A Right to a Basic Account for Anyone Lawfully Resident in the Union, and Also for People With No Permit Who Cannot Be Removed
Answer
The general rule applies to you
No exception is recorded for citizens of The Bahamas on this topic. That is the answer, not a gap - everything below is the rule you get, unchanged.
147 exceptions recorded across 54 countries · none match The Bahamas to Denmark · Opening a bank account
Danish banks must offer a consumer a basic payment account in kroner unless opening it would breach the money-laundering Act. The right runs to consumers lawfully resident in a Union country or a country the Union has a financial-services agreement with - and, unusually, to consumers who have not been granted a residence permit but cannot be removed. The bank has ten working days from a complete application to open the account or refuse, must give written reasons for a refusal and must point the applicant at the financial complaints board and the supervisory authority. The services must be free or carry only a reasonable fee, and the Act does not cap what reasonable means. The identification a bank has to take is name and CPR number, or a date of birth where the customer has no CPR number.
At a glance
- Right to a basic account
- Banks must offer one, in kroner
Section 11(1) of the Payment Accounts Act, unless opening it would breach the money-laundering Act.
- Who holds the right
- Consumers lawfully resident in the Union, and people with no permit who cannot be removed
Section 11(2) of the Payment Accounts Act, which extends to countries the Union has an agreement with in the financial field.
- Time to decide
- 10 working days from a complete application
Section 11(4) of the Payment Accounts Act, with written reasons required for a refusal.
- Cost
- Free or a reasonable fee, with no ceiling in the Act
Section 12(1) and 12(2) of the Payment Accounts Act.
- Identification the bank must take
- Name and CPR number, or a date of birth if you have none
Section 11(1)(1)(a) of the money-laundering Act.
- Tying
- The bank may not make the account conditional on buying anything else
Section 11(5) of the Payment Accounts Act, except for shares or guarantee certificates that are a condition of being a customer at all.
Requirements
- Lawful residence in a Union country or a country the Union has a financial-services agreement with, or being someone without a permit who cannot be removed
- Identification: name and CPR number, or a date of birth if you have none
- Verification of that identity against a reliable and independent source
Country-level policy
Danish law repeatedly stops at the population register rather than at nationality or at a permit. The Health Act gives the right to its services to people with a bopæl here and then defines bopæl as registration with the Folkeregister, in four words. The money-laundering Act tells a bank to take a customer's name and CPR number, and a CPR number is what the register issues; where the customer has none, the bank takes a date of birth instead, which is the Act's own acknowledgement that not everyone has one. A permit is what lets you register, and the registration is what turns the permit into services.
What applies to you
Nothing changes for a citizen of The Bahamas
We have no rule recorded that treats your citizenship differently here, so the general rule above is the one that applies to you. That is an answer, not a gap.
What the law says
«Pengeinstitutter skal tilbyde en forbruger en basal betalingskonto, jf. § 9, i danske kroner, medmindre åbning af en sådan konto vil føre til en overtrædelse af lov om forebyggende foranstaltninger mod hvidvask af udbytte og finansiering af terrorisme.»About this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
«Stk. 1 finder anvendelse på forbrugere med lovligt ophold i et land inden for Den Europæiske Union eller et land, som Unionen har indgået aftale med på det finansielle område, og forbrugere, som ikke har fået opholdstilladelse, men som ikke kan udsendes.»The limb about people who cannot be removed has no counterpart in the records read for other member states here.
Read it at the sourceAbout this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
«Pengeinstitutter skal hurtigst muligt og senest 10 arbejdsdage efter modtagelsen af en fuldstændig ansøgning om en basal betalingskonto åbne en sådan konto eller give afslag herpå.»About this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
«Et pengeinstitut skal tilbyde de tjenesteydelser, der er nævnt i § 9, vederlagsfrit eller mod betaling af et rimeligt gebyr.»About this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
«En basal betalingskonto skal omfatte følgende tjenesteydelser, som en forbruger skal kunne gøre brug af i ubegrænset omfang, jf. dog stk. 2:»About this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
«Er kunden en fysisk person, skal identitetsoplysninger omfatte navn og cpr-nummer el.lign., hvis den pågældende ikke har et cpr-nummer. Har den pågældende ikke et cpr-nummer el.lign., skal identitetsoplysninger omfatte fødselsdato.»Why the CPR number is the thing that opens a Danish bank account.
Read it at the sourceAbout this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
«Virksomheden eller personen skal kontrollere kundens identitetsoplysninger på grundlag af dokumenter, data eller oplysninger indhentet fra en pålidelig og uafhængig kilde.»About this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
Practical notes
A CPR number comes from registration in the population register, which is also what the health record here turns on. The CPR Act itself was not read.
What counts as a reasonable fee is not defined in the Act, and no decision of the supervisory authority or the complaints board on it was read.
Whether a particular bank will open an account on a particular document is a fact about that bank. Nothing of any bank's was read for this record.
- consolidatesLov om betalingskonti og basale erhvervskonti, lovbekendtgørelse nr. 1462 af 18. november 2025
Retsinformation, Civilstyrelsen · consolidated to 2025-11-18
About this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source
- consolidatesHvidvaskloven, lovbekendtgørelse nr. 433 af 17. april 2026
Retsinformation, Civilstyrelsen · consolidated to 2026-04-17
About this source
The Danish state's common legal information system, run by Civilstyrelsen under the Ministry of Justice. It serves every Act, consolidated Act, ministerial regulation, circular and guidance document at a stable ELI address of the form https://www.retsinformation.dk/{pubMedia}/{year}/{number}, where pubMedia is lta for Lovtidende A, retsinfo for documents published on the service itself and mt for Ministerialtidende. Each document is offered in three representations off that address: the bare address, which is a JavaScript shell; /pdf, which is the publisher's own typeset PDF with a real text layer; and /dan/xml, which is the LexDania source. A consolidated Act prints on its first page the consolidation it supersedes, every amending Act folded into it, and a paragraph-by-paragraph list of the amendments it does NOT incorporate because the minister has not yet set their commencement date. The XML carries a metadata block with the accession number, the signature date, a Status field reading Valid or Historic, and a Change block naming each amending instrument.
Standing: Maintains the text in force
Cannot be cited for: The address itself serves a 4.8 KB React shell and no text; a reading taken from it is page furniture, not the law. The XML representation of older documents can be metadata only: Danmarks Riges Grundlov, the Constitution that Danish naturalisation rests on, has a record with a title and a status and no text at all, and its /pdf address answers 404. The free-text parameter of the public search API is ignored, so the service can be filtered by document type and ministry but not searched by word from outside the browser. A document marked Historic may still be operative: the 2014 regulation listing the countries whose driving licences exchange without a test is marked Historic because the 2016 regulation repealed it, and the 2016 regulation's own transitional provision keeps its list in force. The StartDate and EndDate fields in the XML are record-keeping dates and are not the validity period of the instrument - they must not be read as a commencement or a repeal. The service publishes what has been enacted and nothing about how an agency applies it: the Positive List, the unemployment level that opens one of the salary routes, the driving-licence exchange list and the annually adjusted amounts are all published elsewhere by the administering body.
We re-read it every 45 days. More about this source