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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

The booklet ”Insurance for everyday needs” published by the Danish Insurance Association contains more information about insurance in Denmark. Visit the Danish Insurance Association website at www.forsikringogpension.dk.

In addition to give information about the above-mentioned elements, the guide, Tax scheme for foreign researchers and key employees (25 per cent or 33 per cent taxation), on the SKAT website, the guide also  contains information about:

• How to register employees for the scheme.
• Calculating the tax.
• If you as an employee have other income.
• How to prepare you annual assessment notice as an employee.
• Supplementary tax liability.
• Approval of researchers.
• Tax authorities in Denmark.

Please note that some of the headings in the table of content of the guide also has links to relevant subcategories. 

For further information about rules and factors to be aware of as a new taxpayer in Denmark, you should read the guide Taxation - when moving to Denmark.

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.

A wide range of information is available on SKAT’s website: www.skat.dk.

More information on allowances and deductions is to be found in SKAT’s leaflet Tax in Denmark, An introduction – for new citizens. You will also find some information regarding allowances and deductions in SKAT’s guide ”About tax – for people resident abroad and working in Denmark”. The guide is intended for individuals from other countries coming to Denmark to work for a limited period of time. The guide explains how to obtain a tax card, how tax is deducted from your income and which allowances and deductions you are entitled to.

Further information about the Danish tax system in relation to pension plans is available in SKAT’s guides: Tax and pension plans - for those with a pension plan in Denmark or another EU or EEA member state and Tax and pension plans - for migrant workers who come to Denmark from another country to work.

If you have any questions you can always call SKAT on telephone +45 72 22 18 18.

You will also find some information about tax in Denmark on Work in Denmark’s website.

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.

Relevant websites:

• Copenhagen International Airport, Kastrup: www.cph.dk.
• Aarhus Airport, Tirstrup: www.aar.dk.
• Billund Airport: www.billund-airport.dk.

For a list of Danish airports’ websites go to Visit Denmark’s website.

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.

If you have any questions about CPR numbers contact Citizens’ Services in the municipality in which you live. You can find the address and phone number of your Municipal Citizens’ Services here. If you do not understand Danish, please follow this guide: 

In the window that opens you will see that Borgerservice (Citizens’ Services) has already been entered in the Hvad (What) search box near the top of the screen. Enter “The name of the municipality you live in” in the Hvor (Where) search box. Then click on Søg (Search).

You will then see a list of the address and the phone number of the Citizens’ Services office(s) in your Municipality.

If you live in Aarhus, you can meet service assistants from Citizens’ Services and get assistance acquiring a CPR number in International Citizen Service Aarhus, located at Nordhavnsgade 4, 8000 Aarhus C. For more information about the International Citizen Service Aarhus, go to International Citizen Service.

In Aarhus there are Citizens’ Services offices at:

City Hall (Rådhuset)
Rådhuspladsen 2
8000 Aarhus C.

Viby Bibliotek (library)
Skanderborgvej 170
8260 Viby J.

Risskov Bibliotek (library)
Fortebakken 1
8240 Risskov

Aaby Bibliotek (library)
Lundvig Feibergs Vej 7
8230 Aabyhøj

For questions regarding your health insurance card contact Citizens’ Services in the Municipality you live. You can find the address and phone number to your Municipality´s Citizens’ Services centres at kark.dk. If you do not understand Danish, please follow this guide:

In the window that opens you will see that Borgerservice (Citizens’ Services) has already been entered in the Hvad (What) search box near the top of the screen. You then:

• Enter “The name of the Municipality you live in” in the Hvor (Where) search box

• Then click on Søg (Search)

You will then see a list of the address and the phone number of the Citizens’ Services office(s) in your Municipality.

If you live in Aarhus you can meet Aarhus Municipality’s Citizens’ Services and get assistance with acquiring a CPR number at One Stop Shop on Wednesdays from 14.00-16.00. The One Stop Shop is located at Nordhavnsgade 1, 8000 Aarhus C. For more information about the One Stop Shop, go to One Stop Shop.

