How to move to

Denmark

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Find A Job


Denmark is one of the safest and most comfortable places in the world to live and work. It regularly appears in the top five of the Global Happiness index, and has excellent public services. The good news for expats is that it is one of the few countries in the EU that is still looking to employ foreign workers, and the system is set up to help you. Residents of Nordic, EU and EEA countries do not need to apply for a work permit. For citizens of all other countries, a work permit is required, even for voluntary work.

You must apply for your work permit before you arrive in Denmark: there are various routes for acquiring the permit, according to the nature of the employment and your professional skills. In all cases, the application must be submitted to the Danish Embassy or Consulate in your home country, preferably in person.

If you cannot make the initial submission in person, you must attend the Embassy in person within 14 days of the submission to have your biometric data recorded. Applications typically take 1 to 3 months to be processed and there is a fee of 2900DK. Full details can be found on the official Danish government website New to Denmark.

There are several different categories of work permit:

Fast Track: for expats who have been offered a job by a company certified by the Danish Agency for International Recruitment and Integration (SIRI).

Pay Limit Scheme: for expats who have been offered a job with a high salary (at least 436000 DK).

Positive List: Denmark has a skills shortage in some professions. The Positive List, which is updated twice a year, specifies these. This visa is for expats who have been offered a job in one of these areas, and who have the necessary qualifications. Appropriately qualified asylum seekers are also eligible to use this scheme.

Researcher: for expats (excluding guest researchers and PhD students) who have been offered a research post at a public or private research institution.

Special Individual Qualifications: for expats who have been offered a job only they can do. Typically, this permit is for athletes, artists, performers and chefs.

Herdsmen and Farm Managers: this permit only covers these two areas, and does not include other kinds of agricultural work, or forestry.

If you have a valid work permit, your spouse, civil partner or cohabiting partner, and dependant children under 18 may accompany you. If your spouse or partner wishes to work, they must apply for their own work permit.

Upon arrival in Denmark, you must register your address in the country with the Civil Registration System (CPR), to obtain a Civil Registration Number and a health insurance card. You will need to produce your passport, work and residence permit, proof of address, original marriage certificate and its copy (if relevant), original birth certificates and their copies for any children under 18 who are accompanying you, and divorce or death certificates (if relevant). These must be in a Scandinavian language, English, or German.

It is not always essential to speak Danish, as many major companies work in English, but it is an advantage, and learning the language once you arrive is recommended. Medical professionals must be proficient in Danish.


Job Vacancies

At the time of writing, there are skills shortages in Environmental, Mechanical, Building, IT-related, Energy and Electrical Engineering; Medicine (including doctors, nurses, dentists, radiographers and lab technicians); IT and Networking; Education; Land Surveying; and Business Analysis. In all cases you must have the relevant professional qualifications plus a relevant B.A. or (for some positions) an M.A. or equivalent.

In addition, for medicine and education you must be fluent in Danish. Medical professionals must pass specific tests in order to obtain authorisation to practice. For jobs in law, primary and secondary school teaching and pharmacy, local qualifications are usually required.

Jobs in Denmark are advertised in print newspapers, on a variety of websites, both local and international, and via Job Fairs. LinkedIn is not widely used.

Applications should be targeted towards the company or organisation: it is important not only to research your potential employer thoroughly, but to focus your CV in such a way as to demonstrate how you in particular will be able to benefit your potential employer and meet the challenges the job presents.

Denmark enjoys a high standard of living, but the cost of living is correspondingly higher than in the UK and the US. Average salaries run at around £580/ $750 per month gross, but professional salaries in the private sector are higher.

The working week is 37 hours, and once you have completed a year in employment, everyone is entitled to 5 weeks of paid holiday. (Leave is accrued at two days a month in the first year.) Leave entitlement is transferrable between jobs.


Apply For A Visa/Permit


Denmark has visa policies that tend to be foreigner friendly. This means that expats from various countries will find that they don’t need to apply for a visa in order to enter this country. For nationals of some other countries, an entry visa along with residence permit and work permit are needed to live and work in Denmark on a permanent basis.

The Kingdom of Denmark is part of the Schengen Area, so there is a list of countries whose residents may enter the country only if they already have a valid visa to enter Schengen countries. Citizens of the European Union, the United States of America, Australia and New Zealand can enter Denmark freely without a visa. Those who are coming to this country as employees, interns, students, on a working holiday or as an au pair must know that a visa alone is not enough. They usually need to get residence and work permits.

Residence and work permits

Many people are free to live and work in Denmark without needing to apply for work and residence permits, including citizens of European Union and European Economic Area states, Nordic citizens and citizens of Switzerland. However, all those who plan to stay in Denmark for more than three months need to register with the authorities and acquire an identification number, the CPR number. If you don’t have a CPR number it is impossible to open a bank account, register with a doctor or get help from public authorities. It is even hard to buy a mobile phone.

Expats who don’t come from one of the mentioned countries must apply for a residence and work permit. It is important to know that granting residence and work permits is not automatic and it largely depends on specific labour market conditions. To apply for these permits, expats need to have a specific written job offer which defines employment conditions and salary. Even with these documents, some may not acquire the residence and work permit if their prospective role can be filled by available workers in Denmark. In addition to general residence and work permits, there are numerous special schemes that can help expats in particular sectors to live and work in Denmark, such as those with specialist skills, Master’s degrees or PhDs from Danish universities.

