Frequently Asked Questions

NemKonto has successfully been implemented by public authorities, so it is only natural that the private sector should also be able to reap the efficiency benefits offered by this digital solution. With NemKonto, the Danish parliament wants to make use of modern technology to ease the administrative burden for private sector payers as well.

The law allows private companies to use the NemKonto system as private sector payers. For example, this could be a company that needs to pay salaries to its employees or an insurance company that needs to pay compensation to policyholders.

You can read more about the requirements that must be met to become a private sector payer here:

Technical Connection for Private Sector Payers

A private sector account broker is typically an entity that already handles payments - either on its own behalf or on behalf of other companies. In order to be connected to the NemKonto system as a private sector account broker, the company must be either a bank, a payment institution, an electronic money institution, or an insurance company.

You can read more about the type of authorization a company must have to act as a private sector account broker here:

Technical Connection for Private Sector Account Brokers

Companies are allowed to perform account lookups for payment recipients to whom they need to make disbursements, provided the NemKonto is the correct payment destination. Additionally, the company must have legal grounds to use the recipient’s CPR number for the account lookup. Such legal grounds could, for example, be the recipient’s consent.

Furthermore, before performing an account lookup for the first time, the company must inform the recipient that they can, at any time, notify the private payer that payments should not be deposited into their NemKonto.

This means that each individual recipient can, at any time, choose to opt out of receiving private payments into their NemKonto.

You can read more about the terms and conditions for using the NemKonto system here:

Private Companies’ Use of the NemKonto System

You can read more about the terms for using the NemKonto system here:

Private Companies’ Use of the NemKonto System

Each month, nearly 40.000 citizens change their NemKonto account number. Therefore, private sector payers need to use the NemKonto system every time they make a payment. This ensures that payments are made to the citizen’s/company’s right and chosen bank account. 

To get started on the connection process, the private sector account broker must fill out at request form and submit it to NemKonto Support. You can always contact NemKonto Support to learn more about the system or the connection.

Read more about the connection process

The reference is a unique number generated by the private sector payer and will thus be attached to the payment notification. The number is also part of the completed payment notification.

The reference number identifies the payment that the NemKonto request must use to complete. The reference number must be unique within a period of the current year and five years back.

Notice of changes to the current interface will be given 3 months in advance, and notice will be given to the companies with which the Danish Agency for Digital Government has a connection agreement. Moreover, the notice will also be published on this website for NemKonto.

Unfortunately, the Danish Agency for Digital Government cannot shorten field names as they must follow the current OIOXML standard.

The NemKonto system applies either the NemKonto account number or the type of error code that belongs to the submitted CPR/SE/P/CVR number on the forwarded payment notification.

The bundle size is limited to 10,000 payment notifications in order to ensure quick file processing. NemKonto for private sector payers has a total capacity of 80 bundles of 10,000 payment notifications per hour. This capacity is distributed among the private sector account brokers.

NemKonto for private sector payers is a system that runs 24/7 365 days a year.

The exception is the periods (in the following called service windows) during which it is necessary to carry out system updates, reorganise operations and network connections. Under normal circumstances, the service windows will be placed at night and not more than eight times per year. Service windows last a couple of hours.

Information about service windows is published on www.digitaliser.dk, where private sector account brokers can stay informed about the operation status of the NemKonto system.

Account lookups may be performed when the private sector payer is scheduled to make a payment to a recipient within four banking days.