Vipps MobilePay review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Vipps MobilePay is a Norwegian payment app for everyday shop spending at a monthly fee of NOK 0. It suits people paying in Norway, plus business and teen users, and anyone wanting a broad multi-currency current account will want a bank.
Key facts
- Best for
- No-cost app payments in Norway for people, teens and businesses.
- Monthly fee
- NOK 0↗
- Licence type
- E money↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Transfer fee
- 1.75% - 2.99% + 1 NOK per transaction↗
- Legal entity
- Vipps Mobilepay AS↗
- Headquarters
- Norway↗
- Founded
- 2013↗
- Support channels
- Email, Chat, Phone, Help-centre↗
- Audience
- Business, Teens
- Pricing model
- No monthly fee
- Official website
- vippsmobilepay.com
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
Pros and cons
Pros
- Holding the account is free: the monthly fee is NOK 0.
- Balances sit under the EU deposit guarantee scheme, which covers EU DGS up to EUR 100,000.
- Support runs on email, chat and phone, so a phone line, chat, email and a help centre are all listed.
- It is an e-money firm supervised by the Norwegian Financial Supervisory Authority (Finanstilsynet) under licence PSD_EMI FT00103719.
Cons
- Sending money costs 1.75% - 2.99% + 1 NOK per transaction, so frequent transfers add up.
- The safety net is an e-money balance under the EU deposit guarantee scheme at EU DGS up to EUR 100,000, rather than a wider banking guarantee.
- The audience it lists is business and teen, and the firm sits in Norway under the Norwegian Financial Supervisory Authority (Finanstilsynet), making it a single market choice.
Who it suits
- Anyone in Norway paying in shops who wants a monthly fee of NOK 0.
- Business users taking and making payments, one of the audiences the service lists.
- Teen users paying in shops, the other audience the service names.
Who should look elsewhere
- People who want a card-led account, since AXI Card's monthly fee is €0 and its name points to card and credit rather than app payments.
- Anyone comparing an investment-led account, where XTB's monthly fee is also €0 and the service is a different kind of provider.
- Frequent money senders, since each payment here costs 1.75% - 2.99% + 1 NOK per transaction, so a transfer-first option such as Skrill at a monthly fee of €0 may fit better.
The company behind it
Vipps MobilePay is run by Vipps Mobilepay AS, founded in 2013 and based in no. It holds an e-money licence under the Norwegian Financial Supervisory Authority (Finanstilsynet), with licence number PSD_EMI FT00103719. Support runs on email, chat and phone, which includes a phone line as well as written help. The legal entity and the licence number are the details to check before you open anything.
How Vipps MobilePay compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0A transfer-first option for people who send money more often than they pay in shops, with a monthly fee of €0.
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where Vipps MobilePay is available
- Available
- Denmark, Finland, Norway
- Licence in Norway
- Norwegian Financial Supervisory Authority (Finanstilsynet), checked September 26, 2026
- Licence in Denmark
- Danish Financial Supervisory Authority, checked September 26, 2026
- Licence in Finland
- Finnish Financial Supervisory Authority, checked September 26, 2026
- Licence in Norway
- NO_FSA (PSD_EMI FT00103719), checked September 26, 2026, also valid in Norway, Sweden
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does Vipps MobilePay cost to hold?+
There is a monthly fee of NOK 0 on the account, and the service is built around a model with no monthly charge. What it does charge for is moving money, so holding the account is the cheap part.
What does it cost to send money?+
Sending a payment costs 1.75% - 2.99% + 1 NOK per transaction. That is the charge that matters if you use the service to move money rather than to pay a shop till, and it sits on top of a monthly fee of NOK 0.
Is my money protected?+
Balances sit under the EU deposit guarantee scheme, which covers EU DGS up to EUR 100,000. The firm is an e-money institution rather than a bank, so the cover comes from that scheme and the licence number rather than from a bank.
Who regulates Vipps MobilePay?+
The Norwegian Financial Supervisory Authority (Finanstilsynet) is the regulator, and the licence number is PSD_EMI FT00103719. The licence type is e-money, and the legal entity behind the service is Vipps Mobilepay AS.
When was it founded and where is it based?+
The service was founded in 2013 and is run by Vipps Mobilepay AS, based in no. It is a Norwegian company, so Norwegian rules and the local support setup shape how the account works.
How do I get help?+
Support runs on email, chat and phone, which covers a phone line, live chat, email and a self-serve help centre. The help centre is the first place to look for fee and transfer questions before you contact anyone.
Who is Vipps MobilePay built for?+
The service lists business and teen users as its audience, and a monthly fee of NOK 0 makes it easy to run alongside another account. It is aimed at everyday shop payments rather than savings, investing or a broad multi-currency wallet.
Sources
- euclid.eba.europa.eu/register/downloads/PSDMD/20260926/do... checked September 26, 2026
Backs: Headquarters, Legal entity, Licence type, Licences
“EntityCode=FT00103719; EntityType=PSD_EMI; ENT_NAM=Vipps Mobilepay AS”
- help.vippsmobilepay.com/en-NO/articles/does-it-cost-anyth... checked September 26, 2026
Backs: Pricing model, Monthly fee
“No, there are no fees for Vipps payments to businesses - whether you are paying with Vipps to an online store, in a physical store, or at a flea market.”
- help.vippsmobilepay.com/en-NO/contact-us checked September 26, 2026
Backs: Support channels
“During these times, you can talk to skilled people from our customer center, both via chat and by phone. ... If you would like to talk to us by phone, call us on +47 24 24 05 10.”
- vippsmobilepay.com/en-NO/about checked September 26, 2026
Backs: Audience, Founded
“whether you want to open a food truck at a flea market, a dessert shop downtown or a branch of the country's largest superstore, with Vipps MobilePay you can go wherever your business takes you”
- vippsmobilepay.com/en-NO/pricing checked September 26, 2026
Backs: Transfer fee
“The prices shown on this website reflect our standard business tier ... Payment links 2,49 % + 1 NOK per transaction ... Recurring payments 2,99 % + 1 NOK ... Mobile Point-of-sale 1,75 % per...”
- vippsmobilepay.com/en-NO/terms-and-conditions checked September 26, 2026
Backs: Deposit protection
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Currencies.
Related by the facts
Vipps MobilePay
No-cost app payments in Norway for people, teens and businesses.