Consultants in Denmark are well served by online business accounts. Lunar Business gives a local Danish account with a NemKonto and MobilePay, while Revolut Business and Wise Business suit consultants with overseas clients. Danske Bank and other traditional banks suit consultants who want branch support or lending.
Suits Consultants best
Depends on needs. Lunar Business suits a local Danish consultancy, while Revolut Business and Wise Business suit consultants invoicing clients abroad.
Typical monthly fee
DKK 0 to about DKK 440 a month depending on provider and plan, as of 15 May 2026.
Non resident position
Possible with full checks. Danish banks ask for heavy documentation and often Danish residence. Neobanks may accept EEA registered companies. Unclear cases, verify with the provider.
Providers that fit
Several. At least four providers fit this profile in Denmark.
Fees and features as of 15 May 2026Last reviewed 15 May 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Independent consultants and small consultancies in Denmark usually want a low cost business account that keeps business money separate from personal money, with clean records for invoicing and Danish VAT, a card for expenses, and multi currency support when clients are abroad. Lunar Business gives a local Danish account with MobilePay, Revolut Business and Wise Business help with cross border work, and Danske Bank suits those who want branch support. Fees and features below are shown as of 15 May 2026, so confirm current terms with the provider.
What Consultants in Denmark need from a business account
Consultants often run lean, bill by the hour or by retainer, and may work with clients in other countries. The features that matter most are simple invoicing and expense tracking, accounting exports for the bookkeeper, a card for travel and software, and a NemKonto for Danish payments. Multi currency accounts help where clients pay in euro or dollars. Cash handling is rarely needed, so online providers fit many consultants.
L
Lunar Business
Danish neobank with a local account, a NemKonto and Danish payments including MobilePay. Limited multi currency.
Questions about banking for Consultants in Denmark
Do I need a business account as a consultant in Denmark?
If you trade as a sole proprietorship, a separate business account is not always legally required, but it keeps business and personal money apart and makes VAT and bookkeeping cleaner. A registered company such as an ApS needs its own account. Confirm what applies to your structure with the provider and your accountant. This is general information, not advice.
Which account is cheapest for a solo consultant?
Costs vary by provider and plan. Revolut Business has a free Basic tier, Wise Business has no monthly fee but a one time setup fee, and Lunar Business charges a monthly fee from about DKK 289 for a local Danish account. Compare the included transfers and card limits against your usage and verify current pricing with the provider.
Can I invoice foreign clients from these accounts?
Yes. Wise Business and Revolut Business let you hold and convert several currencies, which suits consultants with clients in the euro area or beyond. Conversion costs and allowances vary by plan. Verify the current foreign exchange terms with the provider before applying.
Does the account give a NemKonto for Danish payments?
Lunar Business and Danske Bank give a local Danish account that can act as a NemKonto and work with MobilePay. Wise Business is not a NemKonto. Confirm local payment support with the provider, since policies change.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 15 May 2026. Confirm current terms with the provider before applying.