3% of people paid with cash for their most recent purchase at a physical shop. Norwegians made an average of 595 card transactions each in 2025.
The same report shows cash machines shrinking. Norway had 1,028 ATMs at the end of 2025, down from 1,129 a year earlier. Shops also made more cash withdrawals than ATMs did for the first time, 11.2 million against 10.3 million, although ATMs still paid out more by value. You can still use cash in Norway, but few shops rely on it.
Where cash still helps:
- Rural honesty boxes and farm stands. Parking, firewood and farm produce are sometimes sold on trust, and some show only a Vipps number (Norway’s mobile payment app, which normally needs a Norwegian ID number, bank account and BankID)
- Remote public toilets and small kiosks. A card terminal that’s offline in the mountains leaves cash as the only option
- Local markets and one-off events. Small stalls without a working card reader still turn up outside the cities
For a week in Norway, a few hundred kroner is plenty. Our suggestion is 500 to 1,000 NOK (~S$69 to S$138) in small notes if you’re staying in cities. If you’re driving through the countryside, take up to 2,000 NOK (~S$276).
Draw it in a regional hub before heading into fjord or mountain country, because machines can be limited or nonexistent in very small towns and national park areas. Take out less than you think you’ll need, since leftover kroner can be awkward to use up once you’re home.
Cards cover everything else: groceries, restaurants, trains, taxis and attractions. A YouTrip card charges no foreign transaction fee on any of it.
What Currency Does Norway Use, and Are Euros Accepted?
Norway uses the Norwegian krone (NOK), and euros are rarely accepted. The country is in Europe but outside the eurozone, so shops, restaurants and transport price and charge in kroner. VisitNorway says foreign currency is rarely accepted, so you need kroner to get by. A few tourist-area shops may take euros or US dollars, but at a poor rate.
Common amounts come to roughly this:
| NOK | Approx. SGD |
|---|---|
| 100 NOK | ~S$14 |
| 500 NOK | ~S$69 |
| 1,000 NOK | ~S$138 |
| 2,000 NOK | ~S$276 |
| 5,000 NOK | ~S$690 |
The cleanest way to get kroner is to withdraw them from a machine in Norway rather than buying them before you fly. Money changers build a markup of a few percent into the rate they quote, and an ATM withdrawal on a card with no FX fee avoids that. For the current rate, our guide to getting the best exchange rate in Singapore shows what to compare.
Can You Use a Singapore Card at Norwegian ATMs?
Yes. Norwegian machines (called minibank) take cards from the major networks. YouTrip works at any overseas ATM showing the Mastercard, Maestro or Cirrus logo, and most machines offer an English menu.
Finding a machine is the harder part, especially outside cities. Norges Bank counts 714 cash-dispensing ATMs and 314 recycling machines, which both take deposits and pay out cash. Banks own about a third of them. Nokas, Loomis and other companies own the rest, and Nokas and Loomis operate most machines, including most of the bank-owned ones.
Cost comes from two places:
- The Norwegian machine’s own fee: set by whoever owns the machine, and shown on screen before you confirm
- Your own card’s charges: a foreign transaction fee on most Singapore bank cards, plus an overseas ATM fee
You can’t change the first one. You can cut the second by choosing a card with low or no fees, and that’s usually where most of the savings sit.
How to Withdraw Cash From an ATM in Norway
Withdrawing at a Norwegian minibank works like it does at home, with two checks that matter: the fee notice and the currency prompt.
- Find a machine
Look for the word Minibank or a bank’s branding, and check the Visa, Mastercard, Maestro or Cirrus logo matches your card
- Insert your card and choose English
Most machines offer it
- Pick the account type if asked
On a debit or travel card, choose Savings
- Enter your PIN
Cover the keypad with your other hand. If your card has a 6-digit PIN, check with your issuer before you fly, because it may not work in Norwegian machines
- Choose an amount
Pick a preset or type your own in NOK
- Decline any conversion to SGD
If the screen offers to charge you in Singapore dollars, choose NOK (see the conversion section below)
- Read the fee notice before confirming
Machine owners can add their own charge, and the price is shown when you withdraw. If it looks steep, cancel and try another machine
- Take your card first, then your cash and receipt
Put the cash away before you step off
What if the machine keeps your card or doesn’t pay out?
Contact your card issuer straight away. A YouTrooper can freeze the card instantly in the app, which stops anyone using it while you sort out a replacement. Keep the receipt if the machine printed one, because it records the time and machine location.
What if your card is declined at the ATM?