In Aarhus there are Citizens’ Services offices at:

City Hall (Rådhuset)
Rådhuspladsen 2
8000 Aarhus C

Viby Bibliotek (library)
Skanderborgvej 170
8260 Viby J

Risskov Bibliotek (library)
Fortebakken 1
8240 Risskov 

Aaby Bibliotek (library)
Lundvig Feibergs Vej 7
8230 Aabyhøj 

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

The local Citizens’ Services will provide you with contact information for the local provider of free Danish language courses. After sign-up, the language school will want to see you and give an assessment of which class will give you best value and most effective learning possibilities.

If you want to enrol in free Danish classes in Aarhus, you can contact:

Lærdansk Aarhus, Vestergade 72, third floor, 8000 Aarhus C.
Phone: +45 8732 5400.
Mail: aarhus@laerdansk.dk.

You can also enrol by following this link.

You can find the address and phone number of your Municipal Citizens’ Services here. If you do not understand Danish, please follow this guide:

In the window that opens you will see that Borgerservice (Citizens’ Services) has already been entered in the Hvad (What) search box near the top of the screen. Enter  “The name of the Municipality you live in” in the Hvor (Where) search box. Then click on Søg (Search). You will then see a list of the address and the phone number of the Citizens’ Services office(s) in your Municipality.

SKAT’s website www.skat.dk provides information about SKAT and the tax rules and regulations that apply in Denmark.

Learn more about the Danish tax system in the guide "Taxation - when moving to Denmark". If you are interested in learning more about how and why we pay tax in Denmark, most common tax rules are described in the guide "Tax in Denmark - An introduction for new citizens".

You can call SKAT on +45 72 22 18 18 or go to your local SKAT service office.

You can find your local service office, at SKAT’s website - If you do not understand Danish, please follow this guide: 

• Tick the box in front of the word “Skattecentre”, which is listed in the column on the left hand side.
• Enter “the post code of your town” (4 digits only) in the search area “Postnr. eller by:”,
• Click on the “søg” button.

The location of SKAT’s service centers in your area will then be marked of as small buildings on the map. Place the arrow over the building, and the address of the service office will be displayed.

“Skattecentre” means tax service offices, “Postnr. eller by” means post code or town, “Søg” means search.

If you live in the Aarhus area, you can also meet representatives of SKAT at International Citizen Service. Read more about International Citizen Service here.

If you need further information regarding Betalingsservice, contact your bank.

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

Post Danmark A/S 
Tietgensgade 37 
1566 København V                             
Customer support:  +45 80 20 70 30

E-mail: skrivpost@post.dk

Website: www.postdanmark.dk

For information about SKAT and taxes in Denmark, see the SKAT website: www.skat.dk

You can also call SKAT on +45 72 22 18 18

In the pamphlet Tax in Denmark, An introduction – for new citizens, you can learn about the Danish tax system. Please note that the booklet was published in 2005, and it does not include the changes adopted in the connection of the Tax Reform Act 2009. You can read more about the changes here.

Information about tax in Denmark is also available in SKAT’s guide”About tax – for people resident abroad and working in Denmark”. The guide is intended for individuals from other countries coming to work in Denmark for a limited period of time. The guide explains how you obtain a tax card, how tax is deducted from your income and which allowances and deductions you are entitled to.

On the SKAT website you will find a guide about the preliminary income assessment for 2009. The guide contains the most common tax rules applicable to salaried staff/wage-earners and pensioners and indicates when and how you should change your preliminary income assessment and shows examples of tax calculations.

You can find your local SKAT service office, on SKAT’s website - If you do not understand Danish, please follow this guide:

• Tick the box in front of the word “Skattecentre”, which is listed in the column on the left hand side.
• Enter “the post code of your town” (4 digits only) in the search field “Postnr. eller by:”.
• Click on the “søg” button.

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

At www.gulesider.dk, you can search for a taxi services in your area by entering 'taxa' in the “Hvad/What” section, and where you are, or the postal code in the “Hvor/Where” section. 

You can also find a list of some of the taxi companies in Denmark listed on expats in Denmark’s website.

In Aarhus you can book a taxi from:

• Aarhus Taxa, www.aarhus-taxa.dk.  Phone number: (+45) 89 48 48 48.
• DanTaxi, Århus, www.dantaxi.dk. Phone number: (+45) 70 25 25 25.

The Regional State Administrations is responsible for handling EU/EEA citizens’ applications for an EU residence document. For more about the Regional State Administration and their work, visit the website: www.statsforvaltning.dk.

