Most frequently asked questions (FAQ) about NemKonto.
What is a NemKonto?
Who needs to have a NemKonto?
Why introduce NemKonto?
How do I inform the authorities about my NemKonto?
What if I haven't got a bank account?
What if I cannot get a bank account?
Can I still receive my money by check?
Who can see my account number?
What if I change my bank or my account?
Can I receive public payment to an account other than my NemKonto?
What does it cost to set up a NemKonto?
Where can I get more information?
A NemKonto is a normal bank account which you already have, and you assign it as your NemKonto. All payments from public institutions will be transferred directly to this account.
All citizens and companies in Denmark.
NemKonto is part of a project to digitize the Danish public sector. There are numerous advantages with NemKonto – for the government, for citizens and for companies:
- You no longer need to go to the bank to cash checks from public institutions.
- You can assign or change your account information at one place.
- Public offices save time and money by avoiding payments in cash or check.
- Public authorities will use less time updating account information.
- Contact your bank and inform them which account to assign as your NemKonto
- Visit www.nemkonto.dk and assign a account number yourself. You can only do this if you have a NemID or a digital signature.
- Change your NemKonto in your home banking system – 90 pct. of the Danish banks offer this service.
If you don’t have a bank account then you can use your spouse’s account, and assign that as you NemKonto
If you haven’t got access to any account through a spouse, you can choose a bank and ask them to open an account for you and then you can assign that as your NemKonto.
In this case you must contact the public office from where you receive payment. They’re required to make the payments to you, and can probably help you find a solution.
In principle, the money can no longer be paid by check once NemKonto takes effect. However, there might be special cases where a public entity is unable to make payments electronically. In such cases, it’s up to the particular public office to find a solution.
The only ones who can see your entire NemKonto number and the account information are you and your bank.
You have to change your NemKonto if you get a new bank. You can also do it yourself at www.nemkonto.dk if you have a NemID or a digital signature. You can also contact your bank to change your NemKonto.
You only have one account which is assigned as a NemKonto. However, it’s also possible to assign a “specific account” for particular payments. A specific account requires a separate submission which is not updated automatically. So it’s advisable to use your NemKonto to the extent possible.
It is free of charge for both citizens and companies to assign an account as a NemKonto.
If you can't find an answer for your question her on www.Nemkonto.dk you’re also welcome to call NemKonto Support at +45 44 60 63 68.