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What is the late payment interest rate (morarente) in Denmark?

How late payment interest is set.

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Short answer

Late payment interest (morarente) is an annual rate equal to the reference rate plus 8 percentage points. The reference rate is the official lending rate that Danmarks Nationalbank has set on 1 January and on 1 July, so the morarente changes twice a year. From 1 July 2026 the morarente is 10 % a year. It applies when you pay too late as a consumer.

Practical info

Why

  1. The rate follows Nationalbanken's lending rate.
  2. The 8 point supplement has applied to claims due after 1 March 2013.
  3. Interest comes on top of any reminder fees.

Details

The Minister of Justice may change the rate every two years, but the supplement cannot go below 8 percentage points.

Tip

When you check an interest charge, use the rate for the half-year in which the interest ran.

What may differ

The rate changes on 1 January and 1 July, so the figure for 2027 may be different.

Common misconception

Many think a company can charge any interest it likes on a late bill.

What actually happens

The legal late payment rate is the reference rate plus 8 percentage points.

People also ask

  • When does late payment interest start?
  • How much is a reminder fee in Denmark?
  • What is Nationalbanken's lending rate?

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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