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How fast does a bank transfer arrive in Denmark?

Instant and same-day transfers.

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Short answer

In 2026 instant transfers (straksoverførsler) between Danish bank accounts have an upper limit of 500,000 kr and can be made around the clock on every day of the year, for example from a netbank or a mobile payment. Other account-to-account transfers, such as salary and public payments, go through intraday clearing, where banks settle four times a day at 1.30, 9.00, 12.00 and 14.00. This makes it possible to move money between two banks on the same day. Payments by Dankort and Betalingsservice are settled once a night at 1.30, plus at 6.00 on the first banking day after a bank holiday.

Practical info

Why

  1. Large sums above 500,000 kr cannot be sent as instant transfers.
  2. Ordinary transfers depend on fixed settlement times.
  3. Bank holidays delay the settlement of card and Betalingsservice payments.

Details

Instant payments in Denmark are handled in TIPS, part of the European Central Bank's TARGET Services.

Tip

If a payment must arrive on a deadline, choose instant transfer in your netbank instead of a standard transfer.

What may differ

Amounts above 500,000 kr have to be sent another way and may take longer.

Common misconception

Many think a transfer to another Danish bank always takes until the next banking day.

What actually happens

Instant transfers arrive at once, and ordinary transfers can arrive the same day.

People also ask

  • Which days are banks closed in Denmark?
  • Is there a limit on instant transfers?
  • When is Betalingsservice drawn from my account?

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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