NemKonto

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

Read more and self-services

As a resident in Denmark, you will need to have a NemKonto assigned 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 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. 

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 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's self-service using 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. 

If you use NemKonto's self-service: You will receive an activation letter

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:  

  • Proof of identity (for instance passport, driving licence or health insurance card)
  • Employment contract or invitation letter
  • Tax card (not obligatory) 
  • US citizens only: American social security card

You can assign your foreign bank account as your NemKonto. In order to do that you must follow these steps:

Step 1: Obtain 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 provided. Ensure that you understand each section of the form and any requirements for providing supporting documentation.  

Step 3: Enter your personal information

Begin by entering 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, city and country) 

Step 4: Fill in the banking 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 email address

Sign and date the form as required and provide your email address in the designated fields on the form on page 2. You must sign in front of 2 witnesses or a notary or attorney.

If you choose to sign the form in front of 2 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

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

  • Passport
  • Driving license
  • Birth certificate
  • 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 form using our contact form.

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

Erhvervsstyrelsen
Att.: NemKonto Support
Dahlerups Pakhus
Langelinie Allé 17
2100 Copenhagen Ø
Denmark

Step 8: You will receive an activation letter

Once you have had a NemKonto assigned, you will receive an activation letter. The letter will be sent to the address registered in the CPR register. It is therefore important that your address information is correct before you select or change your NemKonto.

The letter contains instructions on how to activate the NemKonto.

Last updated: 04 April 2024