Assigning a NemKonto

As a citizen, you can assign a NemKonto in the following account holding institutions:

• Danish banks
• Danish payment institutions
• Danish e-money institutions
• EU/EEA credit institutions
• EU/EEA payment institutions
• EU/EEA e-money institutions
• Faroese and Greenlandic banks
• Faroese payment institutions and e-money institutions
• Credit institutions outside of the EU/EEA

According to the NemKonto law, it is only permitted to assign a NemKonto in a financial institution that is under financial regulation.

You should therefore be aware that certain financial institutions do not have the necessary authorizations. This may be relevant because some financial institutions are not required to comply with the specific security and supervision requirements that apply to other financial institutions.

If you are in doubt as to whether the financial institution, you wish to designate a NemKonto with, is subject to financial regulation, you can search for the institution in the Danish Financial Supervisory Authority’s (FSA) company register.

Please note that the FSA’s company register does not contain a complete list of the financial institutions that can be used for a NemKonto.

You can designate a Danish account as your NemKonto in two ways:

1. Contact your financial institution (e.g. your bank) and ask them to register one of your accounts as your NemKonto.
2. Log in to NemKonto’s self-service using MitID and assign the account yourself.

Please note that not all financial institutions are able to assign a NemKonto for you. At nemkonto.dk, you can find a list of institutions that can designate accounts as NemKonto. Find the list here.

If you use NemKonto’s self-service to assign a NemKonto, please be aware that a physical activation letter will be sent to you by post.

You can read more about the activation letter below.

You also have the option of assigning a foreign account as your NemKonto.

You can designate a foreign account as your NemKonto in two ways:

1. With MitID
2. Without MitID

With MitID

The easiest way to designate a foreign account as your NemKonto is by logging in to the NemKonto self-service with your MitID..

When you have logged in, go to the tab titled "Foreign NemKonto" and fill in the relevant fields.

Without MitID

If you do not have MitID and want to use one of your foreign accounts as your NemKonto, you have to submit the following to the Agency for Digital Government:

1. The NemKonto form for citizens with a signature certified by a notary public, lawyer, or two witnesses – find the form here (pdf).
2. A copy of valid ID for the person signing the form.

When a foreign account is designated as your NemKonto, an activation letter will be sent to you by regular post. Your NemKonto will only be valid, when you have activated it with the code from the letter.

You can read more about the activation letter below.

If you do not have MitID, and you want to choose a foreign account as your NemKonto, you have to send the NemKonto form and the necessary documentation to NemKonto Support.

You can send your documentation via this contact form.

Alternatively, you can send the documentation by physical post to the following address:

The Agency for Digital Government
Att.: NemKonto Support
Slotsgade 1
4800 Nykøbing F 
Denmark

A physical activation letter will be sent by post, if you designate a NemKonto through the self-service or submit an application for using a foreign account as your NemKonto, The activation letter will be automatically generated and sent to the address registered to you in the Civil Registration System (CPR).

If you have registered a contact address in the CPR system, the activation letter will be sent to your contact address.

Please check that your address in the CPR system is current and correct before you assign a NemKonto.

You need the activation letter to activate your NemKonto and begin receiving payments. Your NemKonto will not be active until the code in the activation letter has been used to activate the account. The activation code is valid for 60 days from the date of designation.

Please note that, for security reasons, we cannot send the activation letter by e-mail, Digital Post, or to an alternative address.

The activation letter is generated automatically when a NemKonto is assigned to you. The delivery time of the letter depends on, whether you live in Denmark or abroad.

The letter usually arrives within 10–14 business days, but longer delivery times may occur.

If you want to assist someone else with their NemKonto, please be aware that a written signed power of attorney is required.

If you are helping someone designate a foreign account as their NemKonto, you need to submit:

1. A written signed power of attorney must be provided by the person you are assisting in designating the NemKonto (the power of attorney must be in Danish or English).
2. A copy of valid identification for both parties must be attached.
3. The NemKonto form must be completed according to the documentation requirements described on the first page of the form – find the form here (PDF).

The power of attorney must include:

1. The registration and account number or IBAN and SWIFT (or similar account information) for the account that is to be designated as the NemKonto.
2. A notarization or signatures from two witnesses confirming the identities of both parties.

Please send the NemKonto form and documentation via the NemKonto Support contact form.

Alternatively, you can send the form and documentation by physical post to the following address:

The Danish Agency for Digital Government
Attn.: NemKonto Support
Slotsgade 1
4800 Nykøbing F
Denmark