| Feature | What to know |
|---|---|
| Currency | Danish krone (DKK) |
| Company registration | CVR number for Danish-registered companies |
| Providers compared | 5 |
| Traditional banks | Danske Bank, Nordea, Jyske Bank |
| Digital licensed bank | Lunar |
| Financial platform | OneMoneyWay |
| Company verification | Identity, ownership, business activity and source-of-funds checks |
| Local payment details | Available from several providers; confirm individual account features |
| Deposit protection | Depends on whether the provider is a licensed bank or offers services through an e-money institution |
Key takeaways
- Danske Bank advertises its Business One package at DKK 139 per month, with a standard DKK 1,500 setup fee.
- Nordea advertises a business package at DKK 245 per month with no setup fee.
- Lunar offers digital business banking, with its Simple plan priced at approximately DKK 241 per month when paid annually.
- Jyske Bank offers a basic business account with a published monthly charge and setup fee.
- OneMoneyWay provides access to local Danish business payment accounts and international payments through regulated partners. It can be particularly relevant to eligible companies with cross-border requirements.
- The right account depends on more than the monthly price. Banking protection, international payment needs, onboarding eligibility and additional fees can make a significant difference.
The short answer: Which business account should you choose in Denmark?
For a Danish company that needs a traditional banking relationship, Danske Bank and Nordea are worth comparing first.
For a smaller business that prefers an app-based banking experience, Lunar may be a practical option.
For an eligible company that needs Danish payment details alongside international payments and currency services, OneMoneyWay deserves consideration.
Jyske Bank is another option for companies seeking conventional business banking, particularly where a wider banking relationship is important.
There is no universally best business account. A low advertised subscription fee does not necessarily mean the lowest total cost.
Compare business account fees in Denmark (2026)
The following figures are based on publicly advertised standard products. They are not personalised offers.
| Provider | Product | Published monthly price | Published setup fee |
|---|---|---|---|
| Danske Bank | Business One | DKK 139 | DKK 1,500 |
| Nordea | Business package | DKK 245 | DKK 0 |
| Lunar | Simple | Approx. DKK 241, paid annually | DKK 1,495 |
| Jyske Bank | Basic Business Account | DKK 230 | DKK 4,800 |
| OneMoneyWay | Micro | DKK 249, paid annually | Confirm individual quote |
Important pricing note
OneMoneyWay also publishes an additional DKK 99 per month for local business accounts in Denmark, Sweden and Norway. Its final pricing can vary by business profile and service requirements. Confirm how this charge applies, together with any onboarding and transaction fees, before applying.
These products are not identical. Some include bank deposit protection and banking facilities, while others focus primarily on payments and financial management.
Why total annual cost matters
Imagine two companies:
- Company A has a Danish ApS, makes mostly local payments and needs one everyday business account.
- Company B operates internationally, receives payments in several currencies and wants access to Danish local payment details without relying exclusively on a conventional branch banking relationship.
- The lowest-cost solution for Company A may be different from the most suitable solution for Company B.
Before selecting any provider, calculate:
- One-time account opening or onboarding fees.
- Subscription costs over 12 months.
- Domestic payment charges.
- International transfer fees.
- Foreign exchange conversion costs.
- Card, additional user and accounting integration charges.
- Charges for services not included in the standard package.
Provider comparison: Five business account options
1. Danske Bank — For traditional business banking
Danske Bank is one of Denmark’s established banking groups. Its Business One package is designed for companies with straightforward financial requirements.
Published Business One pricing:
- DKK 139 per month.
- Standard setup fee of DKK 1,500.
- One business account.
- Business debit card and online banking.
Advantages: Conventional banking relationship, local payment facilities and access to additional banking services.
Considerations: Account approval remains subject to customer checks. Additional services and more complex business requirements may increase the cost.
Suitable for: Danish-registered companies seeking a conventional bank for everyday operations.
2. Nordea — For straightforward Danish business banking
Nordea advertises a business package that includes accounts, digital banking and a business card.
Published pricing:
Is my money protected?
- DKK 245 per month.
- No standard setup fee.
- A lower monthly price may be available to certain qualifying personal banking customers.
Advantages: Established banking infrastructure, business banking tools and access to other financial services.
Considerations: The package fee is not the only possible cost; payment services and other requirements must be checked separately.
Suitable for: Danish businesses seeking a familiar banking provider with digital and advisory services.
3. Lunar Business — For digital-first companies
Lunar is a licensed Danish bank offering an app-based business banking experience.
Its Simple plan is advertised at approximately DKK 241 per month when billed annually, with a DKK 1,495 setup fee.
Other Lunar plans offer more accounts, cards and accounting-related features.
Advantages: Digital onboarding, business spending tools, accounting integrations on selected plans and Danish banking functionality.
Considerations: Plan features, transaction allowances and billing periods vary. The cheapest plan is not necessarily the most economical for higher transaction volumes.
Suitable for: Freelancers, smaller companies and founders who prefer mobile-first banking.
Read our full reviews
4. Jyske Bank — For companies seeking a conventional banking relationship
Jyske Bank offers a Basic Business Account, intended for businesses and associations with straightforward needs.
Published basic account pricing:
- DKK 230 per month.
- DKK 4,800 setup fee, subject to individual pricing in more complex cases.
Advantages: Local banking infrastructure and access to standard account and payment services.
Considerations: The setup fee can significantly affect the first-year cost, particularly for a business with relatively few transactions.
Suitable for: Businesses that value a conventional bank relationship and are comfortable with its onboarding and pricing structure.
4. Jyske Bank — For companies seeking a conventional banking relationship
OneMoneyWay is a financial platform, not a licensed bank. It provides access to business account and payment services through regulated financial partners.
Its Danish offering advertises:
- A DKK-denominated account with local account and registration details.
