Quick answer. Norway is one of the most cashless countries on earth, so for most visitors the honest answer at Oslo Gardermoen (OSL) is that you need no cash at all; a contactless card or phone pays for everything including the train to the city. If you do want a small kroner float, use a DNB or other bank ATM in arrivals (Norwegian bank ATMs add no operator surcharge of their own), and avoid the orange Euronet machines, which add a fee and push DCC. Norway has no Bank of America Global ATM Alliance partner, so a BoA card pays its own 3% fee anywhere; a no-FX-fee card (Wise, Schwab) is cleaner. Always decline DCC and choose Norwegian kroner (NOK). To the city (about 50 km south): the Flytoget airport express train (~19–22 min, ~NOK 230), a cheaper Vy regional train (~23 min, ~NOK 120), or the Flybussen coach, all taking contactless cards.
Where to get Norwegian Kroner at OSL
The key Oslo Gardermoen fact is that you may not need cash at all; a contactless card pays for the airport train and nearly everything else. If you do want kroner, use a bank ATM (DNB or the shared bank machines) and avoid the orange Euronet units and the exchange counters. The cost math below assumes you withdraw or exchange the equivalent of $100.
| Option | Where | Markup | Total Cost |
|---|---|---|---|
| DNB / bank ATM (OSL arrivals, no surcharge) | Arrivals area | Interbank rate, no operator fee | ~$100 + home-bank fee only |
| Just use a contactless card (no cash needed) | Everywhere, incl. the airport train | Interbank rate on a no-FX-fee card | ~$100 |
| Forex Bank exchange counter (OSL) | Arrivals | A few percent off interbank; fair for a changer but behind a card | ~$96-98 |
| Euronet ATM (orange, OSL) | Arrivals / transit | Operator fee + DCC pitch | ~$88-93 |
| Accepting DCC at any machine | Anywhere | +4-12% if you choose 'charge in USD' | ~$88-96 |
Where to find the DNB and bank ATMs at Oslo Gardermoen (OSL)
Oslo Airport Gardermoen (OSL) is Norway's main international gateway, about 50 km north of the city centre near Eidsvoll, with a single large terminal (a domestic and an international pier under one roof). The most important thing to know is cultural rather than logistical: Norway is so thoroughly cashless that most visitors complete an entire trip without touching a banknote, paying for everything (including the airport train) by contactless card or phone, with locals using the Vipps mobile-pay app. So the first question at OSL is not 'which ATM' but 'do I need cash at all', and for most people the answer is no. If you do want a small kroner float, the bank ATMs in arrivals (DNB and the shared bank machines) dispense NOK at the interbank rate and Norwegian banks do not add their own operator surcharge. The machines to avoid are the orange Euronet ATMs, which add an operator fee and aggressively push dynamic currency conversion. Norway has no Bank of America Global ATM Alliance partner, so a BoA card pays its standard 3% non-network fee at any Norwegian ATM; a no-FX-fee card is the better tool. Whatever you use, decline DCC and choose Norwegian kroner.
Main Terminal (domestic and international piers)
Norwegian, SAS, Widerøe, and Flyr-successor domestic services, plus international carriers including SAS, Norwegian, KLM, Lufthansa, British Airways, and the United/SAS transatlantic connections. Oslo Gardermoen is a single integrated terminal with separate domestic and international piers under one roof
Bank ATMs (DNB and the shared bank-network machines) are in the arrivals area; they add no operator surcharge on foreign cards. Avoid the orange Euronet machines, which add a fee and push DCC. The Forex Bank exchange counter is also present but trails a bank ATM and a card. Withdraw only a small float if any, decline DCC, choose Norwegian kroner, then head down to the train station directly beneath the terminal.
Do you actually need cash at Oslo Gardermoen (OSL)?
No, for almost everyone. The Flytoget and Vy trains, the Flybussen coach, taxis, and rideshare all take cards, and Norway is one of the most cashless countries anywhere. Here is what works on a card, and the narrow cases where a little cash still helps:
Flytoget airport express train (to Oslo S) (~NOK 230 one way): Fastest option, ~19-22 min to Oslo Central, departures every 10-20 min. Tap a contactless card at the gate. Station directly under the terminal.