Check four things before blaming the machine:
- Overseas use: it should be switched on in your card app
- PIN: it should be the one you set, and a 6-digit PIN may not work in Norwegian machines
- Limit: the amount should sit inside your card’s daily limit (YouTrip’s is S$5,000)
- Network logo: the machine should show your card’s logo
If all four are fine, try a different machine. If it still fails, contact your issuer, who can check whether the transaction was blocked.
Are ATMs Free in Norway?
No, not reliably, and a foreign card can end up paying up to three separate charges on one withdrawal.
1. The ATM owner’s fee
Most bank-run machines in Norway don’t add a fee of their own, but independent machines sometimes do.
DNB’s price list says ATM owners can charge a separate price, and the price is shown when you withdraw. Norway’s banks and operators don’t publish a tourist fee list. One consumer guide reports 10 to 60 NOK (~S$1 to S$8) per transaction at bank ATMs that do charge, so treat that as a rough guide. What you’ll actually pay is the fee shown on the screen.
2. Your own card’s fees
A standard Singapore bank card adds a foreign transaction fee of around 3.25% on top of the exchange rate, plus an overseas ATM fee that varies by bank. YouTrip charges no FX fee and gives you your first S$400 of overseas ATM withdrawals each calendar month free, then 2% after that.
Use a debit or travel card for this rather than a credit card. Most credit cards treat an ATM withdrawal as a cash advance, which costs more than a normal purchase. DBS, for example, charges 8% of the amount, with a minimum of S$15.
3. The currency conversion, if you accept it
The machine can offer to charge you in SGD instead of NOK. Accepting adds a markup of several percent, and it’s the largest of the three charges by a wide margin. It has its own section below.
ATM fees are subject to change; verify on screen before withdrawal.
Are Independent ATMs Like Euronet Worth Using in Norway?
Image Credits: Euronet
No, usually not. Independent machines can add an operator fee and push the conversion offer, so a bank-branded machine is the better choice when one is nearby.
Wise reports that the markup at Euronet machines can be as much as 13% above the mid-market rate when you let the machine convert for you. Wise’s 13% comes from a 2024 article and isn’t specific to Norway, so treat it as the worst case. The screen shows what that machine actually charges.
- Check the operator name on screen. The fee notice and the conversion prompt tell you more than the logo on the cabinet
- Prefer a bank-branded machine when two are nearby. The conversion prompt still needs declining there
- Walk away if the total looks wrong. Cancelling before you confirm costs nothing
Should You Pay in NOK or SGD at a Norwegian ATM?
NOK, every time. Dynamic Currency Conversion (DCC) is the offer to charge you in Singapore dollars instead of the local currency, and it costs far more than any machine fee.
It’s presented as a convenience, but the machine’s operator sets the exchange rate instead of your card network, and the markup is built into that rate.
Norway’s Consumer Council, Forbrukerrådet, advises always choosing “no conversion” and paying in the local currency. It says the conversion normally carries a markup of six to seven percent. On a 5,000 NOK (~S$690) withdrawal, that’s 300 to 350 NOK (~S$41 to S$48) for pressing one button.
Declining the conversion removes the markup, and your card converts at the network rate instead. The machine owner’s own fee can still appear, because it’s a separate charge.
The same prompt turns up in shops. A card terminal at a café or hotel can ask whether to charge you in SGD, and the answer is the same: always choose NOK. In a country where you’ll pay by card most days, that habit protects more money than any ATM decision.
Norway ATM Fees at a Glance
Three charges can stack on one withdrawal, and only one of them is Norway’s.
| Charge | Typical cost for a Singapore card |
|---|---|
| Norwegian machine’s own fee | Often nothing at bank-run machines. Where one is charged, a consumer guide reports roughly 10 to 60 NOK (~S$1 to S$8) |
| Your card’s own charges | Standard bank card: around 3.25% FX plus an overseas ATM fee. YouTrip: 0% FX, first S$400 per month free, 2% after |
| Conversion, if you accept it | A markup of roughly 6 to 7% on the amount withdrawn |
On a 2,000 NOK (~S$276) withdrawal, the maths looks like this. A standard bank card’s 3.25% FX fee comes to about S$9 before the overseas ATM fee. Accepting the conversion at 6 to 7% would add roughly S$17 to S$19. Of the three charges, the machine’s own fee is often the smallest, so your card’s charges and the conversion prompt matter more.
ATM fees are subject to change; verify on screen before withdrawal.
Norway ATM Withdrawal Limits
The lower of two limits applies: what the machine will pay out, and what your card allows per day.
