Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Many companies that collect regular payments charge a fee from customers who do not pay via the electronic payment solution provided by Nets Betalingsservice. Read more about PBS Betalingsservice under Betalingsservice from Nets.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

Many companies that collect regular payments charge a fee from customers who do not pay via the electronic payment solution provided by Nets Betalingsservice. Read more about PBS Betalingsservice under Betalingsservice from Nets.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

Many companies that collect regular payments charge a fee from customers who do not pay via the electronic payment solution provided by Nets Betalingsservice. Read more about PBS Betalingsservice under Betalingsservice from Nets.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

Many companies that collect regular payments charge a fee from customers who do not pay via the electronic payment solution provided by Nets Betalingsservice. Read more about PBS Betalingsservice under Betalingsservice from Nets.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

Many companies that collect regular payments charge a fee from customers who do not pay via the electronic payment solution provided by Nets Betalingsservice. Read more about PBS Betalingsservice under Betalingsservice from Nets.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

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.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

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.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

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.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

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 

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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.

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

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.

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.

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.

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.

Many companies that collect regular payments charge a fee from customers who do not pay via the electronic payment solution provided by Nets Betalingsservice. Read more about PBS Betalingsservice under Betalingsservice from Nets.

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.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

Most ATMs (automated teller machines) in accept Eurocard, Visa, Cirrus and MasterCard. When you use a foreign credit card the text on the screen of the ATMs is often in English and other languages. When using a Danish credit card, however, the text is usually in Danish. You will find ATMs at most banks. Note that a charge is usually made for transactions with foreign credit cards as well as Danish credit cards.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

Most ATMs (automated teller machines) in accept Eurocard, Visa, Cirrus and MasterCard. When you use a foreign credit card the text on the screen of the ATMs is often in English and other languages. When using a Danish credit card, however, the text is usually in Danish. You will find ATMs at most banks. Note that a charge is usually made for transactions with foreign credit cards as well as Danish credit cards.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

In supermarkets and shops you will frequently hear people use the phrase "på beløbet”. What they mean is that they want the precise amount of the transaction charged to, or withdrawn from, their account.

One alternative to this is to ask for cash in connection with a purchase. This may involve one or two hundred kroner over the amount of the purchase, or having the amount rounded up to the next full hundred, sometimes more. Doing this avoids, for instance, having to withdraw cash from an ATM, for which a charge is made.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

Stores and other service providers have the right to impose a surcharge for transactions involving foreign credit cards. This surcharge varies between 2% and 5% and is determined by the individual store or chain. This decision is often based on how much of the store’s turnover is derived from international credit cards. Before you pay with a foreign credit card ask the service assistant whether the store charges for the transaction.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

There are many banks in Denmark, large as well as small. Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such  service, as it will make daily life much easier.

Remember to ask your advisor about the various fees for the services offered by the bank.

To find the bank with the lowest fees, you can use www.pengepriser.dk. The site is in Danish only. On the front page you can click on the family situation applicable to you - single, have a family or are a senior citizen (single or couple). Based upon your family situation and whether you rent (lejer) or own (ejer) your home, and your annual income before tax, the website will compare banks and suggest the cheapest bank that matches your selection.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.

Nets Betalingsservice is the Danish banks’ and savings banks’ payment service provider. Betalingsservice is an electronic payment solution (direct debit service) provided by Nets. Nets is owned jointly by the banks and savings banks and the Danish National Bank. By signing up bills from creditors, who use Betalingsservice, the payments will be debited automatically from your selected account on the date each payment is due.

More information about Betalingsservice is available in English on Nets’ website, www.nets.eu.

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.

If you sign up e.g. your mobile phone bills with Betalingsservice, the phone company will send all relevant invoice information – the amount you are to pay and the due date, etc. – to Nets.

