Open a business account in Denmark
With a Danish DKK and EUR IBAN issued in your company name, you can collect, send and exchange local business payments.
- Set up a local NemKonto account and Registreringsnummer
- No Danish or EEA residency requirements
- Collect, send, and exchange payments in 190+ countries and 65+ currencies inc. DKK, EUR, SEK, GBP and PLN
Why use 3S Money?
Danish business banking is complicated
High fees and restrictive compliance make it difficult for non-residents to open local accounts. We want every business owner to embrace the economic opportunities Denmark has to offer.
A local Danish IBAN in your company name
You can enjoy the benefits of a local Danish bank account without the hassle. This means faster payments, reduced fees, and instant access to domestic markets.
All your business accounts in one online platform
With a 3S Money account, you can manage all your local and international accounts in one place. Through our easy-to-use Client Portal, you can pay, transfer and exchange funds whenever you need to.
Instant access to local services
Simplify local tax, salaries, and overhead payments. Use your Danish IBAN to register your NemKonto account and receive your Registreringsnummer.
Setting a new standard for international business payments
Finding the right financial services as a non-resident in Denmark can be challenging. Whatever your business needs, 3S Money has got you covered.
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Businesses accepted from 190+ countries
We bring local markets to global clients and believe in fair access to financial services. -
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No chatbots: we speak your language
Your dedicated Client Manager will support your business with local expertise and global experience. -
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Your global multi-currency account
Make high-value business payments in 190+ countries and 65+ currencies.
Standard International
Business Account
Bespoke International
Business Account
Suitable for:
Importers, exporters, manufacturers, professional service providers and e-commerce businesses
Suitable for:
Businesses with complex structures, holding companies, family offices, asset managers and investments funds
Maintenance fee
$100 per month
Bespoke
Minimum account balance needed
$300
Bespoke
Check your eligibility and learn which account is right for you. It only takes 3 minutes.
We keep our rates low
International transfer fees
A 0.3% charge applies to incoming, same-currency transactions from Zone 2. An additional charge of 1% of the value of the transaction applies to incoming and outgoing transactions to/from Zone 3 countries.
Incoming payments - free
An additional charge of 1% of the value of the transaction applies to incoming and outgoing transactions to/from Zone 3 countries.
Outgoing payments - $1
*Incoming payments from Zone 2 won’t incur additional charges unless they are payments in EUR, GBP and USD and you wish to deposit this money without converting to a local currency at a competitive rate.
*A 0.3% charge applies to incoming, same-currency transactions from Zone 2.
*An additional charge of 1% of the value of the transaction applies to incoming and outgoing transactions to/from Zone 3 countries, regardless of incoming volume p.a.
Instant account access through your online dashboard
With a 3S Money account, you can manage all your local and international IBAN accounts in one place. Through our easy-to-use client portal, you can pay, transfer and exchange funds whenever you need to.
Our competition? What competition
3S Money helps global businesses open online business accounts and simplify their international payments. Here's what makes us different.
Personal Client Manager
Under 20 minutes
Shareholders and directors from 190+ countries
Pay and receive money in 65+ currencies
100% online application
High-value payment specialists
Credit line
Applying for your account only takes 15 minutes. Get started, today.
We cater to businesses of all sizes and structures – starting with an application that learns about your business needs. Once pre-approved, our friendly Onboarding team will guide you through the rest of the process to opening your business account.
Your questions, answered
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3S Money is a bank challenger, rather than a traditional bank – we don’t have a banking licence. Instead, we’re an Electronic Money Institution that’s regulated by the Luxembourg Commission de Surveillance du Secteur Financier (CSSF), the UK’s Financial Conduct Authority (FCA), and Dubai’s Financial Services Authority (DFSA).
Read more about our safeguarding measures here. -
No proof of Danish or EEA residency is required to open a 3S Money account in Denmark. We accept shareholders and directors from 190+ countries, regardless of residency status.
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We apply a human approach to our onboarding and compliance procedures, getting to know our clients first-hand. By doing this, we can work with businesses in high-risk regions that traditional banks might otherwise decline.
However, we don’t work with the following industries:
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Crypto
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Adult
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Gambling
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Cannabis
You can check your eligibility before you apply. -
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As a global business, we use English as a first language for all written communications. However, with dedicated Client Managers across five global offices - we aim to provide local language support where possible. Contact our friendly Sales team for more information.
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Yes, you can use a 3S Money account to obtain a NemKonto. If you require a NemKonto, your dedicated Client Manager will be able to support you with the application process.
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A Registreringsnummer is the Danish equivalent of a BIC (Bank Identifier Code). Every 3S Money account comes with all the payment details you expect to receive with a local Danish bank account.
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Your account maintenance fee is calculated based on your account type and business needs. We use your fee to cover your dedicated Client Manager and our banking partners to help continually improve the speed and efficiency of our service.
If you have any other questions, please get in touch with our friendly team who will be able to help.