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Danish Bank Accounts for International Students

Having a Danish bank account is necessary to receive your salary, pay your rent, or be able to use Mobilepay! Finding the right one is always a bit of a struggle. To make it easier for you, we have asked our student ambassadors to share their experiences with you.

Before we introduce the different banks there are a few things to remember:

  1. You need a Danish CPR number to get a bank account.
  2. To get housing benefits (boligstøtte) make sure you have a ‘Nemkonto’. Read more here: https://www.nemkonto.dk/da/Servicemenu/Engelsk
  3. If you're a part of a labour union/a-kasse in Denmark (CA, IDA, Djøf etc.), remember to check with them whether your union is collaborating with any banks and whether as a member you can get a special offer. This can also be the case when looking at insurance.

Danske Bank

With over 5 million customers, Danske Bank is the largest bank in Denmark. Their headquarters are based in Copenhagen, however they have 4 branches in Aarhus and many ATMs all over Denmark. Read about Aleksandra's experience with Danske Bank:  

I personally use (and would recommend) Danske Bank. It took me 3 weeks after the application online to have my bank account ready. The process for applying for it is super simple, and one can get everything done without knowing Danish. In case of any doubts, all the employees are willing to help, and all of them speak English very well. What is more, student accounts at Danske Bank are free of charge. To sum up, Danske Bank is definitely worth giving a shot!


Cost for students: 0 Kr/month

Find out more about Danske Bank: https://danskebank.dk/en/personal

Djurslands Bank

Djurslands Bank is a small bank that operates within three areas: in Djursland, around Aarhus area, and around Grenaa, where you can also find their headquarters. Read about Csongor's experience with Djurslands Bank:

When you find a job in Denmark, your employer only accepts Danish bank account, therefore I was in urgent need to set up one for myself. To begin with, my friends recommended me Danske Bank, but after 4 weeks of waiting for my data processing I went to Djurslands bank. It is a very small bank, but as my friend did before, I could set up my account there in one week. They pick up the phone in a few minutes, I am happy with them, I only got into trouble sometimes paying with my card abroad. If I would like to arrange it again, I would opt for IDA’s account, and set-up a Dankort type bank card. There is a very few places in Denmark where you can only pay by this type of card.


Cost for students: 8 Kr/month

Read more about Djurslands Bank: https://www.djurslandsbank.dk/ 

Lån og Spar Bank for IDA members

IDA is Denmark's largest interest group and trade union for students within IT, natural sciences and engineering. If you're a student within these areas you can apply for a bank account at IDA free of charge. Read more about Amalia's experience with Lån og Spar:

I am member of a union (IDA) and they had a partnership with Lån og Spar Bank. It took me around a week to set up my account. It’s a small bank and the customer care service works very well. They also have a lot of partnerships that make you get discounts, for example for AROS, cinema, boozt.com


Cost for students: 0 Kr/month (Lån og Spar offers an interest rate up to 4 %)

IDA membership: first year is for free then 20 Kr/month

Read more about Lån og Spar: https://www.lsb.dk/privat

Read more about IDA: https://studerende.ida.dk/english/

Lån og Spar for Djøf members

You can join Djøf as a student in social sciences, business, and law. Read more about Lili's experience with Lån og Spar:

I use Lån and Spar bank through Djøf. It was super easy and fast to open a bank account with them. I heard from them at the Student Life fair. So far I have been satisfied.


Cost for students: 0 Kr/month (Lån og Spar offers an interest rate up to 4 %)

Djøf membership: first year is for free then 49 Kr/month

Read more about Lån og Spar: https://www.lsb.dk/privat

Read more about Djøf: https://www.djoef.dk/english.aspx


Lunar is a 100% digital bank with users in Denmark, Sweden and Norway. Read more about Thalia's experience with Lunar:

Me and my international friends have Lunar! It is super easy to apply for it and usually you receive a confirmation very quickly (less than 1 week).


Cost for students: 0 Kr/month (Lunar offers an interest rate up to 1%)

Read more about Lunar: https://www.lunar.app/en/personal

Other options


Cost for students: 90 Kr/quarter

Read more about Nordea: https://www.nordea.dk/

Jyske bank

Cost for students: 60 Kr/month 

Read more about Jyske bank: https://www.jyskebank.dk/

Spar Nord

Cost for students: 0 Kr/month 

Read more about Spar Nord: https://www.sparnord.dk/


Cost for students: 0 Kr/month 

Read more about Syd Bank: https://www.sydbank.dk/