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Denmark - Bank account

What you need to know to open a bank account in Denmark

Most large banking institutions have an international department. You can call for an appointment or have it set up for you by the relocation company. You must be present to open your account, in order to select from the various options, sign all the forms and to ask any clarification. The meeting can be held in English and is the occasion for the bank employee to introduce you to their home banking system.

In order to open a bank account, joined with your spouse or personal, you need to have your CPR number (danish personal identity number). You do not need a letter of reference or credit history proof from previous banks, but it is a good idea to bring your work contract. It does not cost anything to open a bank account, neither does the credit card, unless you choose American Express.

Interest rates on normal accounts are very low. On saving accounts, or in connection with a mortgage, you can have some options. You should discuss your particular situation with your bank advisor at the meeting when opening your accounts.

Once you have your CPR number, you want to open the account as quickly as possible and the reason is the Danish visa/dankort (Danish debit card,without which you may find it hard to pay in shops and supermarkets. It can get frustrating when, after having filled your cart with groceries, you discover at the cashier that you cannot pay unless you have a dankort, as most supermarkets do not accept any other form of credit/debit card.
Checks are rarely used in Denmark.

Danske Bank
International Private Clients
Holmens Kanal 2
1090 København K
Tel: +45 70 25 11 22
e-mail: [email protected]

Jyske Bank
Private Banking
Vesterbrogade 9
1780 Copenhagen V
Tel: +45 89 89 62 53
Fax: +45 89 89 61 94
General manager: Kim Dalsgaard
email: [email protected]

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