NemKonto

Residents and Companies in Denmark Should Have a NemKonto to Receive Payments From Public Authorities

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As a resident in Denmark, you should have a NemKonto to be able to receive payments from Danish public authorities. This can be payments such as:

  • tax refunds
  • child subsidies
  • student loans
  • unemployment benefits
  • holiday allowances.

A NemKonto is a normal bank account you already own. You can choose which of your existing accounts – foreign or Danish – you want as your NemKonto. Payments from public authorities will be transferred directly to this account.

Your NemKonto is secure

Public authorities can only transfer money to your NemKonto. They cannot withdraw money from your account or view your balance or account transactions.

A NemKonto is a normal bank account you already own. You choose which of your accounts – foreign or Danish – you want to be your NemKonto. 

You can set up a NemKonto in one of the following ways:

  1. Assign an account yourself using MitID to log on to the NemKonto self-service.
  2. Contact your Danish bank and inform them which account to assign as your NemKonto.  
  3. Fill out a form if you wish to assign a foreign bank account as your NemKonto.

It is free of charge to assign an account as your NemKonto.

You Will Receive a Letter, if you use the NemKonto Self-Service

If you have assigned or changed your NemKonto via the self-service, you will be sent an activation letter with an activation code.

The letter contains instructions on how to activate your NemKonto. The activation letter will be sent by postal service to the address registered in the CPR register. Unfortunately, you cannot have the letter sent via email or Digital Post at the moment.

If you wish to have a Danish bank account assigned as your NemKonto and do not have a Danish bank account yet, you need to contact a bank of your choice. 

In Denmark, banks must offer a basic payment account to all consumers with legal residence in a country within the EU or with residence in a country, which the European Union has a financial agreement with.

However, the bank can refuse to set up an account, for instance if you already have a payment account in another Danish bank.

Which Documentation do I Need to Open an Account? 

Documentation requirements may vary depending on the bank. Most banks ask for:  

  1. Proof of identity (for example passport, driving license or health insurance card)
  2. Employment contract or invitation letter
  3. Tax card (not obligatory)
  4. US citizens only: American social security card

You can use your foreign bank account as your NemKonto. To do that you must follow these steps:

Step 1: Get the Registration Form

You can find the registration form on www.nemkonto.dk. The form is in English:

Step 2: Read the Instructions Carefully

Before filling out the form, carefully read the instructions. Make sure that you understand each section of the form and any requirements for documentation.  

Step 3: Enter Your Personal Information 

Enter your personal information in the designated fields on the form. This includes: 

  • Full name
  • Danish civil registration number (CPR number)
  • Residential address in Denmark (including postcode and city) 

Step 4: Fill in the Bank Information 

Fill in the sections related to your bank account information. This includes:   

  • Bank name
  • Bank/branch address (including postcode, city and country)
  • IBAN (International Bank Account Number) (if applicable)
  • SWIFT/BIC code (if applicable)
  • Account number (if applicable)
  • Bank code/routing number (if applicable)

Please note that not all countries use IBAN and SWIFT as their main banking information. Some countries use account number and bank code or account number, bank code and SWIFT.

Step 5: Sign, Date and Provide Your E-mail Address

Sign and date the form and write your email address in the designated fields on the form on page 2. You must sign either in front of two witnesses or a notary or an attorney.

If you choose to sign the form in front of two witnesses, the witnesses must fill out the designated fields reserved for witnesses.  

If you choose to sign in front of a notary or an attorney, they must fill out the designated fields reserved for notary or attorney

Please note that the registration form will not be accepted if the dates provided by the signee and witnesses do not match.

Step 6: Provide a Copy of Your Official and Valid Identification Papers

To have a NemKonto assigned you must include a copy of your official and valid identification. This can, for example, be:

  • Passport
  • Driving license
  • Residence permit

Witnesses are not required to submit a copy of their official identification papers. 

Step 7: Review and Submit

Review the completed form to ensure all information is accurate and legible. Double-check that you haven't missed any required fields or made any errors. Once satisfied, submit the application using our contact form.

Alternatively, you can send the registration form and copy of identification papers by postal service to:

The Agency for Digital Government
Att.: NemKonto Support
Slotsgade 1
4800 Nykøbing F
Denmark

Step 8: You Will Receive an Activation Letter

You will receive an activation letter, when a NemKonto is assigned to you. The letter will be sent to the address registered in the CPR register. Therefore, it is important that your address information is correct before you select or change your NemKonto.

The letter contains instructions on how to activate your NemKonto.

If you need assistance with assigning, changing or other issues with your NemKonto, you can contact NemKonto Support. You can call NemKonto Support at  +45 33 98 00 60 or send a message through the contact form.

You can also find answers on the NemKonto website.

Written by the Agency for Digital Government

Last updated: 29 July 2025