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Money and banking in Denmark

Everybody who works in Denmark must have a bank account to have their salary paid into. In order to open a bank account, you must have a Danish CPR number. 


Opening a bank account and e-banking

How to open a bank account

Go to the bank of your choice and remember to bring:

  • Your CPR number
  • Passport
  • Employment contract or invitation letter
  • Yellow health insurance card 
  • US citizens only: social security card (a requirement by FATCA)


You can designate your basic bank account as your Easy Account (NemKonto) for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

You should also mention that you are an Aarhus University employee or associated with Aarhus University to smooth the process of opening an account. 

You need a NemID to open a bank account and use online banking. The NemID is used for public services and online banking, so you can get it both at the Citizens Service and the bank. Let the bank know if you already have a NemID as you should not have more than one. Read more about NemID

Choosing a bank in Denmark

International Community has put together a list of banks in alphabetical order and included some of the services they offer. On this website you can also read more information about Banking and opening a bank account 

See Banking and opening a bank account

E-banking

Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such service, as it will make daily life much easier.

Remember to ask your bank advisor about the various fees for the services offered by the bank.

You need to hand in a copy of your yellow health insurance card to use e-banking. This is a requirement in all Danish banks. 

Read more about banking and opening a bank account on the International Community website and Workindenmark website

Dankort - the national debit card

Dankort is the national debit card, and the card that you use to pay in most stores in Denmark. Visa and Master Card are widely used, but mostly in larger supermarkets and convenience stores. Visa and Master Card cannot be used in smaller stores and supermarkets.

Therefore, we recommend you to ask for a Dankort, when you open a Danish bank account. You may not get the card immediately, because you need to show that you have money in the account and are a credit worthy customer.

Visa/Dankort

The Dankort can be combined with a Visa card, called a Visa/Dankort. Visa/Dankort is an international debit card that you can use in Denmark as well as in the rest of the world. It therefore gives you two cards in one. When you use the card for payments, the money will be withdrawn from your account in a few days.

Contact your bank for further information about the Dankort.

NemKonto

All citizens in Denmark are required to have a NemKonto "Easy Account" to receive payments from the public sector. You will receive your payslip in your NemKonto.

How to assign a NemKonto?

All you need to do is to decide which of your existing accounts you wish to use as your NemKonto. If you have several bank accounts, you decide which one you wish to use.

You can do this in one of the following ways:

  • Contact your bank and inform them which account to assign as your NemKonto
  • Assign an account number yourself at NemKonto selvbetjening. You can only do this if you have a NemID or a digital signature.
  • Change your NemKonto in your home banking system – 90 pct. of the Danish banks offer this service.
  • If you live abroad and wish to assign a foreign bank account as your NemKonto you can use the NemKonto registration form.

Read more about NemKonto

Mobile payments

Mobile payments are an easy way to pay with your cell phone. You can use it in stores, online stores, apps and to transfer money to other users. You connect your account to your phone number and in this way you can transfer money quickly and easily.  

The major provider is Mobile Pay by Danske Bank. Contact Danske Bank for further information.


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