Private Companies’ Use of the NemKonto System

You can become a private payer if your company is located within the EU/EEA or the Faroe Islands. This could, for example, be a company paying salaries to employees or an insurance company paying compensation to policyholders.

As a private payer, you must have an agreement with a so-called private account intermediary and connect to the NemKonto system through them.

Read more about the technical connection for private disbursers here:

Technical connection for private payers

Here is an overview of the private account intermediaries currently connected to the NemKonto system:

Overview of private account intermediaries

Direct Connection to the NemKonto System

Some companies can act as both private payers and private account intermediaries. This requires that the company holds a license as a:

• bank,
• payment institution,
• e-money institution, or
• insurance company.

You can become a private account intermediary if your company is a bank, credit institution, payment institution, e-money institution, or insurance company within the EU/EEA.

A private account intermediary acts as a “technical link” between private payers and the NemKonto system and can perform account lookups on behalf of multiple private payers—including itself if it is also a disburser.

Some private account intermediaries use a financial digital infrastructure operator (formerly known as a data center) and may connect to the NemKonto system through such an operator.

In this case, you must contact the operator. You can read more about operators further down this page.

How to Join as a Private Account Intermediary

If a company wishes to join the NemKonto system as a private account intermediary, it must enter into an agreement with the Danish Agency for Digital Government (Digitaliseringsstyrelsen).

You can read more about the technical connection for private account intermediaries here:

Technical connection for private account intermediaries

Contact NemKonto Support if you want to enter into an agreement with the Agency for Digital Government to become a private account intermediary.

Direct Connection to the NemKonto System

Some companies may act as both private payersand private account intermediaries. This requires a license as a:

• bank,

• payment institution,

• e-money institution, or

• insurance company.

If your company is already operating as a private payment intermediary (a role now referred to as private account intermediary under the new law), the Agency for Digital Government will contact you. If you wish to continue using the NemKonto system, you do not need to take any further action.

The NemKonto Act sets requirements for which companies can act as private account intermediaries. Your company must have a license as a:

• bank,

• payment institution,

• e-money institution, or

• insurance company.

This means that if your company does not hold one of the above licenses, it may only continue to act as a private account intermediary until June 30, 2026.

Below is an outline of how your company interacts with the NemKonto system.

The private payer makes an account lookup via the private account intermediary. This means a file is sent containing identifiers for the payment recipients (such as CPR, CVR, SE, or P numbers). This file is also called a bundle of payment messages.

The NemKonto system then attaches the relevant NemKonto (account details) to each CPR, CVR, SE, or P number. The file is returned to the private account intermediary, showing which NemKontos are linked to which identifiers—and which payment messages, if any, could not be linked to a NemKonto.

Private payers and private account intermediaries perform lookups on CPR, CVR, SE, or P numbers in the NemKonto system and receive account details in return. Payments are not processed through the NemKonto system—the company must handle the actual payment independently.

If your company is a financial digital infrastructure operator (formerly called a data center), you may connect to the NemKonto system on behalf of one or more private account intermediaries (e.g., banks).

To connect to the NemKonto system, you must enter into an agreement with the Agency for Digital Government. You can contact NemKonto Support via the contact form.

What to do if you are already connected to the NemKonto System

If your company is already using the NemKonto system, the Agency for Digital Government will contact you. You do not need to take any further action.

New Rules for Operators of Financial Digital Infrastructure

Today, several operators of financial digital infrastructure are referred to as private payment intermediaries (now redefined as private account intermediaries under the new law). Frequently, one or more banks are connected to the NemKonto system through such an operator. This setup—and its benefits—will continue.

However, the new NemKonto Act introduces a distinction: operators will no longer be private account intermediaries themselves. Instead, they will be recognized under the separate role of operator.

In practice, this change will have limited impact on operators. However, some tasks and responsibilities currently handled by operators in their capacity as payment intermediaries (now account intermediaries) will, in the future, be the responsibility of the private account intermediaries. For example, entering into agreements with private payers.