- The machine’s limit. Norwegian machine owners set their own per-withdrawal cap, and it isn’t published for foreign cards. Guides put it at roughly 2,000 to 10,000 NOK per withdrawal, depending on the machine and how much cash it holds
- Your card’s daily limit. For YouTrip, it’s S$5,000 per day (~36,250 NOK). Most Singapore bank cards set their own limits.
In Norway, one modest withdrawal is enough. So skip the habit of several small ones. Only take out what you’re comfortable carrying. A 2,000 NOK (~S$276) withdrawal covers most trips, and nobody needs 10,000 NOK (~S$1,379) in notes in a country that takes cards at the ferry kiosk.
Check your card’s limit in its app before you fly, so a low default doesn’t force you into repeated withdrawals that each carry a machine fee.
Can I Use a YouTrip Card in Norway?
Yes. Use the YouTrip card to withdraw cash at any overseas ATM that shows the Mastercard, Maestro or Cirrus logo, at the wholesale exchange rate.
On withdrawals, your first S$400 per calendar month is free, with a 2% fee on the withdrawn amount after that. Card payments carry no foreign transaction fee, so tapping your YouTrip card at Norwegian shops, trains and restaurants is billed at the wholesale rate with no FX markup. Every payment converts from your SGD balance automatically.
YouTrip can’t remove the Norwegian machine’s own fee, because that charge belongs to the machine’s owner, and no card can. It does remove your card’s FX fee and covers your first S$400 of withdrawals each month, which is usually the bigger part of the cost.
To withdraw kroner with YouTrip:
- Find a machine showing the Mastercard, Maestro or Cirrus logo and insert your YouTrip card
- Enter your PIN and select Savings account
- Choose to withdraw in NOK, the local currency, so you skip the machine’s conversion
- Check the fee notice before you confirm, then take your cash and card
For deeper detail on allowances and limits, see our YouTrip withdrawal guide for Singaporeans.
Which Card Is Best for Norway ATM Withdrawals?
No card removes the Norwegian machine’s fee, so the best card is whichever adds the least on top of it. The part you can control is your card’s FX fee and its ATM allowance.
| YouTrip | Revolut | Wise | Amaze | |
|---|---|---|---|---|
| FX fees | No fees | No fee within plan limits; 1% on exchanges outside market hours, including weekends | Conversion fee from 0.19%, varies by currency | Up to 2.1% FX spread when the card is linked to a bank card; no fee on wallet FX |
| ATM withdrawal fees | Up to S$400 free per month; 2% after | Up to S$350 or 5 withdrawals free per month; 2% or S$1.49 after (whichever is higher) | Free up to S$100 per month; 1.75% after | 2% on all withdrawals |
Card fees as of October 2026 and subject to change. Check each provider’s fee page before you travel.
For Norway, the free monthly allowance is the number to compare. You’ll withdraw less than in most countries, so most trips fit inside YouTrip’s S$400. See our best multi-currency cards in Singapore comparison for the full picture.
Other Ways to Get Cash in Norway
Few work for a visitor. The other ways Norwegians get cash, such as supermarket checkouts, mostly need a Norwegian card, so an ATM is your realistic option.
Can a foreign card get cash at the supermarket checkout?
No, not through the main scheme. Norwegians can withdraw cash at the checkout in shops linked to NorgesGruppen and some Bunnpris stores. Norges Bank says this “in-store cash services” scheme requires a BankAxept card and PIN. BankAxept is Norway’s domestic debit card, so a Singapore card can’t use it.
Some shops also offer cashback with a purchase on a voluntary basis. Norges Bank doesn’t say whether foreign cards qualify, so don’t plan around it.
Is a money changer worth it?
No. A money changer’s rate carries a markup. An ATM withdrawal on a card with no FX fee gives you the wholesale rate, with the first S$400 each month free. Given how little cash you need, changing money before you fly or at the airport gains you nothing.
Where to Find an ATM in Norway
Image Credits: Wikimedia Commons
ATMs are easy to find in cities and hard to find in the countryside. You’ll see them at airports, at central train and bus stations, on busy shopping streets and inside or outside larger supermarkets and shopping centres. Look for the word Minibank.
Airport and hotel machines can charge more. If you need cash on arrival, take out a small amount there and the rest from a bank-branded machine in town. That means two withdrawals, so it’s only worth it if you need the cash straight away.
Small towns and national park areas can have few or none, and the national count is falling. If you’re heading into fjord, mountain or northern country, such as on a Northern Lights trip in Norway, draw cash in a regional hub first. Don’t count on a machine at the trailhead or the next village.
