How do you register a NemKonto?
Two ways to set up your NemKonto.
Short answer
You need a Danish CPR number first. Then either ask your Danish bank to register one of your accounts as NemKonto, or log in to the NemKonto self-service at nemkonto.dk with MitID and choose an account. With self-service you get an activation letter by post to your CPR address, usually within 10–14 working days, and the NemKonto is not active until you enter the code. The code is valid for 60 days from the day you nominated the account.
Why
- Public payments go only to a registered NemKonto.
- The letter by post protects you against fraud.
- A wrong CPR address can stop the letter from reaching you.
Details
The activation letter is never sent by email, Digital Post or to another address, for security reasons.
Tip
Check that your address in the CPR register is correct before you choose or change your NemKonto.
What may differ
Post to an address abroad can take longer than 10–14 working days.
Common misconception
Some think the NemKonto works as soon as they pick it online.
What actually happens
After self-service the account is only active once you enter the code from the letter.
People also ask
- How do I change my NemKonto?
- Can a foreign account be my NemKonto?
- What if I never got my activation letter?
Sources
- NemKonto: Nominating a NemKontoChecked at:
- Life in Denmark: NemKontoChecked at:
- NemKonto: Questions and answers for citizensChecked at:
This answer is for reference only. Payment rules, limits and fees change, so check the official sources or your bank before you pay.
Practical infoRelated questions
-
What is the Danish Payments Council?
The Danish Payments Council is a forum for cooperation on retail payments in Denmark, set up by Danmarks Nationalbank in 2012.
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Can you pay by card in Denmark if the payment system goes down?
Often yes.
-
When did Apple Pay and Google Pay come to Denmark?
Apple Pay was launched in Denmark in 2017, Google Pay in 2018 and Samsung Pay in 2022.
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How much of Danish card spending is online?
In 2025 e-commerce accounted for 30 % of total card turnover in Denmark, up from 22 % in 2019.

