Selling on Finn with a Contract and BankID Electronic Signature
Why you need a contract, which services are available for creating one, and how it all went in practice
📌 TL;DR
Go to signering.posten.no → click on “Finn kontrakt her” — the rest is pretty intuitive.
Detailed step-by-step instructions are further down the post: How we signed a contract using BankID
📝 Introduction
I recently sold an expensive bike through Finn.no — using a contract signed with BankID.
Surprisingly, it’s not the first time I’ve noticed that people aren’t aware of ready-made contract templates available at forbrukerradet.no, or that they can be digitally signed via BankID — it’s convenient, fast, and legally valid.
I use Finn.no almost exclusively — it’s Norway’s largest marketplace for personal listings.
The platform is owned by the media group Schibsted and covers everything: from rental housing and job listings to selling cars and bicycles.
I’m into cycling and regularly upgrade my bikes — buying and selling them. In my experience, if the deal is worth more than 3000–5000 NOK, it makes sense to sign an official sales contract with a digital signature. This protects both parties — especially if we’re talking about an expensive bike with a service history, warranty, and accessories.
🚲 The Deal
I decided to sell my time trial (mainly triathlon) bike — the Canyon Speedmax CF 8 Disc eTap.
I own four bikes, three of which I keep in my apartment.
The bike was in excellent condition, with a full service done in March 2025. This is a niche product, typically bought by people who are seriously into triathlon and aiming to set personal records. But hey — this is Norway, where sports performance obsession is totally a thing (and I’m probably one of those people).
I checked the market, added a wear-and-tear discount, and listed it for 57,000 NOK. To get the best possible response on the marketplace, I asked a friend for help — Nikita Solenov, a professional photographer.
The listing went live on March 28 — and I sold the bike on April 16. (almost 3 weeks) In that time, I got messages from four potential buyers (all tried negotiating down by 5–10K), and one person wanted to rent the bike for 3 months — which I wasn’t interested in.
📄 Why Use a Contract with BankID
When you’re selling high-value items — especially anything above a few thousand NOK — trust between buyer and seller is important, but not enough.
For me, using digitally signed sales contracts via BankID has become the standard:
- 💰 This is a financially significant transaction. The amount is large, and I want it legally documented.
- ⚖️ The contract protects both parties. It clearly states the date, buyer and seller info, description of the bike, amount, and delivery terms. It’s a legal document you can rely on.
- 🧾 BankID signature = legal force + verified identity.
There’s no way to claim “That wasn’t me” afterward. - 🚲 Premium bike brands like Canyon, Trek, and Specialized require ownership registration on the manufacturer’s website.
Without a contract, it’s hard to prove you’re the rightful owner. - 🏠 The contract may be required for insurance (Innboforsikring).
If the buyer wants to insure the bike, the insurance company might ask for proof of purchase. A signed BankID contract is perfect for that.
In general, if a bike is stored in a basement or apartment, it’s covered by household insurance (been there — my basement was once robbed). - 🔐 The contract protects against fraud.
Unfortunately, I once bought an item without a contract — and the seller turned out to be a scammer.
Just the act of offering a contract can scare away fraudsters — for them, it’s an added risk of exposure.
👀 Viewing, Contract, Payment, Handover
We scheduled a time to meet so the buyer could inspect the bike.
The meeting went smoothly — a 10-minute presentation, I shared my experience, answered questions.
He said “yes,” and we moved on to the contract.
📑 How We Signed the Contract with BankID
- Went to: signering.posten.no
- Clicked “Finn kontrakt her” — this opens contract templates.
We used “Kjøpekontrakt ting” (sales contract for an item). - Filled in:
- Seller and buyer details
- Item description
- Payment and delivery terms
Reviewed everything → clicked “Fullfør”
- Next step — “Klikk her for å gå videre til betaling og signering”
Paid for the digital signing service (as of April 2025: 42 NOK for two signatures) - Each participant received an email with a link to sign
- Signed using BankID
- Once both had signed, we each received an email with a link to the final signed contract
- Buyer transferred the money
- I handed over the bike
- We shook hands — done deal.
💡 Payment tip:
If both buyer and seller have DNB accounts, the money can be transferred directly, instantly, and without fees — even on weekends or outside business hours.
A great alternative to Vipps, where transfers over 5000 NOK incur a 1% fee.
The whole signing process took 5 minutes. Fully online, no paperwork.
Both sides felt secure.
🛠️ Services for Creating and Signing Contracts
I know at several services that support contract signing via BankID (there are likely more):
Personally, I use Signant.no — and that’s the one used in this post.
📄 Contract Templates
For ready-made sales contract templates, I recommend forbrukerradet.no.
The site also has a ton of helpful info on consumer rights and common cases.
🔗 Easier Workflow — via Posten
To streamline things, I use Posten’s signing platform:
👉 signering.posten.no
It combines everything in one place:
- Contract templates from Forbrukerrådet
- Signing and identity verification through Signant + BankID
FYI: Finn.no has a built-in digital contract solution —
but it’s only available for car sales.
For everything else (bikes, electronics, furniture, etc.), you’ll need third-party tools.
✅ Conclusion
Everyone has to decide for themselves when a contract is worth it.
For some, only large transactions. For others — anything beyond “just giving it away.”
Remember:
- A contract isn’t bureaucracy — it’s your protection
- It helps in case of fraud, theft, or disputes
- It signals a serious deal and deters shady buyers or sellers
Stay sharp.
And don’t be afraid to ask for a contract — it’s totally normal.
P.S. For every transaction I’ve done using a contract on Finn.no, I’ve received only positive reviews.