Best business accounts for Freelancers and Sole Traders in Denmark
Snapshot
Freelancers and sole traders in Denmark, trading as an enkeltmandsvirksomhed, are well served by low cost online accounts. Lunar Business accepts sole proprietorships and gives a local Danish account with MobilePay, while Revolut Business and Wise Business suit those with clients abroad. A separate business account is not always legally required for a sole trader, but it keeps records clean.
Suits Freelancers and Sole Traders best
Depends on needs. Lunar Business suits a local Danish sole trader, while Revolut Business and Wise Business suit freelancers with overseas clients.
Typical monthly fee
DKK 0 to about DKK 300 a month depending on provider and plan, as of 19 January 2026.
Non resident position
Possible with full checks. A sole proprietorship usually needs Danish residence and a CPR number. Neobanks may accept EEA registered companies. Unclear cases, verify with the provider.
Providers that fit
Several. At least three providers fit this profile in Denmark.
Fees and features as of 19 January 2026Last reviewed 19 January 2026
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Freelancers and sole traders in Denmark usually want a low cost account that separates business money from personal money, with simple invoicing, a card for expenses, MobilePay for Danish customers, and clean records for VAT and the annual tax return. Lunar Business accepts a sole proprietorship and gives a local Danish account, Revolut Business has a free tier, and Wise Business helps with cross border work. Fees and features below are shown as of 19 January 2026, so confirm current terms with the provider.
What Freelancers and Sole Traders in Denmark need from a business account
A sole trader runs the business in their own name, so there is no legal split between personal and business money, but a separate account makes bookkeeping, VAT and the tax return far cleaner. The features that matter most are low cost, simple invoicing and expense tracking, a card, MobilePay for Danish customers, and accounting exports. Multi currency support helps freelancers with clients abroad. Cash handling is rarely needed.
L
Lunar Business
Danish neobank with a local account, a NemKonto and Danish payments including MobilePay. Limited multi currency.
Compare accounts for Freelancers and Sole Traders in Denmark
These providers accept Freelancers and Sole Traders in Denmark. Fees and eligibility shown as of 19 January 2026. Confirm current terms with the provider before applying.
Questions about banking for Freelancers and Sole Traders in Denmark
Do sole traders in Denmark need a business account?
For an enkeltmandsvirksomhed a separate business account is not always legally required, since the business and the owner are the same legal person. A separate account still keeps business and personal money apart and makes VAT and the tax return cleaner. Confirm what applies to you with the provider and your accountant. This is general information, not advice.
Can a freelancer open these accounts as a sole proprietorship?
Lunar Business states that it accepts sole proprietorships along with small businesses and registered companies. Revolut Business and Wise Business also serve sole traders in many cases. Eligibility depends on your registration and documentation, so verify acceptance with the provider before applying.
Which account is cheapest for a freelancer?
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 against your usage and verify current pricing with the provider.
Does the account work with MobilePay?
Lunar Business gives a local Danish account that works with MobilePay, which many Danish customers use. Wise Business is not a NemKonto and is limited for local Danish services. Confirm MobilePay support with the provider, since policies change.
Fees, features, and eligibility change and vary by region. This page was last reviewed on 19 January 2026. Confirm current terms with the provider before applying.