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.

 

Ioana and Sorin

 
Romanian Family:

We have been made very welcome

”We love our country, Romania, but we have also grown very fond of Denmark which has become our home,” says 37-year-old Sorin Ungureanu who - together with his wife Ioana and their two children - find themselves so much at home that in the autumn of 2017 they bought the house of their dreams in Borris. Borris is a town with approximately 800 inhabitants in Ringkøbing-Skjern Municipality – geographically the biggest municipality in Denmark.

“We have been living here since 2011 and our children are fully integrated in the local community and gradually, so are we. We have been made to feel really welcome in this town. People gladly help us and we are very happy about living here,” Sorin says whilst simultaneously smiling at Erling Søndergaard - one of the passionate locals who likes to give a lending hand. Erling has helped the family with the purchase of their house, and as a friend of the family he joins our conversation as to why Sorin and Ioana came to Denmark and what it is like for a foreign family to move to Ringkøbing-Skjern Municipality.

”We are also happy having you here. We can tell that you like being here, and you have also done a great deal to become a part of the community,” Erling points out referring to the fact that Sorin among others has been active in leading a father-child gymnastics team and a table tennis team in town.

Ioana und Sorin - 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