Visa requirements

Foreign nationals who need a visa to enter Denmark and who plan to stay in Denmark for more than 3 months have to apply for a residence permit before arriving in Denmark. It is crucial to know that if expats apply for a visa and residence permit at the same time, their visa will be turned down. Those who have been granted certain types of residence or re-entry permits in a different Schengen country do not need a visa to enter Denmark. These types of residence permits are not valid if entering the Faroe Islands or Greenland.

Passports

To enter Denmark, everyone needs to have a passport which is valid for three months beyond the length of stay and issued within the past 10 years, except EU nationals who are holders of passports or national ID cards which are valid for the duration of the stay.

EU nationals who travel from one border-free Schengen country to another are not required to show a passport or national ID card. It is still good to travel with a passport or ID card to make sure you can prove your identity if needed. Bulgaria, Croatia, Ireland, Romania, Cyprus and the United Kingdom are not part of the Schengen area, so a passport or ID card is required when travelling from or to these countries. Citizens of the European Union are not required to have a return ticket or show sufficient funds.

Visas

Nationals referred to above are not required to have a visa to stay in the country for up to three months. EU nationals who wish to stay longer than three months have to apply to the Regional State Administration for a registration certificate. Other nationals are required to contact the embassy to find out about visa requirements for Denmark.

Cost

Short-stay Schengen visas cost €60 (£48). The normal Schengen visa is not valid when travelling to the Faroe Islands or Greenland. To visit these parts of Denmark, those who need a visa have to apply for a Schengen visa from a Danish mission with the wording "Valid for the Faroe Islands" or "Valid for Greenland" on the visa.

Validity

Those who travel on a Schengen visa have to travel within three months from the date of issue of the visa. It is valid for 90 days within a six-month period.

Application

Visa applications have to be made at a consulate or consular section at an embassy. UK residents who need a visa should apply to VFS Global; this carries an additional £24.05 charge. All visa applicants must submit biometric data at their visa appointment.

Schengen visa applicants are required to prove they have sufficient funds to support their stay.

Working period

Applications for Schengen visas are generally completed within 15 days, but some may take up to 60 days if additional processing is required.

Extension of stay

Schengen visa holders can extend their visas only in exceptional circumstances, such as force majeure or for humanitarian reasons.

Entry with pets

Those who bring a pet from another EU country must prove that the animal has a microchip or tattoo, an EU pet passport and a valid rabies vaccination certificate. Animals from outside the EU zone are required to have a microchip or tattoo and rabies vaccination certificate, along with a veterinary certificate issued by an authorized veterinarian.

Embassies and tourist offices

Embassy of Denmark in the United Kingdom
Telephone: (020) 7333 0200.
Website
Opening times: Mon-Thurs 0900-1630, Fri 0900-1600.

Embassy of Denmark in the United States of America
Telephone: (202) 234 4300.
Website

British Embassy in Denmark
Telephone: (45) 3544 5200.
Website
Opening times: Mon-Fri 0900-1700.


Get Health Insurance


Many expats take out private medical insurance, even if this is not a requirement of residence, because healthcare is expensive in their destination country or because certain treatments and procedures are not available.

When taking out health insurance, be sure to check factors such as the annual and lifetime policy limits, whether there are any exclusions which are likely to affect you, whether you are limited to treatment from specific types of healthcare providers, and whether the policy covers emergency evacuation for medical treatment.

Too frequently, potential buyers of health insurance look only for the lowest cost of premiums before really considering the specific benefits and areas of cover they may actually need. Some plans are cheaper for a reason. Often they include large voluntary deductibles on any claim you might make in the future and may severely cap the benefits received under the plan. Clients should define their needs first, establish the particular area of cover they need, then determine their annual healthcare insurance budget. Only then should they look to premium comparisons, last of all.

Do not buy a plan without studying the policy wording carefully. If in doubt, ask, and only when completely satisfied complete all application forms fully, to the best of your ability.

Important questions to ask the insurance provider:

1. Does the plan allow for cooling off periods, cancellation and then repayment of premium in full?

2. Does the plan offer "Moratorium" or is it "Full underwriting" and do you need to have a medical examination before joining?

3. Does the insurer offer a 24 hour help line, 7 days a week, available from anywhere in the world (freephone)? Most insurers now offer this facility.

4. Are pre-existing conditions excluded when joining and if so, for how long are such conditions excluded?

5. Are all and any nationalities accepted or are there restrictions which apply to local nationals? Some insurers will only take expatriates abroad and not local nationals into an overseas plan.

6. Does the plan allow you to continue cover unbroken through your lifetime? In most cases insurers will continue to offer existing clients cover year on year, irrespective of age or claims history, although premium rates charged can increase dramatically with age.

7. Does the insurer allow for any doctor or consultant or hospital within the plan? Are there any restrictions in this respect? Most international plans do not place restrictions on either hospitals or doctors, but almost all demand that their help lines are called first, prior to approval of any inpatient care.

8. Does the insurer provide for the direct settlement of bills presented by hospitals worldwide, regardless of location (or do you have to pay first)?