For questions regarding Certificate of Registration, call the Regional State Administrations’ EU residence office on +45 72 56 84 56.
The Central Jutland State Administration EU-residence office handles applications for Certificate of Registration for people resident in the Aarhus area and Central Jutland. The office is located at Lyseng Alle 1, 8270 Højbjerg.

You can also obtain assistance with, and submit your Application for EU Residence Document, at International Citizen Service Aarhus. Read more about International Citizen Service here.

The Danish Immigration Service is responsible for issuing residence and work permits for non-EU/EEA citizens. You can read about the Danish Immigration Service, their work, and which rules apply for residence and work permits on their website www.nyidanmark.dk.

The Danish Immigration Services
Ryesgade 53
2100 Copenhagen Ø
Telephone: +45 35 36 66 00
Telephone hours: 9 a.m. to 3 p.m.
Fax: +45 35 36 19 16
E-mail: us@us.dk

Note: The Danish Immigration Service has made a telephone guide that tells you what questions you can expect to get answered when you contact them.

If you want to contact the Danish mission in your country, you can find the relevant contact information at www.um.dk.

For questions regarding your health insurance card contact Citizens’ Services in the Municipality you live. You can find the address and phone number to your Municipality´s Citizens’ Services centres at krak.dk. If you do not understand Danish, please follow this guide:

In the window that opens you will see that Borgerservice (Citizens’ Services) has already been entered in the Hvad (What) search box near the top of the screen. Enter “The name of the Municipality you live in” in the Hvor (Where) search box. Then click on Søg (Search).

You will then see a list of the address and the phone number of the Citizens’ Services office(s) in your Municipality.

If you live in Aarhus you can also meet Citizens’ Services and get assistance with acquiring a CPR number at International Citizen Service, located at Nordhavnsgade 4, 8000 Aarhus C. Read more about International Citizen Service here.

In Aarhus there are Citizens’ Services offices at:

City Hall (Rådhuset)
Rådhuspladsen 2
8000 Aarhus C.

Viby Bibliotek (library)
Skanderborgvej 170
8260 Viby J.

Risskov Bibliotek (library)
Fortebakken 1
8240 Risskov

Aaby Bibliotek (library)
Lundvig Feibergs Vej 7
8230 Aabyhøj

The Sports Confederation of Denmark, www.dif.dk.

The Danish Gymnastics and Sports Associations, www.dgi.dk.

The Danish Company Sports Federation, www.firmaidraet.dk (Information only available in Danish).

Ministry of Culture, www.kum.dk.

Relevant authorities:

The Danish Road Directorate
Niels Jules Gade 13
PB 9018
DK-1022 Copenhagen K.
Telephone: 45 7244 3333
Fax: +45 3315 0848
Website: www.vejdirektoratet.dk.

SKAT’s website www.skat.dk provides information about SKAT and the tax rules and regulations that apply in Denmark.

If you have any practical questions regarding ICS, you can contact Workindenmark.

Note that representatives of Immigration Service, the State Administration for Central Jutland, Aarhus Municipal Citizens’ Services and SKAT are only available at ICS during the service's opening hours. If you have got questions outside ICS' opening hours, please, contact the respective authority directly.

You can contact the Regional State Administrations’ EU residence office at: +45 7256 8456.

You can contact SKAT at: +45 7222 1818.

In Aarhus you will find Citizens’ Services at the following addresses:

Rådhuset (City Hall)
Park Allé
8000 Aarhus C

Aaby Bibliotek
Ludvig Feilbergs Vej 7
8230 Aabyhøj

Risskov Bibliotek
Fortebakken 1
8240 Risskov

Viby Bibliotek
Skanderborgvej 170
8260 Viby J

Opening hours:

Monday, Tuesday and Wednesday 8.00-16.00
Thursday 10.00-19.00
Friday 8.00-16.00

The regional transport service organisation:

• In North Jutland is Nordjyllands Trafikselskab,  www.nordjyllandstrafikselskab.dk.
• In Central Jutland is Midttrafik, www.midttrafik.dk.
• In the Metropolitan Region and Region Zealand is Movia, www.moviatrafik.dk.
• In Region Southern Denmark is Sydtrafik, www.sydtrafik.dk and Fynbus, www.fynbus.dk. 
• On the Baltic island of Bornholm is BAT www.brk.dk.

Note that some sites are only in Danish.

