My credit card keeps declining in Norway and I have enough money on there and all international transactions are activated - what do I do?
Norway is very card-friendly, though my Visa was once declined at an ATM in Stavanger. DNB Bank worked every time after. Shops, restaurants, and even remote attractions all accept cards. For daily spending, plan 800-1,000 NOK if you’re eating in restaurants and taking public transport. If your card declines, just switch ATMs-foreign cards generally work in the major banks. Cash is barely needed in Norway, but keep 200 NOK just in case.
On my trip, I had no major issues in Norway except one decline at a small café in Tromsø. SpareBank 1 ATMs always worked for me. Cards are accepted almost everywhere, from supermarkets to ferries to museums. Budget about NOK 700-900 daily if you’re sightseeing and eating out. If your credit card keeps declining, try another ATM or use contactless-it’s the most common payment method. Norway is one of the easiest countries for card use.
I faced a card decline at a Coop supermarket in Oslo, but my Mastercard worked everywhere else. Nordea and DNB ATMs were reliable. Norway is extremely digital-trains, buses, and even kiosks accept cards. Daily costs are high; expect NOK 800-1,000 for meals, transport, and attractions. If your card keeps failing, it’s often a terminal issue rather than your bank. Having a backup card or Apple/Google Pay linked helps. Cash is rarely needed, but I carried some just in case.
Norway is highly cashless, but I had my Visa declined once at an ATM in Bergen. DNB Bank ATMs worked fine afterwards. Shops, restaurants, and public transport almost everywhere take cards, even in smaller towns. Budget NOK 700-900 per day for meals, ferries, and attractions like the fjord cruises. If your card keeps declining, try a different bank ATM or enable contactless payments, which are widely used. Carry a little cash (200 NOK) for emergencies, but Norway runs mostly on cards.