In Denmark, the high digitization of the system makes it possible to do most things online. A key component of this system is the NemKonto, which is the bank account into which funds from public institutions, such as tax refunds, vacation benefits and Feriepenge, are transferred. The choice of NemKonto is made by the employee, who can also opt for a bank account in Poland. It is important that the chosen account is easily accessible and planned for long-term use.
The process of setting up a NemKonto in Denmark can be complicated, especially for those who have recently arrived in the country or are unfamiliar with local administrative procedures. To make it easier, Radner offers full assistance in setting up a NemKont. With our support, you can be sure that all the formalities will be carried out correctly, quickly and without unnecessary difficulties, giving you comfort and reassurance.
Every person residing and working in Denmark should have a standard bank account, known as a NemKonto. This account is used to collect all debts from public institutions. Any account can be designated, whether new or existing. Receivables such as labor wages, tax refunds, vacation fund payments (feriepenge), child allowances, housing allowances, unemployment benefits and pensions are transferred specifically to the NemKonto.
The project to digitize the Danish public sector also includes NemKonto. With NemKonto, public entities in Denmark can directly transfer funds to the taxpayer's bank account. NemKonto registration is fully secure and improves the efficiency of information exchange between citizens and Danish institutions.
Establishing a NemKonto as soon as possible after starting work in Denmark is crucial to be able to collect all the funds to which you are entitled. Assigning an account as a NemKonto should not be postponed - getting it done quickly is beneficial. If you need assistance with registering a NemKonto, we provide the following.
It is important to set up this account as soon as possible after you start working in Denmark, so that you can receive all the funds due to you. It is not worth delaying in assigning the account as a NemKonto - the sooner you get it done, the better. If you need support in setting up a NemKonto, we are happy to help.
With NemKonto, Danes can effectively manage their finances and seamlessly receive payments from public institutions. It is a key financial tool that facilitates access to the numerous benefits offered by the state to citizens. The convenience and security offered by NemKonto make it possible to receive funds from various public institutions quickly. Managing finances becomes simpler, as it is no longer necessary to pick up checks or visit administrative offices.
Instructions for setting up a NemKont:
1. Documents to be prepared:
- Passport or other identity document required.
- Danish CPR (identification) number.
- You will also need to provide proof of your address in Denmark, such as a utility bill or rental agreement.
- In addition, certain banks may require proof of employment or a certificate from a university.
The CPR number is a nine-digit identifier that includes your date of birth and four unique digits. It is given to all individuals who have to pay taxes in Denmark, as well as citizens and residents who are 18 years of age or older.
2. Registration form: Download the NemKonto form from the Danish Digitaliseringsstyrelsen website and fill it out according to the instructions.
3. Registration options: If you have a Danish bank account and a NemID or digital signature, you can do all the paperwork online at nemkonto.dk. Alternatively, you can fill out the form by hand. Attach a copy of an identity document, such as a driver's license, passport or ID card, to the form. For verification, get your signature notarized or arrange for the signatures of two witnesses, who must also provide their information, such as address, PESEL number, and sign in their own hand. These types of safeguards are used to prevent unauthorized persons from submitting false applications.
4. Submitting the form: If you have a Danish bank account, you can complete all the paperwork online. However, if you have a foreign account, the completed form and additional documents must be sent by mail to the Danish tax authority SKAT. In the form you need to provide the IBAN number, which includes the prefix PL (or the code of the country where your account is located). Information on your bank's BIC/SWIFT code can be found online. If you use a Danish account, this is also possible online, using either a digital signature or NemID.
5. Receipt of activation code: After submitting the form, the activation code should reach you by mail within 30 days. This code will be valid for 30 days from the date of receipt. To activate your NemKonto, use the code as soon as possible.
6. Activating your account: To activate your NemKonto, use the automated phone system by calling the number provided in the activation code letter. Enter the code you received to complete the activation process. After completing these steps, your NemKonto will be ready to receive payments from Danish public institutions.
If you are opening a bank account in Denmark for the first time, you will usually need to visit one of the bank's branches in person. To arrange a visit, contact the bank branch of your choice.
All transactions related to tax authorities and other administrative bodies will be processed through NemKont. Waiting for a decision from the tax authority usually takes from 3 to 6 months.
There is no cost involved in setting up a NemKont. The process of assigning any Danish account to NemKont is simple for those with MitID, and it is possible to do so electronically. No Danish citizenship is required to obtain a MitID, but it is necessary to have a CPR number and a valid identity document. Alternatively, it is possible to register a Polish bank account as a NemKonto, but in this case you must use traditional methods - sending a form by mail or visiting the office in person.