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What is included in a basic payment account in Denmark?

The services the account must offer.

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Short answer

A basic payment account in Danish kroner lets you deposit money, withdraw cash and make and receive payments, including direct debits, card payments and transfers within the EU. You get a debit card with balance control and online banking if the bank offers it on similar accounts. Credit cards, overdrafts and loans are not part of it. The bank only has to offer these services to the extent it offers them to its other private customers.

Practical info

Why

  1. It covers the everyday payments you need to live in Denmark.
  2. Balance control means you cannot spend more than you have.
  3. The account can also be used as your NemKonto.

Details

Cash withdrawals in other EU countries are also part of the services the account must offer.

Tip

Ask for the fee information document before you sign, so you see the price of each service.

What may differ

Fees for the services can be zero or a reasonable amount set by each bank.

Common misconception

Some think a basic account is a cut-down account without a card.

What actually happens

A basic payment account includes a payment card and card payments.

People also ask

  • Can I get a credit card with a basic account?
  • Do Danish banks charge account fees?
  • Can a bank refuse a basic 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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