NemKonto means easy account. The NemKonto easy account system enables Danish authorities and institutions to transfer money directly to citizens’ bank accounts, such as tax refunds, social welfare payments, salaries, etc.

A NemKonto account is a normal bank account. The only thing that differentiates a NemKonto account from other bank accounts you may have is its designation as a NemKonto account. When you designate an account as your NemKonto account, the Danish authorities will know that this is the one to which all your payments from the public sector should be transferred. You can designate any Danish bank account e.g. a budget or savings account as your NemKonto account.

Read also the Danish Agency for Governmental Management’s information about NemKonto easy accounts.

All companies and residents over age 18 who are registered at an address in Denmark and have a Danish CPR number are required to designate a bank account as their NemKonto account. When you have a NemKonto easy account, all payments from Danish authorities will be transferred directly to this account. The same rules apply to people under age 18, who have a Danish CPR number and receive payments from Danish public authorities.

All residents over age 18 who have a registered address in Denmark and a Danish CPR number are required to designate an account as their NemKonto account. This also applies to people under the age 18, who have a Danish CPR number and receive payments from Danish public authorities.

You can open an account and designate it as your NemKonto at the bank of your choice. According to the Executive Order on Good Business Practice for Financial Undertakings, all citizens in Denmark have the right to open a deposit account without credit facilities. Exceptions to this rule may apply for example if a person has demonstrated violent or offensive behavior at the bank. Debt, however, is not a valid reason for rejecting a citizen as a customer. 

If you do not have a Danish bank account, nor wish to open one, you can designate your spouse’s Danish bank account as your NemKonto account.

If you already have a Danish bank account you can designate this account as your NemKonto account. You can also designate a foreign bank account as your NemKonto account.

Note that you can only designate one account as your NemKonto account.

If you do not have a Danish bank account, and you would like to have one as your NemKonto account, you have to open a Danish bank account. To open a bank account, go to the bank of your choice. You will need to present your health insurance card to prove that you have a CPR number, together with some form of photo ID. When opening your account remember to inform the bank that you want to designate the account as your NemKonto account.

If you already have a bank account you wish to designate as your NemKonto account, you can notify the authorities electronically at www.nemkonto.dk using your digital signature. A digital signature is free of charge and can be obtained from www.danid.dk. Please note that the information on the DanID site is only available in Danish.

You can change your NemKonto account, but if you do so you must inform the Danish authorities. You can inform the authorities in different ways:

• You can do it electronically if you have a digital signature.
• Most banks will allow you to change your NemKonto account via your online banking site.
• You can contact your bank and ask them to change your NemKonto account for you.

Designating a bank account as your NemKonto account and changing your NemKonto account is free of charge.

No one, besides you and your bank can see your entire NemKonto account number or information about your account.

You can read more about NemKonto accounts at www.nemkonto.dk. You can also call NemKonto support at +45 44 60 63 68, or contact a Danish bank.