How to open a bank account
If you want to open a Danish bank account, you must bring the following documents to the bank of your choice:
- Passport or ID card
- Proof that you have an address in Denmark
Bank cards in Denmark
In Denmark, we distinguish between cashcards, debit cards and credit cards.
A cashcard can normally only be used to withdraw cash from a cashpoint machine at your own bank. You cannot make payments with it. Banks supply cashcards free of charge.
A debit card is a card you can use to withdraw cash from cashpoints at different banks. A debit card can also be used to make payments. The amount is immediately deducted from your account. The most commonly issued debit card is Dankort. There is usually no charge made for using a Dankort but it can only be used in Denmark and in selected stores in and around Flensburg in Germany.
Credit cards can usually be overdrawn. The holder receives a monthly invoice which can be paid off immediately or in instalments. In order to qualify for a credit card in Denmark, you must be have a good credit rating, which means you have to be able to document that regular deposits will be credited to your account. The credit cards used most often in Denmark are MasterCard and VISA.
NemKonto (Easy Account)
Since 2005, the Danish State has operated a scheme encouraging all citizens who live and work in Denmark to open a so-called NemKonto Easy Account. Citizens are asked to specify one account, usually a salary account, to which the State can make payments, such as tax refunds, family allowances, etc. The idea is that the State can make payments cheaply and simply. All banks can register a salary account as a NemKonto.
Search for banks ('banker') in the municipality at www.degulesider.dk.