Last modified: 06.08.2018

Upon arrival

Money, banking and digital mailboxes

In this section, you can find information about Danish money and banking structure.

The Danish currency is the krone (DKK) and not EURO (which is the currency in many other countries in the European Union). Well-known international credit cards are widely accepted in Denmark, but as they might be inconvenient for every-day shopping, you might consider opening a Danish bank account and get a Danish Dankort.

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    Bank account and designated bank account (NemKonto)


    In order to receive your salary from Aalborg University (AAU), you will need a bank account. In Denmark, everyone has the right to open a basic bank account; however, you need a CPR number to do so. 

    All citizens in Denmark are required to have a designated account called NemKonto. You will receive your payslip in your NemKonto. You can choose to have either a Danish bank account or your foreign bank account registered as a Nemkonto.

    What is a NemKonto?

    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.


    Follow these guidelines

    Go to the bank of your choice. When opening a bank account tell the bank advisor that you would like to receive information in English, otherwise you will automatically receive information in Danish.

    You should also mention that you are an AAU employee or affiliated with AAU to smooth the process of opening an account. 

    How to assign a NemKonto?

    All you need to do is to decide which of your existing accounts you wish to use as your NemKonto. If you have several bank accounts, you decide which one you wish to use.

    You can do this in one of the following ways:

    • Contact your bank and inform them which account to assign as your NemKonto.
    • Assign an account number yourself at NemKonto selvbetjening. You can only do this if you have a NemID or a digital signature.
    • Change your NemKonto in your home banking system – most Danish banks offer this service.
    • If you live abroad and wish to assign a foreign bank account as your NemKonto you can use the NemKonto registration form.

    What you need to bring:

    • Your CPR number
    • Passport/national ID card
    • Employment contract or invitation letter
    • Yellow health insurance card (needed for e-banking)
    • US citizens only: social security card (a requirement by FATCA)



    Not all banks offer online banking in English, so we would advise you to enquire whether the bank of your choice offers such service, as it will make daily life much easier. You need to hand in a copy of your yellow health insurance card (CPR) to use e-banking. This is a requirement in all Danish banks. 


    Dankort - the national debit card

    Dankort is the national debit card, and the card that the majority of Danes use to pay in most stores in Denmark. Visa and Master Card are widely used, but mostly in larger supermarkets and convenience stores. Visa and Master Card cannot be used in smaller stores and some supermarkets.

    Therefore, we recommend that you to ask for a Dankort, when you open a Danish bank account. You may not get the card immediately, because you need to show that you have money in the account and are a credit worthy customer.


    The Dankort can be combined with a Visa card, called a Visa/Dankort. Visa/Dankort is an international debit card that you can use in Denmark as well as in the rest of the world. It therefore gives you two cards in one. When you use the card for payments, the money will be withdrawn from your account in a few days.

    Contact your bank for further information about the Dankort.


    Banks in denmark

    Denmark offers several banking options, ranging from small local banks to regional and national banks. All banks offers personal consultancy and advice in the normal opening hours; generally from 9:30 am to 4 pm from Monday to Friday and until 6 pm on Thursdays.

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    Digital post

    E-BOKS - from both public authorities and private companies

    E-Boks is your online digital mailbox. In E-Boks you can file all your important mail in one secure place. You are advised to sign up for E-boks in order to securely store your mail from both private companies and public authorities. 

    Read more about E-Boks 



    E-Boks is your online digital mailbox. In E-Boks you can file all your important mail in one secure place. You are advised to sign up for E-boks in order to securely store your mail from both private companies and public authorities. 

    Read more about 


    Digital Post - from the public authorities

    You receive mail from the public authorities via Digital Post. This includes any letters from hospitals, pension statements, changes to housing benefits, replies to applications for childcare, letters from the Danish Tax and Customs Administration (SKAT), etc.

    You will be signed up for Digital Post when you register at the International Citizen Service.


    Read more about Digital Post

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    Mobile payments

    Mobilepay is a payment solution developed to carry out payments inside Denmark via your smartphone.

    Many Danish citizens use Mobilepay as it is a smart alternative to cash and it can be used in many supermarkets, kiosks or web shops all over Denmark.

    Mobilepay can be downloaded to your iPhone or Android phone free of charge. Mobilepay is available for everyone above the age of 15; all you need to get started is a smartphone, a Danish mobile number, a Danish payment card and a Danish bank account.

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    NemID is a common online login solution for all public authorities in Denmark. 

    NemID is set up with your CPR number and is a card with a list of unique set of passwords. You can use NemID to access online self-service for public authorities such as the tax authorities, health care services, your payslip, banking as well as a number of private websites.

    • NemID consists of User ID, a Password and a code card with codes (one-time codes). When you log on, you enter first your User ID and your Password, and then a code from your code card.

    The code card is a small laminated card, the size of a credit card, carrying printed codes (one-time codes). NemID code app is a supplement to the existing code card. 

    Learn more about NemId.