NemKonto – your public bank account

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

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As a resident in Denmark, you will need to have a NemKonto assigned to be able to receive payments from Danish public authorities – e.g. payments such as tax refunds, child subsidies, student loans, unemployment benefits or holiday allowances.

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

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

You can establish a NemKonto in one of the following ways:

  1. Assign an account yourself at NemKonto.dk using NemID/MitID
  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. 

To open a bank account, 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:  

  • Proof of identity (e.g. passport, driving licence or health insurance card)
  • Employment contract or invitation letter
  • Tax card (not obligatory) 
  • US citizens only: American social security card
Last updated: 21 December 2022