9. What are the insurers procedures for outpatient claims? Do these require any pre-authorization or if stated in the plan can you just pay and claim? How long before you get money back from the insurer? 14 days? 28 days?.

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Rent Or Buy Property



Renting Property

The best and easiest way to lease a property in the Kingdom of Denmark is to go through "Housing Denmark". It is also important to know that Housing Denmark has all the terms and conditions that are recognized by Danish law.

Civil registration system

All people moving to Denmark are required to register with the Civil Registration System if they are to stay more than 3 months, which applies differently for EU, Nordic and Swiss citizens. Upon registering with the Civil Registration System you will be issued a CPR number which gives access to a range of services in Denmark. You must register within 5 days of your arrival. Some diplomats or expats may not need to register.

Contact the International Citizen Service if you need assistance with the following:

- Issuing a CPR number
- Registering your postal address in the National Register
- Assigning a doctor
- General information on how to fill in the tax form
- General guidance on the Certificate of Registration for EU citizens

It’s important to register with your municipality as soon as possible in order to have access to medical services, language courses and other services.

All people moving to Denmark must register with the National Register in their municipality within 5 days after they move in. Every person in the household must be registered. Some immigrants or expats may not need to register.

Leasing a property

Most expats are not allowed to buy property in Denmark. In order to lease a property, you need a CPR number and to register with the National Register prior to, or just after, moving in. There may be exceptions to this rule.

Residence requirements

There is a residence requirement for all properties (except vacation houses) in which there have been one or more persons previously registered as residents. This system is to ensure that there will always be someone registered at the address.

To register at a property in Denmark, you must be a resident of Denmark by having a CPR number and being registered at the National Register. In Denmark, you can only be registered as a resident with one property at a time. There are very few properties that don’t need a resident requirement. They are typically newly built properties, with no previous residents registered, or properties in the few Danish municipalities that don’t have residence requirements.

Once a tenant has registered at such a property, all tenants thereafter need to register as well. Therefore, these types of properties are only leased out to people who are exempt from the mandatory property registration requirement. Two common examples of those who are exempt are diplomats and those who are already registered for a different property. Properties in municipalities which do not have residence requirements do allow individuals to move in and register if necessary.

Housing Denmark

Many properties are managed by Housing Denmark. This means that all contact between the tenant and the landlord goes through Housing Denmark Services. This allows both the tenant and landlord to call in with various requests in case of emergency. Some tenant requests may have to be approved by the landlord, which will take a little longer to process. The deposit is held by Housing Denmark throughout the tenancy and the rent is likewise administered through the Accounts Department.

Managed leases come with extra services such as a free move-in and move-out report to ensure the rights and duties of both the tenant and the landlord. Also, in managed leases, minor repairs that fall under the landlord’s responsibility will be initiated automatically. However, more extensive repairs will require the landlord’s approval. It is believed that this service protects and ensures the rights of both the tenant and the landlord.

Tenancy agreement

In accordance with the Danish Rent Act, it’s your right to have a tenancy agreement stating the conditions agreed by you and your landlord. Among other things, the tenancy agreement must state how much notice you have to give when terminating the lease. Furthermore, it must state in what condition the apartment must be when handed back to the landlord. When renting a property through Housing Denmark, an accurate tenancy agreement is provided to ensure the rights of all parties. Housing Denmark provides an English agreement upon request.

Deposit and lease premium

You should expect to pay a deposit or lease premium before the first month’s rent. The size of the deposit or premium is decided by the landlord. Normally, the deposit will be equivalent to 3 months’ rent and you will have to pay the first month’s rent up front. The landlord can use the deposit or premium to cover the cost of damages to the apartment upon termination of the lease. However, if you leave the apartment in the same condition as you found it, the landlord must refund the full deposit when you vacate the apartment.

If the property is managed by Housing Denmark, they hold the deposit for the entire lease period. In other cases the landlord will hold the deposit. Depending on the condition upon move out, the landlord must return the deposit within 6 weeks after the tenants leave, though if ot needs to be refurbished, under the responsibilities of the tenant, the landlord may use the deposit to cover his costs and may therefore hold the deposit for a longer time.

The rent that is stated on the website of Housing Denmark is the actual rent. Consumption costs for water, heat, electricity and sometimes TV and internet are in addition to the monthly rent. Their housing agents can give the approximate monthly consumption costs per specific property.

The tenancy agreement will state the maximum number of tenants that can occupy an apartment. If there is more than one tenant per room, the landlord can turn down the offer. Furthermore, more than 2 people per room are not allowed due to the restrictions of Danish law.


Buying Property

All non-EU/EEA nationals have to obtain permission from the Ministry of Justice in order to purchase property in Denmark, and must confirm that the property would be used as their personal residence throughout the year. EU/EEA citizens do not have to obtain permission to buy property, but they must confirm in a statement attached to the deed that it would be used for year-round residency. The majority of people in Denmark find their property with the help of an estate agent, and use a solicitor to conduct the legal work that is involved. The house purchase process can generally several months.

It is also possible to borrow finances to purchase property in Denmark from various banks or mortgage credit institutions, normally up to 80% of the property value. It is recommended to obtain a buyer’s certificate from the lender which confirms the finance arrangement, so that buyers can make a quick offer if they find a suitable property.