Betalingsservice will list the invoice information in a payment pre-notification, in which all your Betalingsservice payments are listed. The Betalingsservice pre-notification will be sent to you - either on paper or electronically via your online banking system. As long as you do not refuse any of the payments, the payments will be transferred automatically from your account to your phone company’s account on the due date.

If you want to deposit cash exceeding €1,000 you must be able to prove where the money came from. International anti-laundering regulations require banks to ensure that cash deposited is legitimate. We advise that in order to avoid complications to take a statement along with you from your home bank.

When opening an account you will usually get a Danish debit card. Depending on the bank’s evaluation of your individual credit worthiness, you will be issued with either a VisaDankort or a Visa Electron card. The main difference between these two cards is that Visa Electron is limited to the amount available in your account. Visa Electron, in contrast to VisaDankort offers no overdraft facility. Some banks issue a MasterCard instead of a VisaDankort.

Remember that your bank is likely to charge a fee for withdrawing money from other banks’ ATMs. Please check with your bank advisor.

You can use your debit card to withdraw cash in supermarkets and shops. Typically when you pay, the cashier will ask you whether you want to pay the exact amount - “på beløbet”. You can ask for a higher amount, thereby using your debit card to withdraw money.

To sign up with Betalingsservice you must have a Danish bank account. You may choose to have your different payments debited from different accounts if you have more than one Danish bank account.

There are different ways of signing up payments with Betalingsservice:

• You can sign up payments by contacting your bank. The bank will request a Nets number, a debtor group number and your membership-, customer- or policy number. You can usually find the information needed on a payment slip or an invoice from the relevant company.

• Some companies offer to sign your payments to Betalingsservice when you become a customer.

• In your online banking system, you can sign up bills to Betalingsservice. If you have any questions, contact your bank.

• On some companies’ website you can sign up your payments to the company with Betalingsservice.

Banks are open on Mondays, Tuesdays, Wednesdays and Fridays from 10.00 to 16.00 and on Thursdays 10.00 to 17.30 or 18.00. Many public sector offices also stay open longer on Thursdays. Weekends: closed.

Online banking is generally available between 06.00 and 02.00.

The currency in Denmark is Danish Kroner (DKK). Most prices in Denmark are given in DKK, and it is also the only currency accepted by most shops. Some stores, especially those in tourist areas, do accept Euro. You should, however, be aware of that the exchange rate can be poor and that you will often get Danish Kroner in return.

You can find a list of current exchange rates on the website of the Danish National Bank, Danmarks Nationalbank .

Credit cards such as Visa and MasterCard are widely accepted in Denmark. American Express and Diners Club are also accepted, but not as often. Make sure to check whether an extra fee will be charged, Supermarkets in particular charge a fee when you pay with a credit card issued by a foreign bank.

You can unsubscribe your different Betalingsservice payments by contacting your bank. When you unsubscribe a payment, no future payments to the company will be executed via Betalingsservice. If you want to stop payments that have already been notified, you must unsubscribe the payment no later than two banking days prior to the due date.

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

You will find cash machines inside or outside most banks, which allow you to withdraw cash on Visa and MasterCard credit cards. You will get a good rate when withdrawing money directly from a Danish ATM, but bear in mind that your home bank may charge you a fee for international transactions or for using another bank’s ATM – check before you leave as this will help you avoid unpleasant surprises.

Most Danish bills have pre-printed payment slips attached. You can pay your bill at your bank, with online banking or at a post office. Note that post offices and the banks charge a service fee of no less than DKK 20 per over-the-counter payment.

A two-digit code on a payment slip indicates the type of payment involved. The two digits are followed by a two groups of numbers separated by a ‘+’ sign. These are the giro account number or payment ID and/or a supplier code.

If you will be paying more bills from the same supplier in future, you may want to opt for direct debit via Nets (a Nordic provider of payments, card and information services). Bills will be paid automatically once they have been registered by the system. You will have to make manual payments until registration has fallen into place. Read more about Nets under the heading Betalingsservice from Nets.