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Should you close your Danish bank account when you leave Denmark?

What to do with your account when you move away.

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Short answer

Not right away. Wait until you have received your tax assessment notice before you close your NemKonto, because tax refunds, holiday pay and pensions can still be paid after you leave. Once you are registered as emigrated you no longer have to have a NemKonto, but keeping one avoids delays. You can also switch your NemKonto to a foreign account. Give your foreign address to the CPR register when you move, so letters from NemKonto reach you.

Practical info

Why

  1. Payments from Denmark can come long after you have moved.
  2. Without a NemKonto the money waits on a holding account.
  3. A wrong address can stop the NemKonto activation letter.

Details

If public money arrives when you have no NemKonto, you have 3 years to claim it.

Tip

Register a foreign account as NemKonto before you close the Danish one.

What may differ

Your bank may have its own rules for customers who live abroad.

Common misconception

Many close their Danish account in the last week before they leave.

What actually happens

A tax refund or holiday pay can arrive months later, so keep a NemKonto until the tax assessment.

People also ask

  • Can a foreign account be my NemKonto?
  • What happens to public payments if I have no NemKonto?
  • How do I tell CPR that I am moving abroad?

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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