Open a Danish bank account
If you work in Denmark, you will usually need a Danish bank account to receive your salary. Find out when you need a Danish account, how NemKonto works and whether you can use your Swedish bank account instead.
Do you need a Danish bank account?
When you start working in Denmark, you will usually need a Danish bank account to receive your salary, as your employer may not be able to pay your salary into a Swedish bank account.
Open your bank account as soon as possible to avoid delays in receiving your salary.
Your bank account must be a NemKonto
If you open a Danish bank account, make sure it is registered as your NemKonto.
A NemKonto is the account used for payments from Danish public authorities, such as tax refunds, holiday pay, social benefits or salary from public authorities.
Tell your bank that you want to use the account as your NemKonto.
Swedish NemKonto
You can register your Swedish bank account as a NemKonto in Denmark.
Before you do, check whether your employer (or another Danish payer) can pay your salary into a Swedish bank account. If not, you will need to open a Danish bank account and register it as your NemKonto.
Bank accounts for Øresund commuters
Some banks offer services designed for people who commute across Øresund and need bank accounts in both Sweden and Denmark.
Before choosing a bank, compare the different options. For example, check how long transfers take and what it costs to transfer money between your Danish and Swedish accounts.
Opening a bank account in Denmark can sometimes take several weeks, so apply as early as possible.
Some banks operate in both Denmark and Sweden and may offer transfers between the two countries at no extra cost. Read more about account types, fees and terms directly from the banks.
You can also compare Danish banks, their services and prices on basalbetalingskonto.dk.
Compare Danish banks at basalbetalingskonto.dk
Your tax residence and TIN
When you open a bank account in Denmark, the bank will often ask about your tax residence and your Tax Identification Number (TIN).
Your tax residence is normally the country where you live. If you live in Sweden and work in Denmark, Sweden remains your country of tax residence, even if you pay tax on your income in Denmark.
Your TIN is your Swedish personal identity number.
Digital login with Danish MitID
When you open a bank account in Denmark, you will usually also get access to the bank’s online banking service. In Denmark, MitID is the common digital login used by banks, Skattestyrelsen and most other public authorities.
If your bank cannot issue a MitID, you can apply for one by visiting a Citizen Service centre (Borgerservice). Bring valid photo ID. If your identity cannot be confirmed through security questions, you may need to bring a witness.
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Got a job in Denmark? Follow these steps
Have you just got a job in Denmark?
We have the checklist with information about all the practical steps you need to take, and what you must consider.
