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Can you split a large cash payment into smaller ones to stay under the limit in Denmark?

Linked payments count as one

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Short answer

No. As of November 2026, a business may not accept cash of 15,000 kroner or more, and the ban also applies when the amount is paid in several parts that are, or appear to be, linked. Paying 10,000 kroner today and 10,000 kroner next week for the same purchase is therefore treated as one payment of 20,000 kroner. If the total is 15,000 kroner or more, pay the whole amount, or at least the part above the limit, by transfer or card.

Practical info

Why

  1. Splitting payments is a known way to hide large cash amounts.
  2. The rule looks at the whole deal, not at each receipt.
  3. The business that accepts the cash breaks the rule.

Details

The 15,000-kroner limit is in section 5 of the anti-money laundering act, consolidated on 17 April 2026.

Tip

Ask for an invoice with bank details, then the payment is documented for both of you.

What may differ

A business may decide that two unrelated purchases on different days are separate; the question is whether they are linked.

Common misconception

As long as each receipt is under 15,000 kroner, any cash total is allowed.

What actually happens

Payments that belong to the same deal are added together.

People also ask

  • What is the cash limit for paying a business in Denmark?
  • Why does a Danish bank ask where my cash comes from?
  • Is there a limit on cash between private persons in Denmark?

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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