Payment methods in Norway

well, most of my purchases are paid via card.  I do keep some cash like notes and coins in my purse because:
- the lockers in swimming pool needs 10kr coin as deposit
- some shopping trolleys require 10kr coin as deposit
- wine lottery in work places is generally paid in cash  (Wine lottery is like a weekly thing!)

As for reimbursement among friends and colleagues, we generally use "vipps" app.  So it allows us to transfer money to our friends and colleagues quickly via a payment account or credit cards via smart phone.

In Norway, you can try to cash out money from grocery stores but I believe they charge an admin fee for it.  So, if I am going to pay for groceries that cost 150kr, I just tell the cashier I need to cash out 200kr.  Then the payment is 350kr and I receive cash from the cashier.

Up till  now, if I need to make online purchases in foreign currencies, I use paypal if available, otherwise credit card.    There is no reason for it, other than convenience.  My paypal account is linked to my norwegian credit card.

Public transport tickets are bought via ruter app which has payment method linked to credit card or vipps. This is a really cool way to pay fares.

But if I wish to transfer NOK to overseas bank account, I use transferwise (online).  It is too expensive to transfer NOK out to foreign bank accounts with my banks.  It is also very slow and tedious.