Many sellers have a property report that is compiled by a building expert and can make this document available to all prospective buyers. The report gives details of the physical condition of the property and any possible defects. If no property report is provided, the seller can be responsible for a period of 20 years for any serious defects that could emerge. If the buyer requests a transfer deed, the cost of which is shared between them and the seller of the property, this property report must be produced. A transfer deed provides insurance for the buyer against any faults or defects that may occur, and insurance for the seller against any claims from the buyer.

When the offer is accepted and the purchase agreement has been signed by both buyer and seller, the buyer should give a deposit of 5% of the purchase price with the estate agent. There is also a cool-off period of 6 days after signing the purchase agreement during which the buyer can annul that agreement, and may be required to pay the seller 1% of the purchase price.

The balance of the purchase price is payable on the agreed closing date for the sale of the property. Various documents can be involved in the purchase of a property in Denmark, which are transferred to buyers via their solicitor.

These documents include:

- the land certificate, which sets out the rights and obligations relating to the property, a cadastral map of the property
- the operating permit which confirms that the property meets building regulations
- the BBR-owner information which is issued by the local council and provides details of the property such as its size, history, dimensions, location and technical conditions
- the property tax note, issued annually and setting out the expected level of the following year’s taxes and related property expenses
- energy rating and energy plan, showing the current heating, electricity and water consumption and giving guidance on how to reduce these.

If the purchase is financed with a mortgage, the buyer is required to take out buildings and fire insurance on the property.

Despite Denmark being known for the liberalism, acquiring the property in this country can be quite difficult. Non-residents may not buy real property in Denmark unless they fulfill the following:

- Have previously resided in Denmark for at least five years.
- Are an EU national working in Denmark.
- If a non-EU national, have a valid residence or business permit.

There are also some special restrictions on foreign ownership in some areas of the country, especially when buying summer holiday houses. This is particularly the case in coastal areas. These are popularly known as the "anti-German rules", because they are made to prevent coastal areas from being overrun by German second home owners. However, the purchase of "all-year-round" properties, which are not located in popular areas along the coastline, is actually possible as long as buyers satisfy the aforementioned requirements.

Corporate Route

Since it is very tricky to buy Danish property as a non-resident and foreign individual, expats could consider forming their own local limited companies to do the buying. An ApS (Anpartsselskab), the Danish version of a private limited company, is highly recommended. Resident legal entities are allowed to buy property in this country.

Once the right property is found, it is recommended to get someone to check for damp or building construction errors. The seller will offer a property report which describes the physical condition of the property, including noticeable defects or some conditions that may cause new defects. Though a property report is not a requirement, it is necessary when wanting a transfer deed. When buying a property, except co-operatives and weekend cottages, the seller is required to inform the buyer about the energy expenses and give suggestions on how to lower the energy consumption on the property.

Once the contract is made, a deed of conveyance is subsequently drawn up, usually by the buyer’s attorney. The deed of conveyance assures the buyer of clear title to the subject property once the deed has been recorded at the local land registry office. After that, the real estate agent corresponds with a solicitor/lawyer in negotiating the purchase price, before the buyer and seller sign the final document contracts. The solicitor/lawyer has to notarize them on the behalf of buyer and issue the official owner document. For a period of six days after signing the purchase agreement, the deal can be nullified by giving written notice, but the buyer is required to pay compensation, which is 1% of the nominal purchase price.

When the purchase agreement is finally signed, the buyer deposits the first part of the down payment, which is 5% of the cash price, with the real estate agent. The rest of the down payment is deposited usually in the seller’s bank, or into some commercial escrow bank account once the transfer deed has been signed. The funds can be released only when the buyer has received the unconditional title to the property. Escrow typically lasts 60 to 120 days.


Move Your Belongings


Consider if you want (or are able) to transport your belongings yourself or whether you will need the services of a removals company that deals with international moves. Unless you are travelling very light, or making a fairly short move by road, you will probably need professional help to ship your possessions. Ask for quotes from several companies first, ensuring that they visit your home to carry out a survey of your requirements. It may be worth paying extra for the removals firm to pack your possessions for you, particularly if they are going to be transported to a distant country and need special protection for the long journey. Make sure you bring to their attention anything fragile or precious that needs particularly careful wrapping and packing.

Before agreeing to a quotation, ensure that you are fully aware of exactly what is covered in the price, and that the service to be provided meets all of your requirements. For example, does the service include both packing and unpacking of your household effects? What about disassembling and reassembling of furniture? If you are planning to put anything into storage in your destination country while you find accommodation, does the price include final delivery and unpacking at your home, or will you need to arrange collection of the items? Obtain a firm estimate of the likely arrival date of your items and obtain contact details for any agents that will be dealing with the removal in your destination country. Ensure that the removals company is aware in advance of any practical considerations such as the lack of an elevator to your apartment, or likely parking problems.

If using a removals company, you may be required to take out their insurance cover for your possessions. Whether or not this is the case, ensure that you have adequate insurance for anything of actual or sentimental value that could get lost or damaged during the move. Take the time to accurately complete or check an inventory of your possessions to be moved, as this will form the basis for any insurance claim for losses or damages. Find out if insurance is included in the price quoted by the removals company, or whether you are required to pay extra for this.

