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How do you switch banks in Denmark?

Moving your account to another bank.

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Short answer

Start with the new bank: tell it you want to switch and which recurring payments should move. The new bank makes sure the old bank sends over the data and cancels your standing orders. It then informs payers such as your employer, sets up the standing orders again and accepts your direct debits. Your NemKonto is easy to change: in most online banks, at nemkonto.dk with MitID, or by asking your new bank to do it.

Practical info

Why

  1. Most of the work is done by the new bank.
  2. Salary and public payments must reach the new account.
  3. If the bank misses a deadline or makes errors, it must refund your costs.

Details

When moving an account to a bank in another EU country, the old bank must give you a free list of standing orders and direct debits from the past 13 months.

Tip

Keep the old account open until salary and the first direct debits have reached the new one.

What may differ

The old bank may charge a fee for closing the account.

Common misconception

Many think they must contact every payer and creditor themselves.

What actually happens

The new bank handles the transfer of payments and informs third parties.

People also ask

  • How do I change my NemKonto?
  • Do Danish banks charge account fees?
  • Where can I complain about my bank 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.

Practical info
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