You can find a list of some of the companies who offer long distance services in Denmark at Visit Denmark’s website.

Visit X bus´ website at: www.xbus.dk.

Some of the companies operating bus services to and from Denmark are listed on Visit Denmark´s website.

DSB Customer Centre: +45 70 13 14 15, for other contact information to DSB, go to DSB’s website. 

Find details of the companies operating rail services in Denmark on the Danish Road Directorate’s website. Please note that you will be directed to a Danish site.

The online journey planner, Rejseplanen, provides information about all public transport in Denmark: www.rejseplanen.dk.

Relevant authority:

IT- og Telestyrelsen/ Ministry of Science Technology and Innovation.
Address: Holsteinsgade 63, DK-2100 Copenhagen Ø.
Telephone number: +45 35 45 00 00
Website: www.itst.dk.

Statistics Denmark: www.dst.dk.

In Denmark you will find Regional trains (Re), InterCity trains (IC) and InterCityLyn trains (ICL – ‘lyn’ stands for ‘lightening’).

Re services connect local stations to main junctions throughout Denmark. IC and ICL trains connect major stations on the islands of Zealand (Sjælland), Funen (Fyn) and in Jutland (Jylland). The difference between IC and ICL services is that ICL are express trains which make fewer stops. Ticket prices to a destination are the same, whether you travel by IC or ICL train.

Copenhagen also has suburban, so-called S-trains. Read more about Copenhagen’s S-trains at Visit Copenhagen’s website.

A rail map of Denmark is available at Banedanmark’s website.

A DSB orange is a discount ticket. The price of a DSB Orange ticket varies and they are not available for all train departures. The number of tickets available for a given departure varies, so your chance of getting an orange ticket is greater, the sooner you book.

Orange tickets are only valid for the specified departure day and time and are not valid on bus or Metro services. Orange tickets can be bought two months prior to departure. They are non-refundable and cannot be changed after the purchase has been made.

DSB orange tickets can only be bought online at DSB´s Online ticket shop. You find DSB´s online ticket shop at www.dsb.dk. Note the service is in Danish only. You have to print the Orange ticket yourself and a seat reservation is required. The seat reservation is included in the price and will be stated on your ticket when you print it. Adults travelling with an Orange ticket can take two children under the age of 12 with them free of charge, but you must remember to reserve seats for the children when you book the ticket. Children from age 12 to 15 years pay half price.

In Denmark you will find Regional trains (Re), InterCity trains (IC) and InterCityLyn trains (ICL – ‘lyn’ stands for ‘lightening’).

Re services connect local stations to main junctions throughout Denmark. IC and ICL trains connect major stations on the islands of Zealand (Sjælland), Funen (Fyn) and in Jutland (Jylland). The difference between IC and ICL services is that ICL are express trains which make fewer stops. Ticket prices to a destination are the same, whether you travel by IC or ICL train.

Copenhagen also has suburban, so-called S-trains. Read more about Copenhagen’s S-trains at Visit Copenhagen’s website.

A rail map of Denmark is available at Banedanmark’s website.

ICS is a joint initiative by International Community, Aarhus Municipality Citizens’ Services, the Danish tax agency, SKAT, the State Administration for Central Jutland, Workindenmark and Immigration Service. At ICS, representatives of the various authorities will assist you with legal documents that you are required to deal with upon arrival when moving to Denmark.

The service is based on International Community's One Stop Shop, which was initiatated in collaboration with Aarhus Municipality Citizens’ Services, the Danish tax agency, SKAT, the State Administration for Central Jutland in December 2009.

The authority that issues tax cards and collects tax in Denmark is SKAT. You can read more about SKAT on the authority’s homepage www.skat.dk.

Your tax card states your CPR number or your tax ID number, your address, the percentage of tax that your employer is required to deduct from your salary, your tax allowances and deductions, and the date from which the tax card is valid. The tax card in Denmark is an e-card. This means that once you have registered with SKAT your employer can access information about your taxation percentage electronically.

Please note, however, that although your employer can access your tax information electronically, it is your responsibility to check that the information on your tax card is accurate.

The Danish tax card is divided into two parts - a primary card and a secondary card. The two cards state the same information. The difference is that the primary card is used by your main employer and the secondary card is only used if you have an extra job.

