Phone instalments without BankID

A store sells the phone, while another company may provide the credit. OneCall lists Klarna as its current payment partner. Klarna now requires a signed credit agreement and personal credit limit for Norwegian credit options, using BankID in its published process. A store accepting Visa, Mastercard or Vipps does not establish that those methods can sign the credit agreement.

Explain whether you have a D-number, national identity number, foreign passport and Norwegian address. Ask whether manual identification exists, which documents it accepts, how to sign and whether new customers can use it. We have not established that all operators accept D-numbers for phone finance. Request a written link to the actual process; general assistance buying a phone does not confirm financing eligibility.

A new BankID agreement gives you an electronic identity, rather than guaranteed credit. BankID describes new October 2026 eligibility for D-number holders meeting other requirements, while bank systems can still have limitations. Start with your bank when you need BankID. Start with the finance provider if your credit purchase was declined after identification worked.

Check phones you can pay for in full, including a cheaper or used model. OneCall lists both new and NestenNy used phones and ordinary card payments. Paying with your own money is a different process from instalments. Do not use someone else’s BankID or borrow in another person’s name. BankID is personal; official bank guidance says it must not be given to other people.