The removals company should arrange any customs and importation documents on your behalf, but if you are arranging the move independently you will need to find out what documents are required and what import duties and taxes are payable (and whether you are eligible for exemption from these).

Make sure that you set aside the important documents you will need for the journey, such as passports and air tickets, and keep these easily accessible in your hand luggage.

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Register For Healthcare


QUICK LINK: Denmark health insurance

You can register with your GP or with the civil registration office (Folkeregistret). Within a couple of weeks, you will be sent a health insurance card – your ‘yellow card’ (Sundhedskort). If you are in the Greater Copenhagen area, you will need to apply online.

Your yellow card will show your CPR number, and you will need to take it with you if you visit a doctor or a hospital. You will also use this card to take books out of the library, pay your taxes, and open a bank account: it is a general multi-purpose card. You are entitled to a yellow card if:

• you are staying in Denmark for longer than three months
• you have an EU residence document, if you are an EU citizen (Nordic citizens excepted)
• you hold a residence permit, if you are a non-EU citizen
• you have somewhere to live: your name must be on the mailbox, or you must give your landlord’s name, in order to receive your card

Your yellow card may take up to a month to arrive from the date of registration. Once you receive it, you are eligible for all the healthcare services enjoyed by Danish citizens.

You can also use your EHIC card, if you are a EU citizen, but you will need to sign up for health insurance in addition to this, as your EHIC is only supposed to be a temporary measure.

You may also be covered for some maternity care: Denmark covers ¾ of the cost of childcare.

If you are planning on visiting Greenland, which is an autonomous Danish territory, there is no private health insurance available but all treatment is free. Greenland took over healthcare from the Danish government in the early 1990s and it is more or less all publically funded, with the exception of some dental treatment and other outlying treatments, such as for drug addiction.

In the Faroe Islands, also a Danish territory, there is national health insurance and all treatment, with the exception of some elements like dentistry, is free. If you are working there, you are likely to have to pay into the national insurance scheme and it is deducted at source.

The national insurance scheme covers:

• visits to your doctor
• hospital stays
• part of your medication
• some more alternative or complementary therapies
• some physiotherapy
• some psychiatric care
• some chiropractic care

Other procedures or treatments may require private health insurance.

Your children will be treated for free if they are under 15.


Open A Bank Account


The banking system in Denmark is quite user-friendly and opening an account goes quickly when you have a CPR number. Once the CPR number is acquired, people can choose between a Dankort and Nem Konto. Sometimes it is even possible to open an account without the CPR, but it takes time and excludes many services. Danske Bank and Nordea have a reputation for being helpful in those cases, but as banking has become less personal in recent years it can be difficult.

Opening the account is generally the biggest hurdle. Once it’s opened, users can transfer money from their home account immediately. It is important to know that those who have a job sometimes must wait weeks or even months before the first paycheck is put into their account.

Those who have a residence permit, but not a work permit, have to prove that they are financially capable of supporting themselves. Once they put money in a Danish bank, it helps appease the government that they are self sufficient. After opening the bank account, users can acquire a banking cash card, enabling them to withdraw their funds from cash machines all over the country. It is generally free to withdraw money from a cash machine of your own bank. Using another bank’s cash machines will usually lead to some fees. Banks usually charge for everything that is related to customer service, including meeting with a customer service person.

It is also possible to find a bank that has internet banking in Denmark, offering services in English or other languages. Some banks also offer meetings with English-speaking account managers, which is important in case of loans, contracts and insurance. It’s also helpful in getting the documents in a native language as well. You can compare fees and services at www.mybanker.dk.

Dankort

In Denmark, the Dankort is the major banking debit card. Those who want to apply for a Dankort should know the following things:

- it can take several months
- a copy of some previous paychecks is required
- a healthy bank balance is required.

Before issuing a card, a bank may require any of the above. It can still take several weeks to get a card. It is advisable to discuss the conditions for acquiring a Dankort before opening the account. It is also important to know that Dankort is the "national currency". This debit card can be used anywhere in Denmark and it’s generally more widely used than credit cards or cash in this country.

Nem Konto

After setting up the bank account, it is wise to ask to have a Nem Konto set up at the same time. This is the account that is linked to user’s personal bank account and also linked to user’s CPR number. Every resident in Denmark is required to have a Nem Konto. All the necessary information about this account can be found at nemkonto.dk, which has the information in Danish, English and German.

NemID

The bank will sign the client up for NemID, which is a digital signature that allows them to access both public and private internet services such as online banking, data and tax information. The client will receive two different parts in order to login. The first step is to create your own username and password. This is usually client’s CPR number and an individually chosen password. The second step is to type in the code from the code card that has 148 keys on it. As this system can be used on any computer, it is important to use it safely and always log off to prevent fraud.

Banking Hours

In Denmark, banking hours are similar to general working hours, so people rarely have time to actually enter the bank if they work normal hours. In general, banks are only open Monday to Friday. Hours are 10 am to 4 pm, except on Thursdays when most banks are open to 5 pm or 5:30 pm. These hours may be a little different especially in Copenhagen. This is one reason why internet banking is so popular. Phone banking hours can vary greatly, but they usually open at 8am for business. Many banks also answer questions via email. Banks are not open on weekends, but there are phone services for stolen cards.