Vy regional/intercity train (to Oslo S) (~NOK 120 one way): Same route a little slower (~23 min) for roughly half the Flytoget price. Buy with a contactless card at the machine or in the Vy app.
Flybussen airport coach (~NOK 200 one way): To the Oslo bus terminal and various city hotels. Useful with heavy luggage; pay by card on board or in the app.
Taxi / rideshare (~NOK 800-1,100 to the centre): Pricey for the 50 km run; the train is far cheaper and faster. Cards accepted; Bolt and Uber operate in Oslo.
⚠ DCC trap. When the ATM or terminal asks if you want to be charged in your home currency instead of the local currency, always decline and choose the local currency. Accepting locks in a 3-13 percent markup that your no-FX-fee card cannot undo. Full DCC explainer →
Frequently Asked Questions
Do I need cash to get from Oslo Gardermoen (OSL) to Oslo?
No. Flytoget airport express train (to Oslo S) accepts contactless. Most taxis accept cards. Uber and other apps are card-only.
Can I order Norwegian Kroner before flying?
Yes. CEI Currency Exchange ships physical Norwegian Kroner to your US address in 2-5 days at rates well below airport counters. Order 50-100 Norwegian Kroner for taxis and tips on day one.
Do I actually need any cash in Norway?
For most visitors, no. Norway is one of the most cashless societies in the world: contactless cards and phones pay for everything from the airport express train and city buses to museums, cafes, kiosks, and even many market stalls, and locals lean heavily on the Vipps mobile-pay app. You can realistically spend a week in Oslo without withdrawing a single krone. The narrow exceptions are the odd rural bus, a remote mountain hut, a flea-market stall, or a church collection box. If you want a small NOK cushion for those, withdraw a modest amount from a DNB or other bank ATM, but do not feel obliged to load up on cash on arrival the way you would in a cash-first country.
Which ATM at Oslo Gardermoen is best, and which should I avoid?
Use a bank ATM (DNB and the shared bank-network machines in arrivals) and avoid the orange Euronet units. Norwegian bank ATMs dispense kroner at the real Visa or Mastercard interbank rate and do not add their own operator surcharge, so you pay only your home bank's fees. The Euronet machines you will spot in the arrivals and transit areas add a per-withdrawal operator fee and push DCC (the 'charge in your home currency' offer), which can cost 7–12% combined. At any machine, decline DCC and choose Norwegian kroner. Because Norway is so cashless, withdraw only a small float; you will likely pay for almost everything by card anyway.
Is there a Bank of America Global ATM Alliance partner in Norway?
No. None of the Norwegian banks (DNB, SpareBank 1, Nordea, Handelsbanken) belong to the Bank of America Global ATM Alliance, so a BoA debit card pays BoA's standard 3% non-network fee at any Norwegian ATM, on top of nothing extra from the Norwegian bank itself (the banks add no operator surcharge). There is no fee-free option for BoA cards here. The cleaner setup is a no-foreign-transaction-fee card such as Wise or Charles Schwab, which gives the real interbank rate and, in Schwab's case, refunds ATM operator fees worldwide. And because Norway is so cashless, you may barely use an ATM at all.
How do I get from Oslo Gardermoen to the city centre?
Three good options for the roughly 50 km south to central Oslo. The Flytoget airport express train is the fastest, running from the station directly under the terminal to Oslo Central (Oslo S) in about 19–22 minutes for around NOK 230, with departures every 10–20 minutes; tap a contactless card at the gate or buy at the machine. The Vy regional/intercity trains cover the same route a little slower (about 23 minutes) for roughly half the price (around NOK 120), and also serve Oslo S. The Flybussen airport coach runs to the bus terminal and various hotels. All take contactless cards, so you need no cash to leave the airport.
Can I order Norwegian kroner before flying?
You can, but you may not need to. CEI Currency Exchange ships physical Norwegian kroner to your US address in 2–5 days at a rate below the airport counters, which is handy if you simply prefer to arrive with a little cash in hand. But Norway is so card-and-phone-driven that most travelers spend essentially nothing in cash, so a small amount goes a very long way. The cleanest setup is a no-FX-fee card (Wise or Schwab) for everything, including the airport train, plus at most a small NOK float for the rare cash-only situation, which you can pull from a bank ATM if and when you actually need it.