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Can a company in Denmark refuse your bank account from another EU country?

Your EU IBAN must be treated like a local one.

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Short answer

A company may not refuse your account for SEPA credit transfers or direct debits just because the account is in a different EU country from the company. This applies when the company accepts domestic accounts for the same kind of payment. Under EU rules a payment in euros within the EU must not cost more than a national payment of the same value in euros. If a company still refuses your account, you can complain to the competent authority in the company's country.

Practical info

Why

  1. Newcomers often keep their old EU bank account at first.
  2. The rule covers SEPA transfers and direct debits.
  3. A complaint goes to an authority, not only to the company.

Details

If a direct debit was taken from your account, you can ask for a refund within 8 weeks.

Tip

Keep a copy of the refusal, for example an email or a screenshot, before you complain.

What may differ

Danish public payments go to your NemKonto, which has its own rules, so this rule does not decide where public benefits are paid.

Common misconception

Many think a Danish company can demand a Danish bank account for every payment.

What actually happens

For SEPA transfers and direct debits, an account in another EU country must be accepted on the same terms.

People also ask

  • Does it cost extra to send euros to a Danish bank account?
  • Can you use a foreign bank account as your NemKonto?
  • Is the Danish krone pegged to the euro?

Sources

This answer is for reference only. Payment rules, limits and fees change, so check the official sources or your bank before you pay.

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