You can also read about taxation in Denmark at SKAT´s website and in the tax guide published by SKAT, “Tax in Denmark – an introduction for new citizens”.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

Your health insurance card is a proof of the fact that you are covered by the Danish healthcare system. You will have to present your health insurance card in connection with all health care services, such as when you visit your GP or a hospital - including the accident and emergency department.

Your health insurance card is also often requested as a means of proof of your CPR number. You will be asked for your health insurance card by most public and many private service points as a means of identification of your CPR number. It is recommended that you always have your health insurance card with you.

Read more about how to get a CPR number under CPR Number.

Residents of Denmark are legally required to have a CPR number. You will also notice that your CPR number is your access number to a number of services in Denmark. You will need it to open a bank account, get a Danish phone number, borrow books at the library, take out insurance, etc.

Small towns may only have one or two local taxi operators, but in most cities you will find that many taxis belong to large companies. All taxis in Denmark are licensed by the authorities. They are equipped with meters and fares are regulated. Danish taxis are easily recognised by the green and yellow illuminated on their roof or in the windshield. The light indicates whether or not the taxi is free. If it is on it is available for service the light will be on. If the light is off, the taxi is occupied.

Many train and bus services correspond, and the internet journey planner, www.rejseplanen.dk, simplifies finding out which services that do so. Rejseplanen.dk (the Journey Planner) is based on data provided by all the bus and rail operators and most of the ferry services in Denmark – local as well as national.
 

Non-EU/EEA citizens must apply for, and be issued with, a residence andawork permit to reside and work in Denmark. The forms you need to fill in to apply for a residence and work permit depends on your reason for moving to Denmark. It is your own responsibility to obtain a residence and a work permit. If you reside and work illegally in Denmark, you can be deported, fined or imprisoned.

CPR stands for Centrale Person Register, which translates as the Civil Registration System.

A CPR number is a personal identification number which, among other things, facilitates accurate linkage between all Danish national registers.

Your CPR number consists of ten digits. The first six digits are your date of birth, and the last four are your unique identification number. The last digit of your CPR number indicates your sex. If it is an odd digit you are male, and if it is an even digit you are female. For example, if your CPR number is 220550-6218, you were born on 22 May 1950 and you are female.

You can read more about the Civil Registration System at their website.

Citizens from EU/EEA countries can reside and work in Denmark in accordance with the EU rules of free movement of services and people. You can read more about free movement within the EU ate the European Commission’s website.

EU/EEA citizens are exempt from the regulations concerning residence and work permits, but must instead apply for a Certificate of Registration, also referred to as a Registration Certificate. Read more about Certificate of Registration at the Danish State Administration’s website.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

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.

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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

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.

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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.

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.

It is advisable to make an appointment with the bank of your choice when you want to open a bank account. This will allow the bank to ensure that your advisor speaks English and conversant with international banking legislation. At the meeting you can discuss with your advisor your needs, wishes and expectations. Remember to take with you your CPR number, passport and employment contract or documentation for educational programme if you are a student.

You can designate your basic bank account as your Easy Account for the receipt of public-sector payments such as child benefits.

When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

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.

In March your tax assessment notice is available online in your personal tax folder (See Tax calendar). The figures in your tax assessment notice are based on your personal tax information, and relate to the previous assessment year. Your tax assessmentstates your income, tax allowances and deductions and taxes paid the previous year. And in accordance with the information in your tax information, your tax assessment notice includes a calculation of your tax payments in the previous year, and will state if you have paid too much or too little. If you have paid too much tax, SKAT will credit any overpaid tax to your Nemkonto Easy Account.

It is your responsibility to check that the figures on your tax assessment notice are correct. If there are any wrong or missing figures on your tax assessment notice, you are required to report this to SKAT. The deadline for changing your tax assessment notice is in early May.

The e-tax system enables you to access your tax file, notify SKAT about incorrect and/or missing figures and submit your tax assessment notice electronically. You find more information about submitting your tax assessment notice on SKAT’s website. You can also obtain help changing your tax assessment notice by calling SKAT on:  +45 72 22 18 18.

Unless you have deselected the paper version of the tax assessment notice via e-tax, you will also receive a paper copy of your tax assessment notice by post in March or April.

On SKAT’s website, you will find an example of a preliminary income assessment of 2009. The example includes an explanation of the different elements of an assessment.

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.