Currency

The Kingdom of Denmark is part of the European Union, but it has not converted the national currency to the Euro. The official currency of Denmark is the Danish Krone or Crown, abbreviated as DKK. The krone is divided into 100 øre.

Notes: 50, 100, 200, 500 and 1,000 DKK
Coins: 50 øre and 1, 2, 5, 10 and 20 DKK

Taxes in Denmark

Expats who are tax residents of Denmark are generally taxed on their worldwide income, and they qualify for tax residency by being resident in Denmark. Expats who are not Danish residents but who live in Denmark for six consecutive months can also qualify for Danish tax residency. The tax system in Denmark is automatic, which means that tax is deducted from an expat’s salary before they are paid. Expats must register with the Central Tax Administration (SKAT) before they receive the first paycheck. Expats also receive a tax card that is sent directly to their employer, which ensures that they are taxed correctly.


Transfer Money


There are many ways of sending money from one country to another. As always, expats can save themselves a lot of trouble and expense if they do a little research and shop around for the best deal.

International Bank Transfers

For most expats, currency transfer involves transferring small to medium sized amounts regularly from an existing bank account back home into a new overseas bank account in the local currency. These may be pension payments, benefits, or any other form of income.

Your home bank will usually be glad to oblige. You can set up facilities with them "on demand" whereby you fax or call them on the phone, provide a secret code or two, tell them the amount in question, and they will transfer it to your new bank, automatically converting it into the relevant local currency. Some banks also allow you to make international payments online. Whatever method you choose, transfers normally take between 3-7 days although 1-2 day transfers are often available but be prepared to pay more for these.

You can also set up regular transactions that are processed automatically on a fixed day of each month. Many state pensions and benefits can be paid directly into your new bank abroad without going through your home bank at all. Some private pension organisations may also offer the same facility.

When you first set up a transfer of funds abroad, the sending bank or institution will ask you for various codes that identify the destination bank. Often they will ask for IBAN (International Bank Account Number), BIC (Bank Identifier Code) or SWIFT codes but don?t panic - your new bank will give these to you and they may even already be listed in your new chequebook or bank statements.

As far as charges are concerned, you will probably be required to pay a flat fee per transaction. Additionally a percentage fee is often charged for the currency conversion itself. You may also find that your receiving bank charges you for receiving the transfer. Charges vary by bank but can quickly add up - ask your bank(s) for an indication of the fees involved.

As a general rule, transferring larger sums less frequently usually works out cheaper than transferring smaller amounts more often. However, if you need to transfer regular amounts of at least a few hundred pounds/dollars or need to make a larger one-off payment (e.g. for a house purchase) you should consider the services of a currency broker.

Cash Machine/ATM Withdrawals

Thanks to modern technology, most people abroad can go to a cash machine/ATM and withdraw local currency funds directly from their home bank account. This is a useful option to have for expats but exercise caution - many banks make hefty charges for using this type of facility. You may also find that withdrawal limits are in place (as a security measure) even if you significant funds in your account back home.

You can also use VISA or Mastercard credit cards to obtain cash in this fashion and if you pay the amount off quickly and avoid interest charges then fine - but once again credit card charges for cash withdrawals can be high. Check the rates carefully.

Currency Brokers

Currency brokers (also called foreign exchange brokers) offer significant advantages over traditional banks. Firstly, brokers will often be able to offer you a better rate than your bank. Secondly, the entire process is more transparent - many banks require you to accept the exchange rate available on the day they process your transaction, whatever and whenever that may be, but a specialist broker will offer greater flexibility, even allowing you to specify the rate you want in advance.

Currency brokers are smaller companies than major banks so always check their background carefully. Ask existing expats for their own experiences and recommendations before choosing a firm to handle your own foreign exchange requirements.

A good broker will discuss all the options with you and enable you to make the best decision for your circumstances. Using a broker will typically off the following advantages:

1) Currency brokers generally provide superior exchange rates to the high street banks. The currency brokers have access to the interbank rate and do not have the high costs that the banks have. This means that they can usually offer better exchange rates.

2) Use of a free Market Watch/Order Service: This allows you to tell your currency broker your target or budget exchange rate and they will ring you if that exchange rate level is reached. As the rate moves every few seconds, currency brokers can act as your eyes and ears on the market.

3) Ability to fix the exchange rate in advance using a Forward Contract. If you know you need to convert/move funds in the future but don?t yet have the money you can reserve a rate in advance using a Forward Contract. During this period, you are exposed to exchange rate movements and therefore, a forward contract is ideal if, for example, you have agreed to buy a house and want to fix the rate now but will not be making payment for a couple of months.

Savings from currency brokers can vary from between 1 and 4 per cent on the exchange rate alone, and specialists do not typically charge any fees for transmitting the funds abroad, unlike banks which often levy expensive fees or charges. If you are emigrating and transferring a large sum of money - such as the proceeds of a property - a foreign exchange company could potentially save you thousands.

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Learn The Language


The Kingdom of Denmark recognizes only one official language: Danish. It is the national language of the Danish people, but there are also several minority languages in everyday use in the country. These include German, Faroese, and Greenlandic. A large majority of Danes, around 86%, also speak English as a second language.

