ATMs are widely available, and credit cards are accepted almost universally for transactions, including at hotels, shops and restaurants, and on taxis, ferries and buses.
The most convenient way to bring your money is in the form of a debit or credit card, with some extra cash for use in case of an emergency.
'Mini-Banks' (the Norwegian name for ATMs) are widespread and most accept major credit cards as well as Cirrus, Visa Electron and/or Plus bank cards. Check your bank's fees for international withdrawals and transactions; it's sometimes worth getting yourself a travel-focused pre-paid debit card to use instead.
Don't assume that all banks will change money: in some places you may need to shop around to find one that does. Rates at post offices and tourist offices are generally poorer than at banks, but can be convenient for small amounts outside banking hours.
Credit & Debit Cards
Norway is well on its way to becoming a cashless society – you'll find the vast majority of transactions these days are by card. Visa, Eurocard, MasterCard, Diners Club and American Express cards are widely accepted throughout Norway. If your card is lost or stolen, report it immediately.
The Norwegian krone (plural kroner) is most often represented either as NOK (preceding the number) or simply kr (following the amount). Lonely Planet uses kr. One Norwegian krone (1kr) equals 100 øre, though øre are now no longer used for cash transactions; the price is simply rounded to the nearest krone.
For current exchange rates, see www.xe.com.
Tipping on a North American scale is not expected, though is appreciated.
- Service charges Service charges and tips are included in restaurant bills and taxi fares.
- Reward service If the service has been particularly helpful in a midrange to top-end restaurant, 5% is generally appropriate, while 10% is considered generous.
- Paying by credit card If you're paying by credit card in a restaurant, space will be left for adding a tip.
Travellers cheques are almost defunct these days; post offices, some tourist offices and banks will still exchange them, but their days are definitely numbered.