Bankoverføring
Bank transfer is the most common payment method for freelancers in Norway. You include your bank account number on the invoice, and the client transfers the amount directly. Most Norwegian banks process domestic transfers within one business day.
For business-to-business invoices, you can also include a KID number (customer identification number) to help the client's accounting system match the payment to the invoice automatically. Many invoicing tools generate KID numbers for you.
Bank transfer is free, reliable, and works well for most freelance situations. The main downside is that it requires the client to actively initiate the payment, which means you depend on them paying on time.
Vipps
Vipps is widely used in Norway for person-to-person payments, but it is less common for business invoicing. Vipps Faktura allows businesses to send invoices directly to customers' Vipps apps, making it easy for the recipient to pay with a tap.
For freelancers, Vipps can be useful for smaller, informal assignments — such as tutoring or small creative projects. However, it is not a substitute for proper invoicing with sequential numbers and VAT compliance. If you use Vipps for payment, you still need to issue a compliant invoice for your records.
Internasjonale betalinger
If you work with clients outside Norway, receiving payments becomes more complex. International bank transfers (SWIFT) can take several days and involve fees on both ends. The exchange rate applied may also differ from the market rate.
Services like Wise (formerly TransferWire) offer lower fees and better exchange rates for international transfers. Some freelancers also use PayPal, though fees can be significant — typically 2-3% plus currency conversion costs.
When invoicing international clients, make sure your invoice includes your IBAN and BIC/SWIFT code. Specify the currency clearly and consider who bears the transfer fees. Including clear payment instructions reduces delays and confusion.
Arbeid med flere valutaer
If you invoice in foreign currencies, you need to handle currency conversion for your Norwegian tax reporting. Income must be reported in NOK, so each payment needs to be converted at the exchange rate on the date of payment or the date of the invoice, depending on your accounting method.
A multi-currency bank account can simplify this. Several Norwegian banks offer accounts in EUR, USD, and other major currencies, allowing you to hold foreign currency and convert it at a time of your choosing.
Payout Partner-tilnærmingen
Payout Partner simplifies payment collection for freelancers. When you send an invoice through the platform, the client pays Payout Partner directly via bank transfer or EHF. Once payment is received, Payout Partner processes it and pays you — either as salary (for salary service users) or passes it through (for company invoicing users).
This means you do not need to worry about matching incoming transfers to invoices. The platform tracks payment status so you can see which invoices are paid or outstanding at any time.