As the English language is mandatory for all Danish students, they start learning it from the first grade in Folkeskole. In the fifth grade of Folkeskole, a third foreign language option is offered to everyone, which is German or French in most cases. The majority of students choose to study German. Around 47% of Danes report they are able to speak conversational German. The third most widely understood language is Swedish, with 13% of Danes reporting that they are able to speak it.

German

German is an official minority language in the former South Jutland County, the part that is now known as the Region of Southern Denmark, which was part of Imperial Germany before the Treaty of Versailles was signed. There are between 15000 and 20000 ethnic Germans living in South Jutland today, of whom almost 8000 use either the Standard German or the Schleswigsch variety of Low Saxon in day-to-day communication.

Schleswigisch is very different from Standard German and can be quite difficult to understand by speakers of Standard German. Outside the area of South Jutland, the members of St. Peter’s Church in Copenhagen use German in their church and school. The German minority has its own system of primary education, having German as the primary language of instruction. This also includes the system of libraries across South Jutland. There is even a German high school, located in Aabenraa. Apart from this area, there are also 28,584 immigrants from Germany in Denmark, according to 2012 census.

Faroese

Faroese is a North Germanic language like Danish, and it is the primary language of the Faroe Islands, which is the self-governing territory of the Kingdom of Denmark. This language is also spoken by some Faroese immigrants to mainland Denmark. Phonetically, Faroese can be seen as similar to Icelandic, and the Old Norse language which was spoken in the Scandinavian area more than a thousand years ago.

Greenlandic

Greenlandic is the main language of the 54,000 Inuit who live in Greenland. Greenland, like the Faroe Islands, is a self-governing territory of Denmark. When it comes to Greenlandic in Denmark, roughly 7,000 people speak this language on the Danish mainland.

Language Stats

When it comes to numbers, the following list shows how many people in Denmark speak each language as a native or learned language:

01. Danish – 98,39%
02. English – 52,95%
03. German – 30,5%
04. Swedish – 6,75%
05. French – 6,37%
06. Spanish – 3,29%
07. Italian – 0,87%
08. Arabic – 0,64%
09. Dutch – 0,52%
10. Turkish – 0,4%

The Danish language is a northern Germanic language which has an alphabet consisting of 29 letters. It uses the basic 26-letter Latin alphabet plus the three additional letters Æ, Ø, Å. Danish is also known as Dansk. This language is also used by almost 50,000 Danes who live in the northern region of Germany, where it has the status of a minority language. One of the most difficult words to pronounce in Danish is "speciallægepraksisplanlægningsstabiliseringsperiode", which means "Period of plan stabilising for a specialist doctor’s practice."

Starting Danish lessons

Danish is taught at several universities around the world. There are also both private and public organizations that offer lessons in Danish at various levels. When trying to learn Danish in Denmark, there are many types of courses which are available, and some of these are even free for those who have a CPR number or a work contract.

In recent years there has been a growing influx of English words into the Danish language. This is very helpful for English speaking people in Denmark. They can easily recognize various words in newspapers or in everyday language, such as computer, cyberspace and teknologi. Numerous words of Latin and Greek origin can be found in Danish texts, such as relevans, hospital, demokrati, and so on. Danish grammar is quite simple and it is similar to English grammar.

Pronunciation

Foreigners typically find pronunciation the hardest part of learning Danish. There are three main reasons for this:

- the language has many vowels
- the Danish glottal stop
- the huge difference between the spoken and the written language.

Those who wish to learn Danish should be aware that the difference between the written and the spoken language can be quite frustrating at first. Many words are not pronounced in the same way as they are written and numerous endings are not pronounced at all. If the purpose of learning Danish is everyday oral communication in Denmark, it’s best to choose language course that focus on speaking. Attending supplementary conversation courses is always a helpful choice.

However, it is possible to move to Denmark without speaking Danish. This is mostly because the Danes speak several languages and are usually happy to use them. Almost everyone in Denmark speaks English, many speak German and one out of ten people is able to speak some French. There are also those who speak Spanish or Italian as well.

There are numerous courses in Danish language and culture at different difficulty levels during the whole year. It is always possible to find one that matches your specific level and needs. In the summer, intensive language courses are offered as well. Depending on needs, interest, qualifications and time, these are the available options for those who wish to learn the language:

- Municipal education and language courses
- Private language schools and courses
- People’s college language courses
- University language courses and other courses offered by higher education institutions

Municipal language schools

Many municipal language schools in this country offer free Danish courses for foreigners. The Danish “kommuner” are obliged to offer courses in Danish language and culture for all foreigners. The Ministry of Education decides the level and the difficulty of the courses and tests and it empowers every language school to offer particular courses. Municipal language schools have offers that vary from basic courses for those with a limited schooling to courses for people with higher education. Most of the courses take 18 hours a week. There are some schools that offer more intensive courses and some that match the individual needs of the participants.

Language at VUC

The municipal adult education centers are institutions that offer courses in all public subjects to adults at the "folkeskole" and "gymnasium" level. Adult education centers, also known as VUC, offer courses to all Danes and Danish speaking foreigners.

Private language schools

If expats opt for private language education, they should know that there are private schools and private tutoring options available. Those who need more intensive and individually tailored lessons should contact one of the municipal language centers to find out more about opportunities that might match the desired level. In Copenhagen and its suburbs, just like in other bigger cities, a huge amount of private language courses are offered. To find out more about these, it’s best to contact your koommune or look at the yellow pages under the language section, “sprogundervisning”.