A bank counter isn’t a fallback either. Norges Bank counts only 65 branches still offering cash withdrawals or deposits over the counter at the end of 2025.
For a quick search by card network, Visa’s Global ATM Locator lets you search for ATMs by location. Mastercard runs an equivalent finder on its own site and app.
ATM fees are subject to change; verify on screen before withdrawal.
Safety Tips for Using ATMs in Norway
Norway is generally a safe place to use an ATM, and the basics still apply. Busy tourist areas can draw pickpockets.
- Use machines at bank branches, airports or stations rather than standalone street ones where you can
- Check the card slot and keypad for anything loose or added before inserting your card
- Cover the keypad when entering your PIN, even with nobody around
- Don’t accept help from strangers at the machine, however friendly the offer
- Take your cash and move off before counting or reorganising your wallet
- Turn on transaction alerts in your card app before you travel
FAQs
Not reliably for foreign cards. Most bank-run machines add no fee of their own, but independent ones sometimes do, and it shows on screen before you confirm, so you can cancel at no cost. Your own card then adds its fees on top, and a conversion to SGD, if accepted, adds a markup of several percent.
Insert your card, choose English, enter your PIN and pick an amount. If the machine offers to charge you in SGD, choose NOK instead. Read the fee notice before you confirm, then take your card, cash and receipt.
Card, almost always. Norges Bank’s latest survey found 3% of people paid with cash for their most recent in-person purchase. Carry a small amount of cash for rural honesty boxes, remote toilets and small markets.
A few hundred kroner is enough for most trips. We suggest 500 to 1,000 NOK (~S$69 to S$138) in cities and up to 2,000 NOK (~S$276) if you’re driving through the countryside, drawn before you reach remote areas.
Rarely. Norway uses the Norwegian krone (NOK) and sits outside the eurozone, so shops and restaurants charge in kroner. A few tourist-area shops may take foreign cash, but at a poor rate.
None removes the machine owner’s fee, so the useful question is which card adds the least. YouTrip gives your first S$400 of overseas withdrawals each month free with no FX fee, then 2% after.
It depends on the machine and your card. Machine owners set their own cap, and your card’s daily limit applies on top. YouTrip’s daily limit is S$5,000 (~36,250 NOK).
No. Withdraw kroner on arrival and use your card for everything else. A money changer builds a markup into its rate, and you won’t need much cash anyway.
Country ATM Guides
Heading somewhere else next? Explore our country-specific withdrawal guides:
🇲🇾 Malaysia | 🇯🇵 Japan | 🇹🇭 Thailand | 🇰🇷 South Korea | 🇹🇼 Taiwan | 🇭🇰 Hong Kong | 🇮🇩 Indonesia | 🇻🇳 Vietnam | 🇦🇺 Australia | 🇲🇴 Macau | 🇨🇳 China | 🇺🇸 US | 🇿🇦 South Africa | 🇵🇭 Philippines | 🇫🇷 France | 🇬🇧 UK | 🇳🇿 New Zealand | 🇮🇹 Italy | 🇰🇭 Cambodia | 🇨🇦 Canada | 🇨🇭 Switzerland | 🇪🇸 Spain | 🇩🇪 Germany | 🇹🇷 Turkey | 🇰🇿 Kazakhstan | 🇳🇱 Netherlands | 🇦🇹 Austria | 🇦🇪 Dubai | 🇲🇻 Maldives | 🇬🇷 Greece | 🇮🇳 India | 🇱🇦 Laos | 🇳🇴 Norway
Withdraw Little and Pay in NOK
Most of the cost of getting cash in Norway comes from your own card’s fees and the SGD conversion prompt, not the machine. Take out one modest amount in NOK, decline the SGD conversion, and pay by card for everything else.
Not a YouTrooper yet? Singapore’s go-to multi-currency wallet helps you save with great FX rates and zero fees. Skip the money changer and get a free YouTrip card + S$5 YouTrip credits with code YTBLOG5.
Then, head over to our YouTrip Perks page for exclusive offers and promotions. We promise you won’t regret it. Join our Telegram @YouTripSG and Community Group @YouTripSquad for travel tips, event invites, and more!
Happy travels!
The information stated above is true as of 29 Oct 2026
This guide is written and maintained by the YouTrip content team and checked against Norges Bank’s 2025 payment statistics, DNB’s published card price list, Forbrukerrådet’s guidance on currency conversion and our help centre’s ATM withdrawal rules. Norwegian ATM owners don’t publish foreign-card fees or limits, so those figures come from consumer guides and are labelled as such. We revise it whenever ATM fees, limits or card terms change; this version reflects those sources as of October 2026.
