Those living in Denmark who are over 18 must have a NemID and NemKonto (Easy Account). Proof of employment-You will be asked to present your work contract or proof of enrollment if you are a student.Proof of address in Denmark-Banks will usually accept utility bills (no more than three months old), a rental contract, or your health insurance card as proof of address.In most cases, you will not be able to open a bank account without a CPR number. You will receive your CPR number when you apply for residence. CPR number ( CPR-nummer or personnummer )-A unique ten-digit personal identification number for all people living in Denmark.In some cases, a bank may request notarized copies. Photo ID-This can be a passport or a national ID card.

You’ll most likely need the following documents to open a standard Danish bank account: The process shouldn’t be overly complicated, but you’ll need to verify the requirements for each individual institution. What do you need to open a bank account in Denmark?Īnyone over the age of 18 with a residence permit can open a bank account in Denmark-expats included. Make sure to request your documents in your preferred language, otherwise they’ll be automatically processed in Danish. Most banks will have support available in English, but it’s worth confirming that they offer multiple languages. It’s also important to consider the bank’s languages of service. Be sure to confirm your options for accessing your account outside of the country, and request that access immediately, as it can take weeks to receive it. Most Danish bank accounts will come with a Dankort-the national debit card-which can generally only be used in Denmark. Pay extra attention to this if you’re being paid in a currency that is not the Danish Kroner (DKK).

Currency transfers-Moving currencies between accounts can be especially costly.

Withdrawal fees-If the bank you choose does not have many ATMs in your area, you may find yourself saddled with high fees for using other banks’ machines.Monthly service fees-This refers to any costs associated with maintaining your account and using your debit and credit cards.However, there are likely to be some costs hiding in the fine print, including: Some banks may request an opening deposit, but most don’t charge a fee to set up an account. When choosing the bank that’s right for you, it’s important to keep a careful eye on fees. This means that it’s a good idea to check out all available options-from domestic or international banks to fully digital ones-when you set about opening a bank account in Denmark. What to consider when opening a bank account in Denmarkĭenmark is known for its robust financial system, yet their banks also have a reputation for hefty paperwork and high fees.

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