General Terms for BankID

Where do I get BankID?

Each bank is responsible for issuing, informing and providing customer support to its customers with regards to BankID (in the same way as issuing payment cards). Please contact your bank for assistance. You can contact your customer service consultant or order BankID in your online banking if your bank has arranged this.
What is BankID?

BankID is a personal and easy electronic credential for secure identification and signing online.

In the physical world, you are identified through your passport, driver's license or bank card. In the online world, you can use your BankID to confirm who you are. In the physical world, you use ballpoint pen when signing a contract. In the online world you will be able to use your BankID to sign documents and messages electronically.

By using your personal registration number, the code you receive from the bank code chip or text message, code card, app, etc. and the personal password you have chosen, provides access to your BankID.

The bank code chip (or other one-time-code solution) is often taken to be BankID, but BankID is the electronic certificate that is stored centrally at Nets.

The banks have different types of one-time-code solutions. For example, it may be sms, a pre-coded card, an electronic code tag that generates disposable codes, apps, or a card-reader card.

Many people want a solution without a bank code chip. You can then activate BankID on mobile from online banking or use a one-time-code app if the bank has this.
Who is responsible for BankID?

BankID is offered by banks in Norway and is based on a common infrastructure developed by the banking industry as a whole.
I have forgot my password. What to do?

Follow the instructions from your bank to reset your BankID password. Find your bank and set a new password. In some banks you can request a temporary password from the online bank. In other banks you need to make contact to receive support in getting a new password.
How do I block my BankID?

You block your BankID by contacting the bank you have a BankID with. Contact the bank once you suspect that your password and code have been compromised and the BankID will be blocked immediately. You can also change your password easily on My BankID at bankid.no.
What do I do if my BankID is blocked?

Your bank is responsible for providing information and user support in terms of BankID. Contact your bank if you experience that BankID has been blocked.
Are there any rules for creating the password?

Your password must be at least 6 characters and max 255 characters. If you create a new password, it must be at least 8 characters. It is not case sensitive.
Can youngsters order BankID?

The age limit varies between 13 and 15 years. Contact your bank to find their respective limit. If under 18 you will in most cases need help and approval from parents. In certain banks parents can order BankID on behalf of you through the online bank. To receive BankID you need an online bank, bank account and identification with passport.
How do I know if I have BankID?

Not all bank customers who have bank code chips have BankID. The bank code chip is used both for alternative logging in with or without BankID. This alternative login method with bank code chip and code can only be used for access to one’s own online banking. If you are in doubt as to whether you have BankID or not, contact a bank or perform the test here.

Contact your bank to get BankID. In many banks, you can order BankID yourself in your online banking. Then you will have an electronic ID that can be used for accessing public web pages, digital mailboxes, online bidding, secure online payments and much more.
How long is my BankID valid?

Your BankID is usually valid for two years. BankID is automatically renewed by the bank when in use, but it will become invalid if it´s not used for two years.

There may be changes and upgrades in the solution that may force renewal at an earlier date.
Can I get more BankIDs?

You can get BankID from all banks with which you have a customer relationship. However, one and the same BankID can be used across banks and other user sites.
From which bank have I received my BankID?

Log in to Min BankID øverst til høyre på bankid.no. There you are able to see the bank that is responsible for your BankID.
What is the difference between regular BankID and BankID on mobile?

In regular (bank stored) BankID, the secrets of your personal electronic identity are securely stored in a vault. You must therefore enter both your password and a one-time-code to use BankID.

In BankID on mobile, the secrets are safely stored in your SIM card. It is therefore sufficient to enter your PIN code to use BankID on mobile.
Can I get rid of my code device when I get BankID app or BankID on mobile?
No. Although BankID app or BankID on mobile are sufficient for daily use, the code device may come in handy.
- If you forget your PIN or receive a new SIM card, you need your code device to activate BankID on mobile again.
- If you are to download the BankID app on a new phone you will need to log in with BankID to activate the app.
- If you are to sign documents digitally with BankID on mobile you also need the BankID password coming either from the app or the code device.
We are working on making BankID simpler, so that the code device will be redundant in the future.
How do I change my password?

You can change your personal password for BankID while logging in with BankID. Select "Change password" in the menu in the right corner. Password can also be changed through "My BankID" on bankid.no/privat. Remember to create a unique password to be safe.
Ordering a new bank code chip. What do I do?

If you need a new bank code chip or other one-time code solution, contact your bank. The banks provide you with a one-time-code solution for your BankID.
What is meant by electronic signing?

Using your BankID, you can electronically sign agreements, documents, contracts and the like. This signature is, with a few exceptions (for example, a will and testament) as legally binding as an agreement signed with a pen.
How do I sign?

You will first be presented with the document / text you must sign. After reading what is being signed, you must check that the document / text has been read and understood.

The next picture is the signature. You sign using your personal registration number (may be pre-filled - for example, in your online bank), one-time-code from your bank code chip (or another one-time-code solution) and your personal password.

In some cases, you will have the option to save the document. We recommend that you save this so that you have access to the signed document later.
Does BankID cost anything?

The individual bank issues BankID to its customers and determines the price of its services. Please contact your bank for information on prices and terms.
Can I sign digitally on behalf of the company?

Yes. Similar to the way you now sign with pen on behalf of your company you can also use your personal BankID to sign digitally. Digital signings are considered equal with physical ones. Thus, if you possess the rights to sign on behalf of your company there is nothing in the way of signing digitally with BankID.
How do I check if a document has been signed?

You can easily see whether a document signed with BankID is valid and who has signed it in Adobe Acrobat.
How do I find signed documents again?

Documents you have stored on your computer can be retrieved using the "Document Overview" available on www.bankid.no, on the website in which you provided your signature, or in your online banking.
Is BankID safe?

Yes, we are constantly working to ensure BankID security. Threats are constantly changing, and this means that good cooperation between banks is necessary. In addition to security, we are concerned with ease of use. These two factors can be difficult to combine, and a lot of resources are put into making BankID both a safe and user-friendly solution.
What if I have been scammed?

Contact your bank immediately if you believe that you have been scammed. If your BankID has been abused to take money from your online bank account, your bank is responsible according to Finansavtaleloven.

However, this does not apply if you have demonstrated gross negligence or made contact with your bank as quickly as possible after becoming (or should have become) aware of the danger.

The bank's responsibility is limited to 100 000 NOK.

If you suspect that someone have your personal password for BankID, change your password immediately at Min BankID.
What responsibility does the bank have for fraud/abuse?

There is no liability limit for the bank if your BankID is misused to log into online banking and the account is lost. This applies to the Financial Agreement Act, and the Bank has full responsibility under this Act unless the Customer has committed gross negligence or has not informed the Bank as soon as possible after the Customer became or should have realized that he or she had "lost" the BankID login mechanisms.

Therefore, the BankID Agreement Limitation of Liability has, first and foremost, significance where BankID is used for other than the disposal of an account. In this case, there is a limit to the bank's liability as a bank account of NOK 100,000.
When is it necessary to block my BankID?

If you suspect that someone has gained knowledge of your BankID password, you must either change the password yourself in the BankID-tab (Select menu and Change password) or go to My BankID at bankid.no, or contact the bank immediately. You should also contact the bank if your bank code chip is lost or stolen.