Norway's banking and finance infrastructure company
Bits AS is owned and governed by Norwegian banks. We coordinate the standards, services and shared systems that make day-to-day payments, settlements and bank-to-public-sector data flows work — quietly, reliably, across the country.
Where Bits operates
Our work splits into two interconnected domains. The first keeps money moving between banks. The second keeps trusted data flowing between banks and public-sector institutions.
Payment infrastructure
Clearing, settlement and payment standards that allow Norwegian banks to interoperate — NICS, BankAxept, BOLS, BRUS, IBAN and the standards that govern them.
ExploreDigitalisation infrastructure
Trusted data flows between banks and the public sector — BankID, DSOP, SBL, consent-based loan applications, real-estate transactions and identification.
ExploreCoordinate, don't compete
Owned by members
Norwegian banks own Bits collectively. We answer to the industry — there are no shareholders chasing margin on top.
Standards over solutions
We facilitate industry-wide standards, host specifications and run shared test environments. Individual banks build the customer-facing products.
Public-sector partner
We work closely with NAV, the Tax Administration, the Brønnøysund Register Centre and Finanstilsynet — and align Norwegian implementations with European standards.
Current initiatives
A snapshot of the digitalisation projects we coordinate today. The Norwegian site has the full, up-to-date list.
Aksjesparekonto-flytting
Sømløs flytting av aksjesparekonto (ASK) mellom banker — uten at kunden mister skattefordelen eller må selge seg ut av markedet.
eFaktura B2B-utvidelse
Utvider eFaktura-rammeverket til å dekke bedrift-til-bedrift-transaksjoner med automatisk avstemming og strukturerte referanser.
Fremtidens avregning
Konseptarbeid for neste generasjon avregnings- og oppgjørssystem. Skal erstatte dagens NICS-kjerne med en moderne, fremtidsrettet plattform.
Fremtidens innkreving
Skatteetatens fornyelse av innkrevingsregimet (FI) — ny innkrevingslov 2026 som forenkler lønnsutlegg, saldo og krav-koordinering mellom kreditorer, arbeidsgivere og banker.
Konkursbehandling
Oppgjør etter dødsfall
Digitalt dødsbooppgjør — arvinger og bobestyrere får rask, sikker tilgang til avdødes bankforhold.
Reach out in English
Our team responds in English. Whether you're a partner bank outside Norway, a journalist covering Nordic financial infrastructure, or a public-sector institution exploring data sharing — we'd like to hear from you.