Documents needed to open a bank account in Denmark in 2022
- A photo ID, like a valid passport
- A CPR (the ten digit unique number of identification which is issued for all Danish residents) number
- Proof of address in the country
- An employment contract, if the person in question is working in Denmark.
- Some banks will have a minimum opening deposit amount which you need to pay in to set up the account.
Most Danish bank accounts will come with a Dankort—the national debit card—which can generally only be used in Denmark. Be sure to confirm your options for accessing your account outside of the country, and request that access immediately, as it can take weeks to receive it.
It’s also important to consider the bank’s languages of service. Most banks will have support available in English, but it’s worth confirming that they offer multiple languages. Make sure to request your documents in your preferred language, otherwise they’ll be automatically processed in Danish.
Opening a bank account in Denmark should not be too difficult. If you have questions, bank staff are highly likely to speak English and all offer online chat or phone services to answer quick queries. Normal banking hours in Denmark mean that branches will be closed over the weekend, but with slightly extended opening times on Thursday evenings. Bear that in mind when seeking advice about opening your account.
Banking fees and charges
When you open a bank account in Denmark, it’s important to read the small print – especially when it comes to banking fees and charges.
Some banks will apply regular charges to keep your account open or use a credit or debit card. There may also be a set fee for withdrawing cash from ATMs operated by different banks. Although usually relatively small, these fees and charges mount up over time.
Watch out also for high fees if you need to regularly move money between accounts which use different currencies. This can be a big problem if you derive income in a different currency and need to switch it to pay for daily life in Denmark.
Using a bank to transfer currency across national borders is costly. As well as a charge for processing the transaction, the bank’s profit will be rolled into the exchange rate.