NemKonto - your public bank account

All citizens and companies registered in Demark are required to have a NemKonto

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When you receive salary from your employer it is useful to have a bank account. To open a bank account, you just need to contact a bank of your own choice. Remember to bring photo ID (e.g. your passport) and address information.

You can only open a bank account with a Danish bank once you have obtained your tax card. As you are not a registered citizen in Denmark, the bank will want to see your:

  • Passport
  • Tax card
  • Contract of employment and payslip. 

As a resident in Denmark you will might need to open at least one Danish bank account to obtain a NemKonto.

A NemKonto is an account where payments from the public authorities are transferred directly. Your basic account can be designated as a NemKonto.

A NemKonto is a normal bank account into which payments from public institutions (e.g. tax refunds, child subsidies, student loans and unemployment benefits) can be transferred directly.

Opening a bank account is free of charge. It is advisable to take your contract of employment if you have one.

You can easily change your NemKonto if you get a new bank. A normal account can be converted to a NemKonto either by the bank or directly by you - if you have a NemID.

You do not necessarily need a bank account yourself to have an NemKonto. If, for example, you use your spouse’s bank account, you can designate this account as your NemKonto.

Last updated: 12 December 2020