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Common in Norway

Scam in NorwayChanging money

Expensive currency exchange in Norway

Staffed exchange counters, banks and post offices across Norway.

How it works

The exchange rate can leave you with much less money than expected. Most staffed exchange transactions have a substantial rate markup, sometimes with a fixed fee as well. This is a cost trap rather than proof of fraud.

Warning signs

  • The offered rate is much worse than the mid-market rate.
  • A fixed fee is added to the exchange.
  • You are shown a rate without a clear final payout.

How to avoid it

  1. Ask how many Norwegian kroner you will receive after all fees.
  2. Compare the final payout before handing over money.
  3. Consider paying by card or withdrawing kroner from an ATM.
  4. Check your bank's card and withdrawal fees.

If it happens to you

Keep the receipt. If the payout differs from what was agreed, ask the provider to explain or correct it.

  1. Get somewhere safe. Call 112 if someone threatens you or you are in immediate danger. Call 113 for a medical emergency.
  2. Stop further losses. Freeze missing cards, contact your bank and remotely lock a stolen phone.
  3. Save evidence. Keep receipts, booking details, screenshots and messages. Note the time, place and taxi licence number if relevant.
  4. Report the incident to police. For non-emergencies, call 02800 from within Norway. Ask for a report reference.
  5. Contact the taxi company, booking app, merchant or card issuer about disputed charges. Explain what happened and provide the evidence.
  6. Contact your insurer if you need to claim. If your passport was stolen, contact your embassy or consulate for help.
What it can costThe rate can be up to 8% worse than the mid-market rate, plus a fixed fee. A post-office exchange fee can be up to 75 kr.
Where it happensStaffed exchange counters, banks and post offices across Norway.

What travellers report

Posts about this scam on other sites, summarised in our words. Open one to read the original.

More scams in NorwayInflated street-hail taxi fares in Oslo: how to avoid it

Questions

What is the expensive currency exchange scam in Norway?

The exchange rate can leave you with much less money than expected. Most staffed exchange transactions have a substantial rate markup, sometimes with a fixed fee as well. This is a cost trap rather than proof of fraud.

How can I spot it early?

The offered rate is much worse than the mid-market rate. A fixed fee is added to the exchange. You are shown a rate without a clear final payout.

How do I avoid expensive currency exchange in Norway?

Ask how many Norwegian kroner you will receive after all fees. Compare the final payout before handing over money. Consider paying by card or withdrawing kroner from an ATM. Check your bank's card and withdrawal fees.

What should I do if it happens to me?

Keep the receipt. If the payout differs from what was agreed, ask the provider to explain or correct it.

Where in Norway does this happen?

Staffed exchange counters, banks and post offices across Norway.

How much can it cost me?

The rate can be up to 8% worse than the mid-market rate, plus a fixed fee. A post-office exchange fee can be up to 75 kr.

How common is this scam in Norway?

Common. Norway has low crime levels, and common tourist scams are rare. The main risks are car break-ins, bicycle theft, pickpocketing and high taxi charges, especially when hailing a taxi in Oslo. Currency exchange and payment conversion can also cost you extra, though these charges are not necessarily scams.

Are there similar scams in Norway?

Yes: poor exchange rates when paying in euros.

Who can I report it to?

Police: call 112 for an emergency or immediate danger. For a non-emergency, call 02800 from within Norway. Report theft, robbery or suspected fraud and keep the report reference. Police in Bergen: the downtown police station is at Allehelgens gate 6, across from the old town hall. The listed non-emergency number is +47 55 55 63 00. Taxi company or booking app: use the company's customer service or the app's support option. Include the receipt, price quote, trip details and taxi licence number. For driver delays or false pickup locations, include screenshots and messages. Card issuer or bank: use your banking app or the issuer's official contact details to freeze a stolen card and report unauthorised or disputed charges. Embassy or consulate: contact your country's embassy or consulate if your passport is stolen or you need consular help. Many consulates in Bergen are honorary and have limited services; your embassy in Oslo may be needed. Travel insurer: contact the insurer through its claims service. Keep police references, receipts and proof of loss.

What number do I call in an emergency in Norway?

Police and help reaching the correct rescue service: 112, Fire: 110, Emergency medical services: 113, Non-emergency police, within Norway only: 02800, Non-emergency medical care, within Norway only: 116117, Emergency services for people using a text telephone: 1412.

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