Closing Your Bank Account and Utilities in Denmark
Leaving Denmark or just moving? Here’s how to properly close your Danish bank account and all utility contracts—step by step. Don’t risk unpaid bills, fees, or lost refunds!
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Tip: Never leave a Danish bank account or utility open in your name after departure. Unpaid bills can lead to fees, debt collectors, and problems if you return.
Overview: What to Close Before You Leave
Bank Account(s)
All Danish current and savings accounts, including NemKonto, must be closed or moved. Remember: salary, tax, and refunds are paid to NemKonto.
Utilities & Subscriptions
Electricity, water, heating, internet, phone, TV, waste, gym, insurance, and streaming services. Cancel or transfer all contracts in advance.
Final Bills & Refunds
Most companies send a final bill or refund. Make sure they have your forwarding address and a valid bank account for payments.
Closing Your Danish Bank Account
In Person or Online
Most banks (Danske, Nordea, Jyske, Sydbank, etc.) let you close your account in a branch or via secure online banking message (Netbank/MitID). In person: bring ID and NemID/MitID.
From Abroad
Already left Denmark? Most banks allow closure by secure message or email/letter with copy of ID. Call your bank’s international helpdesk for instructions.
What About NemKonto?
Your main account for public payments (tax refunds, salary, SU, etc.). When you close it, set up a new NemKonto if you expect further payments—can be an EU account.
Closing Utilities, Internet & Subscriptions
Electricity, Water, Heat
Notify your providers at least 14 days before leaving. Give a final meter reading and forwarding address. Popular: SEAS-NVE, Andel Energi, Hofor, EWII.
Internet & Mobile
Cancel with TDC, Telia, 3, YouSee, etc. Most require 1-month notice. Return equipment (router, TV box) or pay a fee.
TV, Streaming, Gym, Insurance
Cancel all subscriptions (TV 2, Netflix, Viaplay, gyms, home insurance). Most can be cancelled online or by email. Ask for a written confirmation.
Step-by-Step: Closing Accounts Before Departure
1. Give Notice
Inform your bank and all providers 2–4 weeks before leaving. Ask for their closure/cancellation process.
2. Pay Final Bills
Make sure all direct debits, standing orders, and invoices are paid in full. Keep receipts and screenshots.
3. Confirm Cancellations
Get written confirmation from bank and all companies that your account/contract is closed and no further charges will apply.
4. Provide New Account/Address
If you expect refunds, give a new IBAN or EU bank account and a forwarding address. Update e-Boks and NemKonto as needed.
What Happens After Closing?
Refunds & Deposits
Utilities and landlord may send refunds after your departure. Make sure they have your new account and contact details.
NemKonto & Payments
If you expect Danish tax refunds, SU, or payments, you need an active NemKonto (can be foreign IBAN if registered at nemkonto.dk).
Final Tax Return
File your last tax return and report any changes to SKAT. If you overpaid, refunds come via NemKonto.
Useful Links & Resources
Related Guides on exploringdenmark.com
Frequently Asked Questions
Can I close my Danish bank account from abroad?
Yes, most banks allow closure by secure message, phone, or post with ID. Ask for confirmation in writing.
What if I expect a Danish tax refund after closing?
Register a new NemKonto (can be an EU IBAN) at nemkonto.dk to receive future payments.
How do I read my electricity/water meter?
Follow the instructions from your utility or landlord. Send a photo or input the numbers online when you move out.
Will I be charged if I leave without cancelling?
Yes! Utility and phone contracts continue until you cancel in writing. Always ask for final settlement and confirmation.
How long does it take to close a bank account?
Usually 1–5 working days after request. Some banks require all accounts at the same bank to be closed at once if you have no CPR or NemID left.
What about equipment rental (router, TV box)?
Return all equipment to avoid fees! Most companies provide a prepaid return label or drop-off at a partner shop.
Do I need to close accounts if I’m just moving within Denmark?
No, just update your address with your providers. Only close if leaving the country or not needing service anymore.
Any tips for international students?
Close accounts and contracts a month in advance; check for any student-specific banks, refunds, or housing deposits.