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SUPERMARKETS

Everything you need to know about supermarkets in Norway 

When it comes to Norwegian supermarkets, there are several things you should know, such as the loyalty schemes that offer cashback and the stores that are the cheapest overall.

Pictured is a supermarket.
There are a number of key things you need to know about supermarkets in Norway. Pictured is a supermarket. Photo by Tabrez Syed on Unsplash

The chains 

There are four large supermarket groups in Norway. These are Norgesgruppen (which runs Jakobs, Kiwi, Meny, Spar, Joker and Nærbutikken), Coop (Coop Extra, Coop Mega, Coop OBS, Coop Prix), Rema and Bunnpris. 

Out of those options, Rema, Kiwi and Coop Extra have long positioned themselves as the cheapest option available to consumers. 

With Coop, in particular, it’s worth checking the store type as it could determine how much you pay for groceries despite the different stores belonging to the same chain

Furthermore, stores like Meny and Jakobs try to position themselves as the more upmarket option for discerning customers. 

In addition, these two, along with Coop Mega, will have a larger and more varied product selection. 

Other supermarket groups, like the British chain Iceland, have tried to get a foothold in the market to little effect. For example, Iceland has a single store remaining, where once it had five. 

Why are groceries so expensive?

Groceries in Norway are among the most expensive in Europe. Part of the reason for that is that a handful of chains dominate the market. 

They also implement several other clauses, making gaining a foothold harder for other chains. For example, when closing a store, they may put a block on other chains being able to take over. 

Secondly, the larger chains negotiate the best deals or sign exclusivity contracts with suppliers to try to muscle smaller players out of the market. Norway’s government has previously said it would do away with these rules, but things are yet to change. 

The lack of competition as a result of this domination is one factor however other things contribute to high grocery costs. 

Norway only produces around 50 percent of the food it needs to feed its population, and there are several initiatives to try and keep Norwegian farms competitive. There are high tolls on meat and dairy from abroad

Farms in Norway are also relatively small compared to other parts of the world, and there are strict laws on the welfare of animals. This makes farming less profitable, so farmers sell their produce for much higher prices than other countries.

Loyalty schemes 

Norway’s supermarkets offer many excellent loyalty schemes, with benefits coming in the form of exclusive discounts and cashback. 

Rema’s loyalty scheme, Æ, is a smartphone app that anyone over 15 with a Norwegian mobile number and a smartphone can use.

Parents receive discounts on childcare products, and you receive 10 percent off all fresh fruit and vegetables and 10 percent off of your 10 most frequently bought items, meaning you can save money on the things you buy the most.

You can also sign up for their personal price cut scheme to receive tailor-made promotions.

Trumf covers three supermarket chains in Norway as well as convenience-store-cum-supermarket Joker.

With Trumf you get cashback, or a “Trumf bonus”, every time you shop. The Trumf bonus/cashback is deposited straight into your Trumf account after making a purchase with a card linked to your Trumf account.

There are also periods where Triple Trumf is triggered and customers receive three percent cashback. 

To access Coop’s loyalty discounts, you must become a member and part-owner of the business. The big drawback to this is that to become a member, you’ll have to pay 300 kroner to become a part-owner.

Once signed up, you will get a one percent purchase dividend, in the form of cashback, on everything you purchase. The dividend is automatically credited to your member account, and you can earn a small amount of interest on it. The dividends are transferred into your account once a year.

Trading hours 

There are a number of trading laws to be aware of, too. For starters, stores in Norway cannot sell any alcohol stronger than 4.75 percent. 

They also cannot sell alcohol on Sundays, or past 8pm on weekdays and 6pm on Saturdays.

Almost all supermarkets are closed on Sundays and public holidays too. Smaller stores with limited trading space and supermarkets and shops in touristy areas can remain open. 

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MONEY

Vipps MobilePay: Will cross-border payments be rolled out across the Nordics before the summer?

2024 is turning out to be a big year for e-payment apps across the Nordics, but is there any chance that you will be able to use Vipps MobilePay across borders before the summer starts?

Vipps MobilePay: Will cross-border payments be rolled out across the Nordics before the summer?

The landscape of e-payment solutions is growing rapidly in Scandinavia, spurred on by the increased reliance on digital transactions, particularly during the COVID-19 pandemic.

IN NUMBERS: How close is Denmark to becoming cash-free?

Among the players driving this transformation is Vipps MobilePay, the result of the 2022 merger of Norwegian e-payment giant Vipps and Danske Bank’s MobilePay, which has set ambitious goals for delivering a unified platform that can be used throughout the Nordic region.

But will consumers in Norway, Denmark, and Finland see the rollout of Vipps MobilePay before the summer begins?

New apps in Finland and Denmark

Since the merger of Vipps and MobilePay in 2022, the combined company has been working towards creating one app and one technological platform that can serve users across the Nordic countries.

In Finland, a significant milestone was achieved on January 23rd this year when the new MobilePay app was unveiled to 2.6 million Finnish users.

With the Finnish implementation completed, the focus shifted to Denmark, where a new version of the MobilePay app was rolled out to 4.5 million Danish users on March 12th, signalling a significant milestone, and setting the stage for simpler cross-border payments within the Nordic region.

While some hiccups were reported in the Danish media following the move – and in the run-up to it – the migration was broadly seen as a success.

With the March migration, some 11.5 million users in Norway, Finland, and Denmark were united, setting the stage for potential cross-border payments in the near future.

A broader Nordic rollout before the summer?

If all goes according to plan, according to Rune Garborg, CEO of Vipps MobilePay, consumers can expect to use Vipps MobilePay across Norway, Denmark, and Finland before the summer arrives, with Sweden potentially following shortly after that.

This anticipated rollout is part of a series of launches planned for 2024, including cross-border payments and the introduction of tap-to-pay functionality for iPhone and Android.

“This and much more will make us fit for competition with the world’s biggest tech brands that have all moved into the payment sphere,” Garborg said in a March press release.

MobilePay: What is it, and how do I use it?

The MobilePay app provides a straightforward mobile payment solution for consumers in Denmark.

It allows them to carry out transactions directly from their smartphones, converting their devices into digital wallets.

With roots in person-to-person transfers, MobilePay has expanded its reach to include physical stores, online retailers, and mobile applications, solidifying its position within Denmark’s payment landscape.

To use MobilePay, you need to download the app and link it to your bank account or bank card. This setup enables painless fund transfers and payments, including contactless transactions, using NFC technology.

Considering the widespread adoption and popularity of MobilePay in Denmark, you might wonder whether the country is close to becoming cash-free.

However, although app payments are commonplace and almost all businesses accept debit cards, one in five people in the country still say they would find it difficult to be without cash.

To learn more about Vipps in particular and where and how you can use it in Norway, check out The Local’s explainer on the e-payment app.

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