- Digital account application.
- International payments.
- Currency conversion and multi-currency services.
- Business cards and invoicing-related tools on relevant plans.
- Access for eligible UK- and EEA-incorporated businesses, subject to approval.
This can make OneMoneyWay particularly relevant for founders and companies with cross-border operations.
The Micro plan is advertised at DKK 249 per month, billed annually, with additional local-account charges and potentially other fees depending on the business profile.
Advantages: International payment focus, online application, local Danish payment details and access to multiple currency services through partners.
Considerations: OneMoneyWay is not a bank, so the protection of funds differs from conventional bank deposit protection. Account approval, exact fees and available services depend on the relevant regulated partner and customer profile.
Suitable for: Eligible internationally active SMEs, cross-border businesses and companies evaluating an alternative to a traditional bank for payment operations.
Explore OneMoneyWay’s business account options:
View OneMoneyWay and apply
Affiliate link. GlobalBusinessAccounts may receive a commission if you become a customer. Approval and charges are determined by the provider and its regulated partners.
Traditional bank vs financial platform: What’s the difference?
Choosing an account also means understanding who actually provides the regulated financial service.
A licensed bank can take deposits and may offer credit, savings and other banking products. Eligible deposits are generally protected under the applicable deposit guarantee scheme, subject to its limits and conditions.
A financial platform such as OneMoneyWay provides access to services delivered by regulated partners, including e-money services. Funds held as e-money are generally protected through safeguarding arrangements rather than a conventional bank deposit guarantee.
That distinction matters if your company holds substantial operating cash.
For some businesses, a combination of a conventional bank account and a specialist payment platform may be appropriate.
Can a foreign-owned company open a Danish business account?
Foreign ownership does not automatically prevent a company from applying for an account. However, banks and other providers must understand the ownership structure, business activity and expected transactions.
For Danish-registered companies, a CVR number will generally be central to the application.
OneMoneyWay states that it supports eligible companies incorporated in the EEA or UK, depending on the business activity, structure and risk profile. This means that a non-Danish company may also be able to apply for certain Danish local payment services.
Companies should not assume that a Danish payment account automatically provides every service available from a Danish bank.
Documents commonly required
Prepare the following before applying:
- Company registration details and CVR number, where applicable.
- Incorporation documents and ownership information.
- Identification for directors and beneficial owners.
- Details of products or services sold.
- Expected monthly transaction amounts.
- Countries where customers and suppliers are located.
- Evidence of business activity and source of funds, if requested.
A complete and consistent application can help reduce unnecessary follow-up questions, but does not guarantee approval.
What about NemKonto?
A NemKonto is the account designated to receive payments from Danish public authorities, including eligible tax refunds.
If you need your account for NemKonto purposes, verify compatibility before opening it.
A business may apply to designate an account with a foreign financial institution as its NemKonto through the official procedure, but this should not be confused with automatic registration or guaranteed acceptance.
Check the official guidance at NemKonto.dk.
How to choose your business account
Start with the functions your company actually needs.
If you require loans, cash deposits, conventional deposit protection or a broader financing relationship, a licensed bank may be more suitable.
If you primarily need efficient local and international payments, access to different currencies and online account management, compare digital banking and specialist payment providers as well.
Then request a complete fee schedule, verify account eligibility and confirm the protection applicable to your funds.
Frequently asked questions
What is the cheapest business account in Denmark?
There is no single cheapest account for every business. Danske Bank advertises a lower monthly subscription on Business One than several options in this comparison, but setup fees, transaction costs and your eligibility affect the total cost.
Can I open a Danish business account online?
Yes. Several providers offer online applications, including Nordea, Danske Bank, Lunar and OneMoneyWay. Digital application does not remove identity verification and compliance requirements.
Can a non-resident open a Danish business account?
Potentially. The result depends on where the company is incorporated, its business activities, owners and the provider’s onboarding policies.
Is OneMoneyWay a Danish bank?
No. OneMoneyWay is a financial platform providing access to regulated financial services through partners. It should not be described as a Danish licensed bank.
Does OneMoneyWay provide Danish account details?
OneMoneyWay advertises DKK accounts with Danish local account and registration details. Availability remains subject to its partners’ approval and product terms.
Is money protected in the same way at every provider?
No. Eligible deposits at licensed banks and funds held through e-money institutions are subject to different protection arrangements.
How long does account opening take?
The timeframe varies with the provider and complexity of the application. OneMoneyWay advertises relatively fast onboarding after complete documentation and compliance approval, but this is not a guaranteed opening time.
Do I need a Danish CVR number?
A Danish-registered company will need its business registration details. Some international payment providers may also consider eligible companies incorporated outside Denmark.
Can I use an international account as my NemKonto?
It may be possible through the official application process for a foreign account. Confirm the individual account’s suitability and follow NemKonto’s requirements.
Final thoughts: Find the right account for your company
Denmark offers established banks, licensed digital banking and specialist payment platforms.
The right choice depends on what your business needs to do with its money, which currencies it handles, its ownership structure and the total cost of operating the account.
If your company needs local Danish payment details alongside international payment capabilities, OneMoneyWay is one option worth evaluating.
Explore OneMoneyWay’s business account solutions
Prefer to compare more options? Explore the GlobalBusinessAccounts comparison platform.
Sources and methodology
We reviewed publicly available information from:
About the editorial team
GlobalBusinessAccounts is an independent comparison website operated by Velivion Ltd. We publish informational guides and provider comparisons. We are not a bank or licensed financial adviser, and all applications are subject to the relevant provider’s approval.
Providers were selected to illustrate different business-account models. The comparison is not an exhaustive market survey or a ranking by quality. Price and product information was reviewed on 25 October 2026 and may change.