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Find Your Unclaimed Money in Denmark

Danish banks transfer dormant accounts to the Danish state (Statens Administration) after 20 years. Search every major Danish bank and insurer free.

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Unclaimed Money in Denmark

Denmark requires banks to transfer dormant accounts to Statens Administration (the Danish government's financial administration body) after 20 years of inactivity. Before this transfer, the funds sit with the individual bank. Denmark has no centralized search portal, but Finanstilsynet (the Danish Financial Supervisory Authority) maintains oversight and banks are required to attempt contact before any transfer.

Denmark's Garantifonden for indskydere og investorer (the Guarantee Fund) also holds some unclaimed funds from bank failures. If you have ever lived, worked, or banked in Denmark, it is worth checking both the banks and Statens Administration.

How to Search for Dormant Accounts in Denmark

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Danske Bank

Denmark's largest bank. Contact via danskebank.dk — submit a dormant account enquiry with full name, date of birth, and CPR number if available.

✓ Online enquiry accepted
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Nordea Denmark

Part of the Nordic group. Traces legacy accounts from Unibank, Bikuben-GiroBank, and others. Can search historical Danish accounts.

✓ Legacy accounts searchable
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Jyske Bank & Sydbank

Two large regional banks. Jyske Bank acquired BRFkredit; Sydbank has significant Jutland coverage. Worth checking if the account holder lived in Jutland or Funen.

✓ Regional banks covered
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Statens Administration

After 20 years, funds transfer here. Contact via statens-administration.dk to enquire about transferred dormant accounts in your name or a deceased relative's.

✓ Check after 20-year mark

CPR Number and Documentation

The Danish CPR number (Det Centrale Personregister) is a 10-digit identification number assigned to all Danish citizens and residents. Providing the CPR number greatly accelerates any dormant account search as all accounts are linked to it.

For estates, a skifteattest (certificate of succession) from Skifteretten (probate court) is required. Foreign claimants should also provide a certified copy of their passport and proof of their connection to Denmark.

What happens to dormant accounts in Denmark after 20 years?
After 20 years of inactivity, Danish banks are required to transfer funds to Statens Administration. The original account holder or heirs can still claim these funds from the state.
Is there a central Danish unclaimed money database?
Denmark does not have a single central search portal like France's Ciclade. You must contact individual banks and, if the account is over 20 years old, Statens Administration directly.
How long do I have to claim from Statens Administration?
Claims to Statens Administration are generally subject to the general Danish limitation period of 3 years from when the claimant became aware of the claim. It is advisable to claim as soon as possible.
What about Danish pension funds?
Occupational pensions in Denmark are managed by ATP, PFA, Danica, and others. You can get an overview of all Danish pension savings via PensionsInfo at pensionsinfo.dk — a free service linked to NemID/MitID.

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