Frequently Asked Questions

NemKonto is the bank account used by all public authorities in Denmark, when they transfer money to your company. It is an existing, ordinary business account, which public authorities use for making payments.

All companies in Denmark should have a NemKonto connected to their CVR number, which public authorities can use to pay benefits and reimbursements. The NemKonto system means that public authorities make payments to citizens’ and companies’ accounts via their civil registration number (CPR number) or CVR number. The NemKonto system is a database that links the citizen’s CPR number or the company’s CVR number to the bank account selected as their NemKonto.

Companies can designate and change their NemKonto in two different ways.

If the company wants a Danish account as its NemKonto, you must contact a financial institution (e.g., a bank) in Denmark. Here you can read more about how the company designates a Danish account as NemKonto.

If the company wants a foreign account as its NemKonto, you must complete and submit an application to the Agency for Digital Government (Digitaliseringsstyrelsen). Here you can read more about how the company designates a foreign account as NemKonto.

On the self-service solution for companies, you can always see the company’s active NemKonto.

The NemKonto system uses the company’s CVR, SE or P number as identification, when an authority makes payments to the company’s NemKonto.

Companies with several SE and P numbers can assign a NemKonto for each SE and P number if they want.

Currently, not all payments can be made to a P number. If you want your payments to be made to a NemKonto assigned to a P number, please contact the paying authority and ask about the possibilities.

Electronic invoicing is not affected by NemKonto. Many companies have public-sector clients, and they will still have any transfers paid into the account specified on their e-invoice to the public authority.

However, if the company has not stated an account number or an FI creditor number on the e-invoice, the payment will be transferred to the company’s NemKonto.

The NemKonto Act does not regulate which account type can be designated as a NemKonto. The law regulates which financial institutions can receive payments.

Several financial institutions see a problem with running business finances through a private account. The reason for this is that there are different rights associated with private and business accounts in relation to, for example, money laundering and insurance. Therefore, most financial institutions in Denmark require companies to open a business account.

It is the financial institution that decides whether they will allow a company to use a privately owned bank account for business purposes.

In some cases, a company may want certain payments to be made to an account other than the company’s NemKonto. That is called a payment-specific account. Companies that want a specific account must contact the paying authority. It cannot be assigned by the company’s financial institution..

Associations registered with a CVR number should also designate a NemKonto. The NemKonto must be set up no later than at the time of the first payment from a public authority in Denmark.

Associations without a CVR number are not required to designate a NemKonto.

The public authorities can only transfer money to your NemKonto. They cannot withdraw money from the account or view transactions, and they do not have direct access to view your account number.

You can always see which account is designated as the company’s NemKonto in NemKonto’s self-service solution.

Please note that the company must have MitID Erhverv to log in to the self-service solution.

Companies can also contact NemKonto Support if there is any doubt about which account is the company’s NemKonto.