Getting Danish Krone for Your Trip to Denmark

Despite being an EU member, Denmark has its own currency - the Danish Krone (DKK). Don't make the common mistake of arriving with Euros; while some tourist spots may accept them, you'll get poor rates. The good news is that Denmark, like its Scandinavian neighbours, is extremely card-friendly.

Copenhagen is consistently ranked among the world's most liveable cities, and its payment infrastructure reflects this. Cards are accepted everywhere from the famous Tivoli Gardens to the smallest smørrebrød stall. The Danish Krone is pegged to the Euro, which means exchange rates are very stable and predictable.

Your best strategy is simple: bring a fee-free debit card and use it for everything. You'll get the best rates, avoid carrying cash, and fit right in with how Danes prefer to pay.

Best Ways to Pay in Denmark

1. Fee-Free Debit Cards (Recommended)

Multi-currency cards like Wise and Revolut are perfect for Denmark. They use the real exchange rate, charge minimal fees, and are accepted everywhere. Since most transactions in Denmark are card-based, you'll use your card constantly.

2. Credit Cards

Visa and Mastercard are universally accepted. American Express works at larger establishments but isn't as widely taken. Note that Danish shops often add a small surcharge for credit card payments - this is legal in Denmark. Debit cards typically don't incur this surcharge.

3. Mobile Payments

Apple Pay and Google Pay work well in Denmark. Link your fee-free card for convenient contactless payments. MobilePay is Denmark's local payment app used by most Danes, but it requires a Danish bank account so tourists can't use it.

4. ATM Withdrawals

ATMs are available throughout Denmark if you need cash. Use bank ATMs from Danske Bank, Nordea, or Jyske Bank. Always decline currency conversion and withdraw in DKK to get your card's better exchange rate.

Using Cards in Denmark

Denmark is one of Europe's most card-friendly countries:

Where Cards Are Accepted

• All shops, supermarkets, and department stores
• Restaurants, cafes, and bars (including hygge spots)
• Public transport (DSB trains, Metro, buses)
• Tivoli Gardens and all tourist attractions
• Street food markets like Copenhagen Street Food
• Hotels and hostels
• Taxis and ride-sharing
• Even most Christmas markets

Card Payment Tips

• Choose DKK: Always pay in Danish Krone, never your home currency
• Watch for credit card surcharges: Some shops charge extra for credit cards (1-2%)
• Dankort note: Some older terminals may only show "Dankort" - your international card usually works, just insert and try
• Contactless widespread: Tap-to-pay works almost everywhere

Denmark vs Euro

A common question from visitors: why doesn't Denmark use the Euro?

Denmark joined the EU in 1973 but opted out of the Euro following a 2000 referendum. However, the Danish Krone is pegged to the Euro through the European Exchange Rate Mechanism (ERM II), meaning the rate fluctuates only within a narrow band around 7.46 DKK per Euro.

What This Means for Tourists

• Stable rates: DKK/EUR is very predictable - roughly 7.46 DKK = 1 EUR
• Don't bring Euros: You'll need Krone, not Euros, for your trip
• Tourist traps accept Euros: But at very unfavorable rates - always pay in DKK
• Greenland and Faroe Islands: Also use Danish Krone if you're island-hopping

ATMs in Denmark

If you need cash, ATMs are widely available:

Best ATMs

• Danske Bank: Denmark's largest bank with ATMs everywhere
• Nordea: Major Scandinavian bank with reliable ATMs
• Jyske Bank: Good coverage, especially outside Copenhagen
• 7-Eleven: Convenient locations but may charge fees

ATMs to Avoid

• Euronet: Often found in tourist areas with poor rates
• Any ATM offering "guaranteed" or "no fee" currency conversion

Tipping in Denmark

Tipping is not customary in Denmark - service is included in all prices, and staff earn living wages. However, small tips for exceptional service are appreciated:

• Restaurants: Not expected; rounding up or 5-10% for exceptional service
• Cafes: No tipping expected
• Taxis: Round up to nearest convenient amount
• Hotels: Not customary; kr 10-20 per bag for porters if you wish
• Bars: Keep the change or round up slightly