Open a Danish bank account – when working in Denmark
Your bank account must be a Nemkonto
Make sure that the account you open in Denmark is a so-called NemKonto. NemKonto is a public payment system that enables authorities to pay you. Examples of payments are tax refunds, salary from public authorities, holiday pay or various types of social benefits. Tell your bank that the account you are opening is for your salary and will be a NemKonto.
Digital login to netbank and Danish authorities – NemID/MitID
When you open an account in a Danish bank you normally also get access to their netbank. Denmark uses a common login system called MitID for most services offered by banks, the Danish Tax Agency and other public authorities. Normally you will get a MitID that you can only use for your bank, but ask the bank if they can give you a MitID with “public digital signature” so you can use it to log in on all public authority websites.
If your bank cannot organise a MitID with public digital signature, you can order it by visiting a citizen service centre. Make sure you bring your passport, driving licence or other national ID card with a photo and a witness who can confirm your identity. The witness must be more than 18 years old, have a Danish civil registration number and be able to show valid photo documentation.
Bank account for Øresund commuters
Certain Swedish banks offer special solutions for people who commute across the Sound and need to have bank accounts in both Sweden and Denmark. As always, it is a good idea to compare the terms of the various banks before deciding where to open your Danish account. When comparing various banks, it is worth looking at how many business days a transfer takes and what it costs to transfer money from the Danish account to a Swedish account.
There are some banks that offer special solutions for Øresund commuters, for example Danske Bank and Nordea.
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Social insurance if you work in Denmark
Being affiliated with the social insurance system of a country means that you are eligible for benefits such as parental allowance, sickness benefit and other benefits in that country. If you work full-time in Denmark and live in Sweden, you follow the general rule that you are affiliated with the system in Denmark, the country in which you work.