General Terms for BankID on mobile

What is BankID on mobile?

BankID on mobile is a service for secure digital identification and signing using the mobile phone. You do not need a bank code chip, but only a mobile phone and a custom PIN. BankID on mobile stores the BankID secrets in the SIM card.

BankID on mobile is offered by all operators and almost all banks, and has similar user sites as regular, bank-based BankID. Not all non-bank user sites have enabled login with BankID on mobile. Therefore, it is okay to have regular BankID available. If you lose your phone or change your SIM card, you can use regular BankID to re-enable BankID on mobile.
Who developed behind BankID on mobile?

BankID on mobile was developed by Telenor and the banks in the BankID Collaboration and launched in 2009. Corresponding cooperation between the banking industry and the telecom industry is only available in a few countries. During 2013, all operators and almost all of the banks joined together, and the number of customers with BankID on mobile is growing rapidly.
What can BankID on mobile be used for?

BankID on mobile gives you the same opportunities as regular (bank stored) BankID. It can be used for secure digital identification and signature.
What is the difference between regular BankID and BankID on mobile?

In regular (bank deposit) BankID, the secrets associated with your personal electronic identity are securely stored at the bank. You must therefore enter both your password and security code to use this. In BankID on mobile, the secrets are safely stored in your SIM card. It is therefore sufficient to enter PIN code to use this.
When can all Norwegian consumers use BankID on mobile?

All operators and almost all banks offer BankID on mobile. Log in to your online bank to enable BankID on mobile.
Is there any similar BankID on mobile in other countries?

There are similar solutions in Sweden, Finland, Turkey, Slovenia, Spain, to name a few. There are no known cases of security breaches in these solutions.
What is the process for using BankID on mobile?
1. On the website, choose BankID on mobile for login or other services.
2. The website will ask you to enter your mobile number and date of birth. Once you've done this, a reference code will appear.
3. The site sends a message to the SIM card on your mobile and asks you to confirm the selected service on a given website. The message also contains the reference code and you must verify that this is the same code.
4. You confirm by entering your self-chosen PIN for BankID on mobile (four to eight digits).
5. The SIM card then sends a confirmation back to the site, which can verify your identity. If the verification is ok, the selected service is performed on a given website. This can, for example, sign in to online banking or make payments.
What if I need to change phone or SIM card?

You can change your mobile phone without anything happening to your BankID on mobile. BankID on mobile follows the SIM card, not the mobile phone. When you change SIM card, you must delete the BankID agreement on your mobile and re-enter into a new agreement.
What to do if activating BankID on mobile fails?
Prøv disse triksene om aktiveringen feiler:
- Turn off 4G
- Turn off screensaver
- Turn off 4G/wifi speech
- Close all apps
- Remove SIM card from phone and place it back again
- Place SIM card in different phone and activate. Then move SIM card back to your own phone
Contact your bank if none of the above proves successful.
When I use BankID on mobile, can I continue to use my regular (bank-stored) BankID to log in to online banking?

Yes. If your bank offers both services, BankID on mobile and regular (bank stored) BankID can be used interchangeably. The individual bank will choose when BankID on mobile can be used to log in to their online banking.
Can I throw away the bank code chip/code card when I get BankID on mobile?

As BankID on mobile becomes widespread, you will be able to use this in your daily life. If you need to make technical changes to your BankID on mobile, for example, if you forget a PIN or get a new SIM card, these must be made from online banking. For this, you will still need the bank code chip/code card.

In addition, there are some applications where BankID on mobile is not suitable. This typically applies where there are extensive contractual terms that you want to save, for example, when you need to sign loan agreements or other documents online. Here you will still be dependent on the regular (bank stored) BankID.
Will I also be able to sign electronically with BankID on mobile?

BankID on mobile can be used for signing simple online signing services such as the approval of payments in online banking and online stores. Signing long documents with BankID on mobile, as with a bank code chip and with the BankID password, can be done if you have BankID from one of the major banks.
How secure is BankID on mobile?

You can safely use BankID on mobile if you follow the instructions provided. Keep your PIN secret and take good care of your phone.
Will my BankID be misused by someone who borrows the phone?

After three tries with the wrong PIN, BankID on mobile will be unavailable.

You must keep your PIN secret and not make it available to others. Thus, a borrower or someone else will not be able to misuse the possibilities contained in BankID on mobile. Select a PIN that is hard for others to guess and easy for you to remember. Please choose a long code (up to 8 digits). Never write down your PIN, but learn it by heart.
What is most secure? Login and identification/authentication with regular (bank storage) BankID or with BankID on mobile?

We and the banks consider these equal. You can freely use your BankIDs interchangeably where possible.
If I use BankID on mobile, will my mobile phone become a target for criminals?

The more services that are added to the mobile phone, the more attractive your mobile becomes for criminals. BankID on mobile is protected by PIN and without knowing this, BankID on mobile has no value for criminals.
If I use BankID on mobile, will it be necessary to secure my mobile phone even more?

As with all other electronic utility tools, it's important to be aware of how to use and secure the phone. In the same way as using cards, it is not advisable to enter the PIN code openly. Also, select a PIN that is hard for others to guess and easy for you to remember. Never write down your PIN, but learn it by heart.
To what extent is BankID on mobile secured against virus attacks and other malicious attempts to con?

The solution is well protected from virus attacks on mobile phones because secrets are protected in the SIM card. The SIM card is not affected by virus attacks. It is as safe to use BankID on mobile as with regular (bank storage) BankID.
How secure is BankID on mobile?

You can safely use BankID on mobile if you follow the instructions provided. Keep your PIN secret and take good care of your phone.
Does it create extra vulnerability that sensitive bank information is stored on the mobile in this way?

No sensitive bank information is stored on the mobile phone itself. The secrets associated with your BankID on mobile phone are stored safely on the SIM card and cannot be read from there. It is important that the person who has BankID on mobile keeps the BankID on mobile PIN secret. The PIN makes / selects yourself when you create BankID on mobile.