NemKonto – your public bank account

Residents and companies in Denmark are required to have a NemKonto for payments from public authorities  

Read more and self-services

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

A NemKonto is an account where payments from the Danish 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 bank account can be converted to a NemKonto either by the bank or directly by you - if you have a NemID/MitID.

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.

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. 
Last updated: 27 June 2022