Moving

NemKonto, where your money lands

Updated July 2026Reviewed July 2026
The one-line versionYour NemKonto is simply a normal Danish bank account you designate as your official one. Salary, tax refunds and any public payment go there automatically.

What a NemKonto is

NemKonto means "easy account". It isn't a special product you open - it's an ordinary Danish bank account that you nominate as the single account all public bodies and most employers pay into. Once set, tax refunds, benefits and salary find their way to it automatically, tied to your CPR number.

How to set one up

  1. Open a normal current account with any Danish bank (you'll need your CPR and MitID).
  2. Your bank usually registers it as your NemKonto for you - ask them to confirm.
  3. You can also assign or change your NemKonto yourself on the NemKonto self-service portal using MitID.
You may need a tax card before the bank accountSome banks want to see your tax card before opening an account. The practical order is CPR, then MitID, then tax card, then bank account, then NemKonto. See the first two weeks checklist.

While you wait for a Danish account

If you've been granted a work permit but don't yet have a CPR or account, you have a legal right to a basic payment account. Employers on schemes like Pay Limit must pay salary into a Danish account in your name, generally within 180 days.

Common questions

Is NemKonto a separate account I open?
No. It's a designation you put on an existing Danish account.
Can I use a foreign account as my NemKonto?
In limited cases an overseas account can be registered, but a Danish account is the norm and what most employers and authorities expect.
What if I switch banks?
Update your NemKonto designation to the new account via the self-service portal or your new bank.

Verified July 2026 against official sources: nyidanmark.dk (SIRI), lifeindenmark.borger.dk, the Ministry of Immigration and Integration, cpr.dk and borger.dk. General information, not legal advice - see our editorial policy.

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