Move to Denmark’s biggest municipality, Ringkøbing-Skjern

In Western Jutland you will find jobs and good housing

Bankkonto/Dankort

When you have an annual income in Denmark, your employer must transfer your wages to your bank account. You can use a foreign bank account, but often a fee covering a transfer of money abroad will be charged, so instead you can open an account in a Danish financial institution (bank or savings bank).

To become a customer in a Danish bank you need to produce proof of identity, i.e. a passport, a driving licence etc. You must also bring along proof of address in Denmark, e.g. a rental contract, the yellow health insurance card, or your Civil Registration Number. Some banks would also like employment verification from your Danish company.

When you have obtained one or several bank accounts, you must register one of the accounts as your “NemKonto” account. This is the account, which the authorities subsequently will use, if you are entitled to a tax refund or entitled to receive public benefits. For more information in English click NEMKONTO.

 

 

Credit Card, Netbank, and Direct Debit

For your Danish account you can normally have a credit card which can be used in the shops and other places where you need to pay. In Denmark most people use a Dankort for payment, also for small amounts at e.g. the baker’s, and most grocery stores are also used to and willing to let you have a cashback of for instance DKK100, so that it is possible for you to have some cash. When paying you will therefore often hear the cashier automatically ask you: “for the exact amount or over?”.

When you have NemID you can also have online bank access to your account, so you can do private banking electronically. Besides, you can have a direct debit arrangement, so that your bills will automatically be sent to and paid via your account.

MOBILEPAY, so you can send and receive money via your mobile phone, is also an option. The bank can give you further information about these and any other offers they might have.

The bank can also help you set up a budget and assist you in estimating what you can afford to buy if you e.g. want a house at some later point.

In Ringkøbing-Skjern Municipality there are several local financial institutions. Ask for instance your employer or colleagues about banking options.

 

Charlotte and Ian

 
Danish/English couple:

Wish of living the good life

”Above all, we just wanted to be together and live the good life. We love being together” says the Danish/English couple Charlotte and Ian Coles who have settled down in an idyllic old farm house at Kloster, halfway between the Ringkøbing Fjord and the Stadil Fjord and close to the town of Ringkøbing.

It is not surprising that the couple had a wish of the good life in peaceful surroundings with lots of nature. Ian was a Major in the British Army, which meant the couple had moved around military bases in England and Germany for years. Ian had also been deployed close to the world’s war zones, leaving Charlotte alone and suffering months of deprivation during their first year in Ringkøbing-Skjern Municipality.

They bought the old farmhouse overlooking the Stadil Fjord in 2013, and Charlotte moved in full-time, while Ian could only come home as work allowed. But now the good life has really started as Ian retired this summer.

Ian is 48 years old and he has just landed a job with Vestas - the wind turbine manufacturer – as a Project Training Leader. 

Charlotte and Ian - Read the full story here

Johanna and Malte

 
German family:

Good working conditions leaving room for a family life close to the North Sea

The North Sea. Proper wages – on time – and working conditions leaving room for a good family life with children. Those are the really big advantages pointed out by the German couple Malte and Johanna Mayrberger when moving from the city of Berlin to the seaport of Hvide Sande. Well yes – into the bargain is also the possibility of buying your own house and the fact that people are friendly and polite.

”We would never have been able to buy a house in Germany. You need to provide a down payment of half the price to obtain a loan for the remaining, and yet it is very difficult and sometimes impossible to qualify for a mortgage,” Malte explains, and Johanna adds:

”At any rate we would not have been able to afford having a child, a car, going on holidays, which we do every year, and have time for leisure activities.”

Malte and Johanna moved to Hvide Sande on the 1st November nine years ago and have settled in fine. 

Johanne and Malte - Read the full story here