Money, cards and MobilePay
Denmark pays in Danish kroner, not euros, and most payments are made by card or phone. Currency, cash rules, MobilePay limits and fees, Dankort, ATMs and tipping.
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How do you switch banks in Denmark?
Start with the new bank: tell it you want to switch and which recurring payments should move.
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Are deposits above EUR 100,000 ever covered in Denmark?
Yes, in some cases.
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Did Danish banks have negative interest rates on deposits?
Yes, for a period.
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Do Danish banks charge fees on current accounts?
Each bank sets its own fees, so the price of an account and a card is not the same everywhere.
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What happens to public payments if you have no NemKonto?
If a public payer sends you money while you have no NemKonto, the amount is held in a holding account (ventekonto) run by the Agency for Digital Government, and you get a letter.
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Can you use a foreign bank account as your NemKonto?
Yes, a NemKonto can be a Danish or a foreign bank account.
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How do you register a NemKonto?
You need a Danish CPR number first.
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What is included in a basic payment account in Denmark?
A basic payment account in Danish kroner lets you deposit money, withdraw cash and make and receive payments, including direct debits, card payments and transfers within the EU.
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Can a Danish bank refuse to open a basic account for you?
Only in a few cases: if you cannot show a genuine interest in the account, already have a Danish payment account, have committed criminal acts against the bank or have behaved offensively towards its staff or customers.
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Can you open a bank account in Denmark without a CPR number?
It can be possible: a Danish bank starts from your name and CPR number, but if you do not have one, it may identify you by another number, such as your passport number, driving licence number or date of birth.
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Do foreigners have the right to a bank account in Denmark?
Yes, if you are legally resident in the EU or EEA: Danish banks must offer every consumer a basic payment account in Danish kroner.
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Do you pay a fee when you use a card from a euro country in Denmark?
If you pay or withdraw in euros within the EU, you may not be charged more than for a domestic payment in euros, and this also applies in Denmark.
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Is parking free in Copenhagen at weekends?
No, parking in Copenhagen's four paid zones is charged every day of the week, also on Saturdays and Sundays.
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Can you withdraw Danish kroner from an ATM with a foreign card?
Yes, you can withdraw Danish kroner from ATMs with a foreign credit or debit card.
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Is service included in restaurant bills in Denmark?
Yes, service is normally included in the bill at Danish restaurants, so you do not need to add a service charge yourself.
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Do you tip taxi drivers in Denmark?
You do not have to tip taxi drivers in Denmark, because service charges are already included in taxi bills, just as in restaurants and hotels.