Understanding AvtaleGiro: Norway's Efficient Payment Solution

In the landscape of financial transactions, Norway boasts an efficient and user-friendly system known as AvtaleGiro. This payment mechanism simplifies recurring bill payments, offering convenience and time savings for both individuals and businesses. As we delve into the workings of AvtaleGiro, it's clear why it's become a preferred choice for managing regular payments in Norway.

What is AvtaleGiro?

AvtaleGiro is an automated direct debit service that allows consumers to pay their bills directly from their bank accounts without the need for manual intervention for each transaction. Once a payment agreement is set up, the specified amounts are automatically deducted from the customer's bank account on due dates. This service is a collaboration between Norwegian banks and the BankID system, ensuring a high level of security and trust.

How Does AvtaleGiro Work?

Setting up AvtaleGiro involves a simple authorization process where the customer agrees to allow a business or service provider to debit their account for payments due. This can typically be done through the customer's online banking portal, where they select the bills they wish to pay via AvtaleGiro, and authorize the service by signing with their BankID.

The process involves the following steps:

  1. Authorization: The payer gives consent to the payee for the direct debit setup.

  2. Notification: Before each payment, the payer receives a notification about the upcoming amount to be deducted, providing transparency and control over their finances.

  3. Payment: On the due date, the payment is automatically deducted from the payer's account.

Benefits of AvtaleGiro

AvtaleGiro offers several benefits that make it an attractive option for managing payments:

  • Convenience: Eliminates the need for manual payment of bills, saving time and effort.

  • Timeliness: Ensures that payments are made on time, avoiding late fees and service interruptions.

  • Control and Transparency: Payers receive advance notifications about the amounts to be deducted, and they can usually cancel or modify payments if necessary before the due date.

  • Security: Utilizes BankID for secure authorization and transactions.

Applications of AvtaleGiro

AvtaleGiro is versatile and can be used for a wide range of recurring payments, including but not limited to:

  • Investments and savings plans: Invest in stocks, funds etc.

  • Utility Bills: Electricity, water, and gas.

  • Telecommunications Services: Mobile phone bills, internet, and cable TV subscriptions.

  • Insurance Premiums: Health, car, and home insurance policies.

  • Subscriptions and Memberships: Magazines, gym memberships, and club dues.

  • Municipal Charges: Such as property taxes or waste collection fees.


AvtaleGiro stands as a testament to Norway's commitment to facilitating seamless and efficient financial transactions. By automating the process of paying regular bills, it not only enhances convenience for users but also promotes timely payments, benefiting both consumers and businesses. As digital finance continues to evolve, systems like AvtaleGiro play a crucial role in streamlining economic activities, making everyday financial management easier for everyone involved.

Available to activate in Bricknode

AvtaleGiro can be activated instantly in Bricknode so that you as a financial institution can offer this service to your end customers for anything from simple payments to complex recurring savings and investment plans.


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