University

Most universities offer language classes to foreign students and visitors. Numerous universities offer crash courses in Danish language and culture at the beginning of the school year, during the semester or even as the part of the arrangement at summer schools. It is best to contact the specific university’s international office to find out more about the selection of courses, admission requirements and potential fees.


Choose A School


Education in Denmark is compulsory for children below the age of 16. It is important to know that attending Folkeskole is not compulsory. Folkeskole is the public school for children below the age of 16. About 82% of students choose to take further education after finishing this school. Government-funded education is mostly free of charge and open to all students. Denmark has a long tradition of private schools, so around 15.6% of children at basic school level go to private schools. These schools are supported by a voucher system. Based on the data from 2006, the Education Index which was published with the UN’s Human Development Index is 0.993 in Denmark. That puts this country amongst the highest in the world, tied for first with Finland, New Zealand and Australia. Literacy in Denmark is approximately 99% for both sexes.

Education can be seen as a key priority in Denmark. The Danish public schooling and education system is financed by taxes, so it is free of charge. There are also many private schools, including international schools with partial parental payment.

Primary and lower secondary education (age 6 to 16)

Primary and lower secondary education in Denmark is generally free of charge. Five out of every six children go to a public school, or folkeskole, and one in six chooses a private school. There are more than 24 international schools in the country, which are primarily chosen by foreign parents, and people who live in Denmark for a shorter period of time. Primary and lower secondary education is the responsibility of the municipalities. Those who have already chosen a place to live should contact the municipality find out information about the appropriate school for their children.

Upper secondary education (age 16 to 19)

In this country the upper secondary education is also free of charge and offers two types of programmes:

General education – this enables the students to qualify for access to higher education.
Vocational education –technical education that enables the students to qualify primarily for access to the labor market.

There are numerous study programmes that are offered in English or some other foreign languages. Denmark has 15 international upper secondary schools, which generally offer the International Baccalaureate, IB.

Higher education

Danish universities and other institutions of higher education have a wide range of study programmes to choose from. In this country, about 40 % of all students complete a higher education study programme. More than 50 different educational institutions offer study programmes of varying durations and levels. Higher education is mostly free of charge for Danish residents. If certain conditions are met, students can also receive study grants and loans to finance their living costs during the studies.

Childcare

Very young children in Denmark always have the option of enrolling in various child care centers. There is a huge variety of child care options for children below the age of 6. Each municipality has different overall goals and framework of child care options.

Day care is an option where a group of children between the ages of 6 months and 2-3 years are taken care of by a childminder at their own home. There can be up to 4 children apart from the child minder’s own. If two childminders decide to work together, they can take care of up to 10 children.

Day nursery is another childcare option for children between 6 months and 2-3 years. The number of children may differ, but the average number is 4 children per one childcare employee. Most nurseries are equipped with toys for each age group. Nurseries usually include outdoor spaces such as playgrounds with swings, sandpits, and so on. In these institutions children are usually taken on excursions as well.

Kindergarten in Denmark is for children between the age of 3 and 7. Institutions may vary in size, but the average number is 6 children per one kindergarten teacher. They also offer a wide variety of toys for the children, and have an outdoor area with a playground as well. Sometimes they even offer bicycles and carts.

Some municipal authorities award a grant to parents so their children can be put in private day care centers.

The price of childcare is determined by the municipal board individually. It’s good to know that, according to state law, parents must not be charged more than 25 to 28% of the cost of the child’s care in the institution. There are also some institutions that offer meals, and others that don’t, so this can affect the cost as well.

Young children are known for their quick adaptability and fast language-learning. Bilingual kids also have an advantage in school, on standardized tests, in college admissions and their careers in general. "Berlitz Kids + Teens" is the main institution in Denmark that tries to make children learn a language while having fun. All language instructors on the Berlitz Kids + Teens programs are native speakers. They all have experience working with children as well.

Danish schooling

The Kingdom of Denmark has a policy of nine years’ compulsory education. Children start with education from the age of seven. However, most of the children start in a pre-school class at the age of six. After spending nine years in primary and lower secondary school, the choice of what comes next is individual. Students decide on their own if they want to pursue higher education.

Primary and Lower Secondary School

In Denmark, all children are entitled to free tuition at municipal primary and lower secondary school. The free tuition includes a one-year pre-school class followed by nine years of further education and a tenth class which is optional.

Upper Secondary School

Following primary school, which is usually completed by the age of 16 or 17, the majority of Danish students continue with some form of upper secondary education. Upper secondary education consists of general and vocational programmes for students from 16 to 20 years old. Some study programmes are offered in foreign languages as well. This school provides an entry into higher education programmes.

International schooling

In this country students may find several International Schools, and schools which offer an English-language IB programme. For information on enrollment costs and supported age groups, students should consult the individual school websites or simply contact the school administration.

Private and Boarding schools

Denmark is known for its 200 year old tradition of private schools. The private schools have a higher degree of freedom relating to the way in which the schooling is organized, compared to public schools. There are six main boarding schools: Sorø Akademi, Herlufsholm Skole, Nyborg Gymnasium, Struer Gymnasium, Grenå Gymnasium, and Viborg Gymnasium.



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