When does late payment interest start to run in Denmark?
The start date for morarente.
Short answer
Late payment interest is due from the due date if that date was set in advance, for example on an invoice with a fixed payment date. If no due date was set, interest runs once 30 days have passed since the creditor sent or made a request for payment. In that case it cannot start until 30 days after you were able to get the information needed to check the claim. At the latest, interest runs from the day the creditor starts legal proceedings.
Why
- A fixed payment date means interest from that very day.
- Without a due date you get 30 days from the payment request.
- Going to court starts interest at the latest.
Details
The rules are in section 3 of the Interest Act (renteloven).
Tip
Pay invoices by the date printed on them, because interest can run from the very next day.
What may differ
The interest rate itself changes on 1 January and 1 July each year.
Common misconception
Many think interest only starts after the first reminder.
What actually happens
With a fixed due date, interest can run from the due date even if no reminder has been sent.
People also ask
- What is the morarente rate in 2026?
- Can a company charge both interest and a reminder fee?
- What is a påkrav?
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 infoRelated questions
-
What is the Danish Payments Council?
The Danish Payments Council is a forum for cooperation on retail payments in Denmark, set up by Danmarks Nationalbank in 2012.
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Can you pay by card in Denmark if the payment system goes down?
Often yes.
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When did Apple Pay and Google Pay come to Denmark?
Apple Pay was launched in Denmark in 2017, Google Pay in 2018 and Samsung Pay in 2022.
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How much of Danish card spending is online?
In 2025 e-commerce accounted for 30 % of total card turnover in Denmark, up from 22 % in 2019.

