Frequently Asked Questions

Your NemKonto is the bank account used by all public authorities in Denmark, when they make payments to you. It is a regular bank account that you are already using. You have to decide, which of your regular bank accounts you want to use as your NemKonto.

Below are some examples of payments that are transferred via NemKonto:

• Child benefits 
• Tax refunds 
• Pension payments 
• Salary to public-sector employees 
• Welfare payments

When you log into the NemKonto self-service, you can see which one of your bank accounts is registered as your NemKonto under "Your NemKonto".

If your NemKonto is in a foreign financial institution, you click on "Foreign NemKonto" on the self-service platform in order to see which account is your NemKonto.

You need to use MitID in order to use the NemKonto self-service.

If you have not yet activated your MitID, you can read more about it at www.mitid.dk.

It is easy to change your NemKonto if, for example, you change banks.

You can do so in three ways:

• You can change your NemKonto here at nemkonto.dk. In order to log in to the self-service, you need to have MitID. 
• You can also change your NemKonto in most online banking facilities. 
• You can contact your bank and ask them to change your NemKonto for you.

You can choose to have certain payments – e.g. child benefits – made to an account other than your NemKonto. This is called a payment-specific account. In order to have particular benefits transferred to a payment-specific account, e.g. a shared budget account, please contact the public authority, which is paying the benefits.

Read more about specific account

If you do not have a bank account, you have to contact a bank and ask them to open an account for you. You can also choose your spouse’s bank account as your NemKonto.

Your information is safe. The public authorities can only transfer money to your NemKonto. They cannot withdraw money from the account or view transactions. Nor do public authorities have direct access to view your account number.

In Denmark, payments from public authorities are made via NemKonto. As a foreign national living in Denmark with a civil registration number (CPR number), you need to have a NemKonto in order to receive payments from public authorities. You can create your NemKonto via the self-service by following the link: NemKonto self-service.

Read more about foreign nationals and NemKonto here.